$479,900
3960 Tarpon Pointe Circle
Palm Harbor, FL 34684
Listing updated: June 26, 2026 at 8:46 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
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
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
- Status: ActiveJun 27, 2026
- Listed$479,900Jun 26, 2026
- 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
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 16x21 |
| Dining Room | First | 11x9 |
| Family Room | First | 14x15 |
| Kitchen | First | 10x13 |
| Primary Bedroom | First | 12x23 |
| Primary Bathroom | First | 12x7 |
| Bedroom 2 | First | 11x14 |
| Bedroom 3 | First | 11x8 |
| Laundry | First | 6x11 |
| Balcony/Porch/Lanai | First | 23x11 |
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-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.
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