Harbor Palms
Homes for Sale in Oldsmar, FL
All 172 homes for sale in Oldsmar, FL · median $329,450 · 150 homes for sale in 34677 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $380,000, $264 per square foot, a median 114 days on market, sellers accepting 91% of original asking. At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,370 ($6,550 with the full homestead exemption).
Part of Harbor Palms Unit Eleven, Oldsmar, FL — see all Harbor Palms Unit Eleven homes for sale (10 listings across 9 sections in the MLS).
| Location | Oldsmar, Pinellas County, FL · ZIP 34677 |
|---|---|
| Homes in the community | 88 (FL DOR 2025 assessment roll) |
| Years built | 1973–2013 (median 1974.0) |
| Typical living area | 1,601 sq ft (median) |
| Sale prices, last 12 months | $380,000 median across 3 closed sales · $264 per sq ft |
| Days on market (closed sales) | 114 median |
| Owner-occupied (homestead) share | 76% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2025; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Palms-Unit Six key facts,” movewithmomentum.com/neighborhoods/harbor-palms-unit-six, data as of September 20, 2026.
Price here is driven by condition and updates, not location premiums. With a median build year of 1974 and a stock that runs into the early 2010s, the spread between an updated home and one that still wears its original systems is wide. The median sits at $345,000, but that number hides a lot: at roughly $228 per square foot on a median home just under 1,800 square feet, you are paying for space and bones, and the finish level determines where an individual property lands.
The market posture is patient. A median of 72 days on market tells you buyers are taking their time and are not chasing. For sellers, that means condition and pricing discipline matter more than urgency; a home that shows well and is priced to the median will move, one that is dated and priced as if it were updated will sit. For buyers, the pace is on your side — there is room to inspect, negotiate, and walk if the numbers do not work.
Nearby homes for sale
No active listings inside Harbor Palms-Unit Six right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Harbor Palms market snapshot (as of September 20, 2026): the median sale price is about $380K ($264 per sq ft over the trailing 12 months of closed sales), and a median 114 days on market for closed sales.
In ZIP 34677 (Oldsmar), 439 homes closed in the last 12 months at a median of $365K ($239/sq ft), down 4.5% year over year, with a median 61 days on market. Right now 90 active and 20 pending listings put supply at about 4.7 months — a buyer's market. See the live ZIP 34677 housing market and the Pinellas County market.
County records show 10 qualified sales in Harbor Palms across 2024–2025 (6 in 2024, 4 in 2025), median $380,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Harbor Palms is a community of 88 homes in Oldsmar, Pinellas County, built between 1973 and 2013 (median 1974.0), with a median living area of about 1,601 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Harbor Palms-Unit Six is a small, established Oldsmar community of 138 homes in Pinellas County, built mostly in the 1970s with a scattering of newer construction through 2013. This is an owner-occupied enclave — roughly 80% of homes carry a homestead exemption — with a slow, deliberate resale pace.
Who Harbor Palms is best for.
Best for
- Buyers with a renovation budget who want to buy on condition and add value themselves
- Long-hold owner-occupants who value a low-turnover, established street
- Patient buyers comfortable waiting for the right listing in a thin inventory
Probably not for
- Buyers who need to close quickly in a fast-moving market
- Anyone wanting fully modern construction with no near-term system replacements
- Investors chasing quick flips who need frequent inventory and rapid turnover
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($380K) IS the median in the snapshot above.
Windows contain 0 to 5 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2025. Deemed reliable but not guaranteed.
19% of homes for sale in ZIP 34677 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-20).
Housing distress & ownership in Harbor Palms-Unit Six, Oldsmar
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
The Harbor Palms buying strategy.
If we were buying in Harbor Palms today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Harbor Palms.
An established stock with a condition-driven spread
The build range from 1973 to 2013 is unusual for a community this size, but the median year built of 1974 tells you the character is set by the original homes. That matters for budgeting: roofs, HVAC, plumbing, and electrical on a 1970s home are all on the clock, and how much of that work a given seller has already done is the single biggest variable in what you pay. Inspect hard, and price the deferred maintenance you find.
With about 80% of homes homesteaded and only a handful of closings in the recent window, turnover is low and inventory is thin. That works two ways. Owners tend to hold, so well-kept homes are the norm, but it also means you may wait for the right listing rather than choose from many. A 72-day median makes clear this is not a market where you decide in a weekend.
The location and the amenities are priced into every listing in Harbor Palms. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community where condition sets the price and listings are infrequent, the value we add is judgment on what a home actually needs versus what it is asking. We read the deferred maintenance on a 1970s house, we price to the real median rather than to hope, and with a 72-day pace we help you negotiate from patience instead of pressure — on either side of the deal.
Harbor Palms in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Harbor Palms buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Harbor Palms sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Palms, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Palms home worth?
Get a no-obligation home value based on real comparable sales in Harbor Palms, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Harbor Palms?
How long do homes in Harbor Palms take to sell?
How many homes are in Harbor Palms?
What share of Harbor Palms is owner-occupied?
When were the homes in Harbor Palms built?
Who is the best real estate agent for Harbor Palms?
How do I find a top Oldsmar real estate agent who knows Harbor Palms?
Can Momentum Realty connect me with an agent for Harbor Palms?
Where is Harbor Palms, and what county is it in?
Should you buy in Harbor Palms?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34677)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2016 (17 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Harbor Palms-Unit Six fits the bigger picture — live prices, inventory, and Momentum Scores:
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