3569 Oak Lake Drive, FL

$399,000

3569 Oak Lake Drive

Palm Harbor, FL 34684

Active
2
Beds
2
Baths
1,466
Sq Ft
0.16
Acres
1987
Built
Water view55+ community$272/sqft360° tour
🏠Single Family Residence

Property type

🏗️1987

Year built

📐7,153 sqft

Lot size

📊$272

Price / sq ft

🏘️$164/mo

HOA dues

📅115

Days on market

🚗2

Garage spaces

🌊X

Flood zone

About this home

One or more photo(s) has been virtually staged. UPDATED in 2026!!! NEW KITCHEN including quartz countertops, stainless steel appliances, cabinets with soft close doors and drawers! NEW BATHROOMS! NEW CARPET in bedrooms. Welcome to 3569 Oak Lake Drive, a delightful single-family home nestled in the heart of Palm Harbor's esteemed Highland Lakes community. This residence offers a harmonious blend of comfort, style, and active living in one of Florida's most sought-after 55+ neighborhoods. Step inside to discover a spacious split-bedroom floor plan designed for both privacy and comfort. This is basically a 2-bedroom home built within a 3-bedroom floorplan so all the rooms are large. The open-concept living and dining areas are bathed in natural light, creating a warm and inviting atmosphere. The kitchen boasts ample cabinetry and a cozy breakfast nook, perfect for morning coffee. The primary suite features a walk-in closet and an en-suite bathroom, while the second bedroom offers flexibility for guests or a home office. The Florida room provides additional living space, ideal for relaxing or entertaining guests. The landscaped yard offers a serene setting with mature trees and lush greenery. Highland Lakes is renowned for its resort-style amenities… Enjoy free access to three private nine-hole executive golf courses, along with a community pool, tennis, pickleball, bocce ball, and shuffleboard courts. For those who love the water, community pontoon boats offer a relaxing way to explore Lake Tarpon. Feeling creative? Dive into hands-on fun with ceramics, stained glass, and woodworking studios. With over 40 active clubs and complimentary RV and boat storage, there’s something here for everyone to enjoy year-round. Located just minutes from Gulf beaches, shopping, dining, and top-rated medical facilities, 3569 Oak Lake Drive offers the perfect blend of tranquility and convenience. Don't miss this opportunity to enjoy the Florida lifestyle in a vibrant, active community. Close to all the Tampa Bay Area has to offer; Championship golf courses, Tampa International Airport, NHL, NFL, MLB events, Grand Prix, PGA events, fine dining, concerts, parks, biking trails, BMX events, and more. Begin Your Paradise Life Today.

Estimated monthly payment

Principal & interest$2,018
Property taxes$243
Home insurance (est.)$183
HOA dues$164

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history115 days on market

  1. Status: Active
    Feb 6, 2026
  2. Listed$425,000
    Feb 6, 2026
  3. Price reduced$399,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
115
Subdivision
Highland Lakes Unit Eighteen
County
Pinellas
Year built
1987
Living area
1,466 sq ft
Price/sq ft
$272
Building area
2,170 sq ft (Public Records)
Lot size
7,153 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12103C0079H)
Garage
2 spaces
Annual taxes
$2,919 (2024)
Parcel #
05-28-16-38925-000-0190
Zoning
RPD-7.5
MLS #
TB8472815

Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Carpet, Ceramic Tile
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Solid Surface Counters, Thermostat
Laundry
In Garage
Stories / Levels
One
Direction faces
West

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes

HOA & Financial

HOA fee
$164 / Monthly
Monthly HOA
$164/mo
Total monthly fees
$164/mo
Total annual fees
$1,968
HOA name
Scarlett Roach
CDD
No
Min lease term
3 Months
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Please contact HOA for detailed Rental Restrictions.
Approval process
Please contact HOA for detailed approval process.

Exterior & Construction

Exterior features
Private Mailbox, Sidewalk, Sliding Doors
Construction materials
Block
Roof
Shingle
Foundation
Slab
Water view
Yes
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Electricity Connected, Sewer Connected, Water Connected

Community

Pets allowed
Yes
Senior community
Yes

Schools

ElementaryHighland Lakes Elementary-PNGreatSchools ↗
MiddleCarwise Middle-PNGreatSchools ↗
High SchoolPalm Harbor Univ High-PNGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Family RoomFirst17x15
Living RoomFirst21x20
KitchenFirst12x9
Primary BedroomFirst15x12
Bedroom 2First14x11

Listing Details

Listing date
2026-02-04
On market date
2026-02-06
Original list price
$425,000
Occupant type
Vacant
MLS area
34684 - Palm Harbor
Listing AOR
Suncoast Tampa
Status changed
2026-02-06
Tax legal description
HIGHLAND LAKES UNIT EIGHTEEN LOT 19

Flood risk

Minimal riskFEMA Zone XPanel 12103C0079H

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Tampa Road to Lake St George to Highland lakes to Oak Lake

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of June 1, 2026 at 8:00 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA