3960 Tarpon Pointe Circle, FL3960 Tarpon Pointe Circle, FL3960 Tarpon Pointe Circle, FL
Stellar MLS
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$479,900

3960 Tarpon Pointe Circle

Palm Harbor, FL 34684

Listing updated: June 26, 2026 at 8:46 PM ET

Active
Stellar MLSListing courtesy of Coldwell Banker Realty · Amanda Justus · MLS #TB8523574 · Active · 727-781-3700
3
Beds
2
Baths
1,826
Sq Ft
0.16
Acres
1989
Built
Water access55+ community$263/sqft
Single Family Residence

Property type

1989

Year built

6,826 sqft

Lot size

$263

Price / sq ft

$164/mo

HOA dues

0

Days on market

2

Garage spaces

X

Flood zone

About this home

Perfectly positioned in one of the most desirable locations within Highland Lakes, Palm Harbor's premier 55+ golf community, this beautifully 3-bedroom, 2-bath home plus a bonus fully enclosed lanai offers an exceptional combination of modern upgrades, spacious living, and an unbeatable lifestyle. Just steps from the community's Lake Tarpon Lodge, this inviting residence features a sought-after split-bedroom floor plan with soaring vaulted ceilings in both the living and family rooms, creating a bright, open atmosphere filled with natural light. Luxury vinyl plank flooring extends throughout the home, complemented by updated hurricane-impact windows, a spacious indoor laundry room, and an attached two-car garage. At the center of the home, the beautifully renovated kitchen has been thoughtfully redesigned for both everyday living and entertaining. Featuring granite countertops, updated soft-close cabinetry, a charming breakfast nook, and a newly opened kitchen to the living room with bar-top seating, it seamlessly connects the home's main living spaces. Three sliders out to the fully enclosed lanai with new windows provides a comfortable year-round retreat, offering valuable additional living space that's not included in the heated square footage of the home! MAJOR UPDATES include a NEW 2024 HVAC, NEW 2024 hot water heater, NEW 2020 ROOF, updated hurricane-impact windows, and a cost-saving deep well for irrigation! No insurance worries here with a recently passed 4-point inspection and located safely high and dry in a non-flood zone. Highland Lakes offers one of the finest active adult lifestyles in the Tampa Bay area with an incredibly affordable HOA fee of only $164 per month. Residents enjoy unlimited FREE golf on three private executive golf courses, tennis, pickleball, bocce, shuffleboard, and a vibrant clubhouse featuring fitness classes, entertainment, clubs, and year-round 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 make everyday living even more convenient. Located just minutes from award-winning Gulf beaches, premier shopping and dining, top-rated healthcare, professional sports venues, two international airports, and a cruise port, this move-in-ready home offers the perfect opportunity to enjoy the very best of Florida living. Call today and experience everything this exceptional home and community have to offer!

Estimated monthly payment

Principal & interest$2,427
Property taxes$211
Home insurance (est.)$220
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 history0 days on market

  1. Status: Active
    Jun 27, 2026
  2. Listed$479,900
    Jun 26, 2026
  3. Price increased$479,900

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
0
Subdivision
Highland Lakes
County
Pinellas
Year built
1989
Living area
1,826 sq ft
Price/sq ft
$263
Building area
2,891 sq ft (Public Records)
Lot size
6,826 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12103C0079H)
Garage
2 spaces
Annual taxes
$2,537 (2025)
Parcel #
04-28-16-38928-000-0700
Zoning
RPD-7.5
MLS #
TB8523574

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Luxury Vinyl, Tile
Appliances
Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s)
Laundry
Inside, Laundry Room
Stories / Levels
One
Direction faces
Northwest

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
Highland Lakes HOA member services
CDD
No
Homestead exemption
Yes
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
55+ community. Please confirm lease restrictions with Highland Lakes HOA.
Approval process
Application & fee.

Exterior & Construction

Exterior features
Lighting, Private Mailbox, Sidewalk, Sliding Doors
Construction materials
Block
Roof
Shingle
Foundation
Slab
Water access
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available, Electricity Connected, Public, Sewer Connected, Sprinkler Well, Underground Utilities, Water Connected

Community

Pets allowed
Yes
Senior community
Yes

Room Details

RoomLevelDimensions
Living RoomFirst16x21
Dining RoomFirst11x9
Family RoomFirst14x15
KitchenFirst10x13
Primary BedroomFirst12x23
Primary BathroomFirst12x7
Bedroom 2First11x14
Bedroom 3First11x8
LaundryFirst6x11
Balcony/Porch/LanaiFirst23x11

Listing Details

Listing date
2026-06-22
On market date
2026-06-26
Original list price
$479,900
Occupant type
Owner
MLS area
34684 - Palm Harbor
Listing AOR
Suncoast Tampa
Status changed
2026-06-27
Tax legal description
HIGHLAND LAKES UNIT THIRTYFOUR LOT 70

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

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.

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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 26, 2026 at 8:46 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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