3204 MCMATH DRIVE Palm Harbor, FL $ 320,000
3204 MCMATH DRIVE
$ 320,000
Adult Community
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3204 MCMATH DRIVE

Palm Harbor, FL, 34684
$ 320,000
Bedrooms2 Baths2.0 Sq 1,332

Monthly Estimate*

$ 1,996

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Single Family Home for sale in Palm Harbor, FL

for $320,000 with 2 bedrooms and 2 full baths. This 1,332 square foot home was built in 1982 on a lot size of 0.09.

Under contract-accepting backup offers. Welcome to this beautifully updated villa in Palm Harbor’s premier 55+ golf community of Highland Lakes! This stunning home features soaring vaulted ceilings, brand NEW luxury vinyl flooring, updated windows, and a brand NEW 2025 roof, offering peace of mind and timeless style. Perfectly positioned in one of the community’s most desirable locations, the villa backs to tranquil green space and peaceful water views with no immediate rear neighbors, providing ultimate privacy. The bonus fully enclosed lanai is not included in the heated square footage of the home, but is a peaceful & relaxing space to enjoy year-round. The thoughtful split floor plan centers around a spacious, modern kitchen with updated cabinetry, a built-in pantry, abundant counter space, newer appliances, and a cozy eat-in nook for casual dining. The expansive master suite is a true retreat, boasting generous closet space and an updated en suite bath with a walk-in shower. Pet-friendly Duplex Village II offers the lowest monthly fee in Highland Lakes—just $163/month—including cable, internet, lawn service, irrigation, trash, recycling, and pest control. Plus, a recent 4-point inspection has been completed and is transferrable to the buyer. Roof (2025), HVAC (2017), and updated electrical panel and storm windows! Located in a non-evacuation zone and safely above the flood plain, this home offers security and convenience. Residents of Highland Lakes enjoy a vibrant, country club lifestyle for only $164/month, with unlimited golf on three private executive courses, tennis, pickleball, bocce, and shuffleboard, a dynamic clubhouse with entertainment and fitness classes, and a lakeside lodge on Lake Tarpon with a private boat ramp, fishing pier, and community pontoon boats. Additional perks include free RV and boat storage and a fully golf cart-friendly neighborhood. Close to award-winning beaches, shopping, dining, top medical facilities, sports venues, and international airports, this rare Highland Lakes gem offers elegance, comfort, and effortless living—ready for you to move in and enjoy today!

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Single Family Pending

Price

$ 320,000

Bedrooms

2

Full Bath

2

Property Type

Single Family

Taxes

$ 1,319

Style

Ranch,Traditional

Lot Size

0.09

Year Built

1982

Town/City

Palm Harbor

County/Region

Pinellas

MLS | Web ID

TB8408700

Features
Interior
Interior Amenities ceiling fan(s) crown molding eating space in kitchen living room/dining room combo primary bedroom main floor solid wood cabinets split bedroom vaulted ceiling(s)
Flooring luxury vinyl tile
Total Stories 1
Common Walls end unit
Air Conditioning Y/N yes
Heating Y/N yes
Window Features storm window(s)
Fireplace Y/N no
Half Baths 0
Laundry Features inside laundry closet
Total Bedrooms 2
Total Baths 2
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General
Sewer public sewer
Heating central
Cooling central air
Utilities cable available electricity connected private public sewer connected water connected
Possession close of escrow
Roof shingle
Appliances dishwasher disposal dryer microwave range refrigerator washer
Zoning rpd-7.5
HOA Fee 163
Garage Spaces 1
Association Fee Includes cable tv common area taxes community pool escrow reserves fund internet maintenance grounds manager recreational facilities trash
Patio/Porch Features enclosed rear porch
Architectural Style ranch traditional
Construction Materials block
Pets Allowed cats ok dogs ok
Year Built 1982
View water
Levels one
Property Subtype villa
Tax Year 2024
Ownership fee simple
Waterfront Features lake waterfront
Community Features community boat ramp dock fishing lake water access waterfront association recreation - owned buyer approval required clubhouse deed restrictions golf carts ok golf pool sidewalks tennis court(s)
HOA Fee 2 164
Assoc Fee Paid Per monthly
County pinellas
New Construction no
Property Type residential
Association Amenities clubhouse golf course pickleball court(s) pool recreation facilities shuffleboard court spa/hot tub
HOA Y
Attached Garage yes
Subdivision Name highland lakes duplex village ii
Facing Direction southeast
Garage Y/N yes
Total Rooms 7
Full Baths 2
Status pending
Directions us 19 n to main entrance (fountains) north of nebraska. follow entrance road to a right onto mcmath dr. property located on your right.
City palm harbor
Body of Water lake tarpon
Association Name duplex village ii member services
Senior Community Y/N yes
MLS Area 34684 - palm harbor
Lot Size Units square feet
Lot Size Square Feet 3846
Carport Y/N no
Listing Terms cash conventional fha va loan
HOA Fee 2 Frequency monthly
Land Lease Y/N no
Tax Annual Amount 1319.88
Additional Parcels Y/N no
Lease Considered Y/N yes
Virtual Tour https://www.propertypanorama.com/instaview/stellar/tb8408700
Building Area Units square feet
Living Area Units square feet
Standard Status pending
Occupancy Type vacant
Tax Lot 88
Legal Description highland lakes unit thirteen phase 2 lot 88
Water Access Type lake
Pet Size Limit small (16-35 lbs.)
Minimum Lease 8-12 months
Water Access Y/N yes
Monthly HOA Amount 163
Additional Rooms bonus room formal dining room separate inside utility
Water View Y/N no
Flood Zone Code x
DockY/N no
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Exterior
Exterior Amenities irrigation system private mailbox rain gutters sidewalk sliding doors
Vegetation mature landscaping
Parking Features driveway garage door opener golf cart parking oversized
Lot Features landscaped level near golf course sidewalk
Water Source public
Lot Size Area 3846
Foundation Details slab
Building Area Total 1892
Lot Size Acres 0.09
Road Surface Type paved
Private Pool no
Waterfront Y/N no
Covered Spaces 1
Road Responsibility public maintained road
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Internal Only
Street Number 1 3204
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* Excluded Features
List By
Coldwell Banker Realty

Broker

amanda.justus@cbrealty.com

Email

Affordability Calculator

$2,106
Per Month
95%
5%
0%
Monthly Principal & Interest
$1,996
Monthly Property Taxes
$110
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
266288 Elementary School
265661 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
10/20/2025$320,000 -5.85% Price Down
9/16/2025$339,900 -2.86% Price Down
7/19/2025$349,900 Listed Price

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3204 MCMATH DRIVE, Palm Harbor, FL, 34684 is a Single Family Home for sale at $320,000 with 1,332 sqft and a lot size of 0.09. 3204 MCMATH DRIVE has 2 bedrooms, 2.0 baths, and was built in 1982. The property's zip code is 34684 which is in Palm Harbor, FL