3972 TARPON POINTE CIRCLE Palm Harbor, FL $ 469,900
3972 TARPON POINTE CIRCLE
$ 469,900
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3972 TARPON POINTE CIRCLE

Palm Harbor, FL, 34684
$ 469,900
Bedrooms3 Baths2.0 Sq 2,014

Monthly Estimate*

$ 3,245

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Single Family Home for sale in Palm Harbor, FL

for $469,900 with 3 bedrooms and 2 full baths. This 2,014 square foot home was built in 1989 on a lot size of 0.16.

Under contract-accepting backup offers. Virtually Staged. Florida living at its finest awaits in this beautiful 3-bedroom, 2-bathroom Highland Lakes home, offering over 2,000 square feet of living space in Palm Harbor’s premier 55+ golf community, just steps from Lake Tarpon! A welcoming double-door entry opens to a bright and spacious interior where thoughtful updates and desirable features come together to create an easy, move-in-ready home. Inside, BRAND-NEW 2026 luxury vinyl plank flooring flows seamlessly throughout the home, complemented by fresh interior paint, new baseboards, multiple skylights, and hurricane-impact windows that fill the living spaces with natural light. The eat-in kitchen provides plenty of room to gather and features granite countertops, abundant cabinetry, a convenient built-in desk, and a breakfast nook for casual dining. The oversized indoor laundry room offers exceptional functionality with a spacious storage closet, utility sink, additional cabinetry, and a second refrigerator, along with direct access to the 2-car garage. The private primary suite is located at the rear of the home and features a large walk-in closet, an additional built-in closet, and an en-suite bathroom with a walk-in shower. Two additional spacious bedrooms offer walk-in closet space, providing plenty of room for guests, an office, hobbies, or additional storage. The major improvements have already been taken care of, including a BRAND-NEW 2026 ROOF, NEW 2025 HVAC, NEW 2025 HOT WATER HEATER, hurricane-impact windows, and brand-new rain gutters being installed prior to closing! The home has also recently passed a 4-point inspection and is situated high and dry in a non-flood zone, offering added peace of mind. Beyond the home, enjoy everything Highland Lakes has to offer for an incredibly affordable HOA fee of just $164 per month. Residents enjoy unlimited FREE golf on three private executive golf courses, plus tennis, pickleball, bocce, shuffleboard, fitness classes, clubs, entertainment, and a full calendar of social activities. The private Lake Tarpon Lodge offers a boat ramp, fishing pier, and community pontoon boats, while complimentary RV and boat storage and golf-cart-friendly streets add even more convenience to everyday life. Located just minutes from the Gulf beaches, outstanding shopping and dining, top-rated healthcare, professional sports, two international airports, and a cruise port, this exceptional home offers the perfect combination of modern updates, spacious living, and an active Florida lifestyle. Come discover all that this wonderful home and Highland Lakes have to offer!

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Single Family Contingent

Price

$ 469,900

Bedrooms

3

Full Bath

2

Property Type

Single Family

Taxes

$ 2,279

Style

Ranch Traditional

Lot Size

0.16

Year Built

1989

Town/City

Palm Harbor

County/Region

Pinellas

MLS | Web ID

TB8549067

Features
General
Sewer Public Sewer
Heating Central
Cooling Central Air
Utilities Cable Available Electricity Connected Public Sewer Connected Underground Utilities Water Connected
Possession Close Of Escrow
Roof Shingle
Appliances Dishwasher Disposal Dryer Electric Water Heater Microwave Range Refrigerator Washer
Zoning RPD-7.5
HOA Fee 164
Garage Spaces 2
Association Fee Includes Common Area Taxes Community Pool Escrow Reserves Fund Pool Maintenance Recreational Facilities
Patio/Porch Features Front Porch Screened
Architectural Style Ranch Traditional
Construction Materials Block Stucco
Pets Allowed Yes
Year Built 1989
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Waterfront Features Lake Waterfront
Community Features Community Boat Ramp Dock Fishing Lake Water Access Waterfront Association Recreation - Owned Clubhouse Deed Restrictions Golf Carts OK Golf Pool Sidewalks Tennis Court(s)
Assoc Fee Paid Per Monthly
County Pinellas
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name HIGHLAND LAKES
Facing Direction Northwest
Garage Y/N true
Total Rooms 10
Full Baths 2
Status Pending
Directions US 19 N to Highland Lakes main entrance (fountains) north of Nebraska. Follow entrance road through the 4-way stop. Take a right onto Loch Rd. Take a left onto Tarpon Pointe Cir to the property located on your right.
City PALM HARBOR
Body of Water LAKE TARPON
Association Name Highland Lakes HOA
Senior Community Y/N true
MLS Area 34684 - Palm Harbor
Lot Size Units Square Feet
Lot Size Square Feet 6826
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Land Lease Y/N false
Tax Annual Amount 2279.19
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active Under Contract
Occupancy Type Vacant
Tax Lot 73
Legal Description HIGHLAND LAKES UNIT THIRTYFOUR LOT 73
Water Access Type Lake
Minimum Lease 3 Months
Water Access Y/N true
Monthly HOA Amount 164
Additional Rooms Family Room Inside Utility
Water View Y/N false
Flood Zone Code X
In Law Suite YN false
Flood Zone Code X Y
DockY/N false
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Interior
Interior Amenities Ceiling Fan(s) Eating Space In Kitchen Living Room/Dining Room Combo Open Floorplan Primary Bedroom Main Floor Skylight(s) Split Bedroom Stone Counters Thermostat Walk-In Closet(s)
Flooring Luxury Vinyl
Furnished Y/N Unfurnished
Total Stories 1
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N false
Half Baths 0
Laundry Features Inside Laundry Room
Total Bedrooms 3
Total Baths 2
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Exterior
Exterior Amenities Irrigation System Lighting Private Mailbox Rain Gutters Sidewalk
Vegetation Trees/Landscaped
Parking Features Driveway Garage Door Opener Golf Cart Parking
Lot Features Landscaped Level Near Golf Course Sidewalk
Water Source Public
Lot Size Area 6826
Foundation Details Slab
Spa false
Building Area Total 2654
Lot Dimensions 65 x 105
Lot Size Acres 0.16
Road Surface Type Paved
Private Pool false
Waterfront Y/N false
Covered Spaces 2
Road Frontage Type Street Paved
Road Responsibility Public Maintained Road
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* Excluded Features
List By
Coldwell Banker Realty

Broker

amanda.justus@cbrealty.com

Email

Affordability Calculator

$3,435
Per Month
94%
6%
0%
Monthly Principal & Interest
$3,245
Monthly Property Taxes
$190
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 7.375% 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
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
9/18/2026$469,900 Listed Price

Map


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3972 TARPON POINTE CIRCLE, Palm Harbor, FL, 34684 is a Single Family Home for sale at $469,900 with 2,014 sqft and a lot size of 0.16. 3972 TARPON POINTE CIRCLE has 3 bedrooms, 2.0 baths, and was built in 1989. The property's zip code is 34684 which is in Palm Harbor, FL