3558 Oak Lake Drive, FL
Stellar MLS
1 / 1

$625,000

3558 Oak Lake Drive

Palm Harbor, FL 34684

Listing updated: September 24, 2026 at 6:44 AM ET

Active
Stellar MLSListing courtesy of Coldwell Banker Realty · Julie Kelsey · MLS #TB8543377 · Active · 727-781-3700
3
Beds
2
Baths
2,154
Sq Ft
0.24
Acres
1987
Built
◆Water access◆55+ community◆$290/sqft
Single Family Residence

Property type

1987

Year built

10,245 sqft

Lot size

$290

Price / sq ft

$165/mo

HOA dues

23

Days on market

2

Garage spaces

X

Flood zone

About this home

Welcome to this beautifully updated home in Highland Lakes, Palm Harbor’s premier 55+ community, ideally situated on a large corner lot. Featuring a desirable split-bedroom floor plan, this home has been extensively updated over the past year, making it truly move-in ready. Major improvements include a new roof (2025), new HVAC system (2025) with a 5-year maintenance plan, new water heater and whole-house water filtration system (2025), new gutters, and replacement windows, some of which are hurricane rated. The interior has been refreshed from top to bottom with popcorn ceilings removed and retextured, new ceiling vents, updated electrical switches and outlets, new door hardware, and fresh interior paint throughout. The kitchen was completely remodeled in 2026 with new cabinetry, quartz countertops, backsplash, sink, garbage disposal, recessed lighting, and microwave. A newer refrigerator and range complete the space. Both bathrooms have also been updated, including a completely renovated guest bath with new tile, shower, shower door, vanity, lighting, fixtures, and flooring. The primary bath features a new shower, shower door, and toilet. Additional updates continue throughout the home. The laundry room features a newer washer and dryer, flooring, utility sink, backsplash, and lighting. The garage offers an insulated new garage door, upgraded garage floor, overhead and additional storage shelving, attic steps, updated entry and service doors, and ceiling improvements. The enclosed lanai provides additional comfortable living space and has been extensively improved with a raised floor, new insulated drywall ceiling, mini-split HVAC system, window treatments, lighting, ceiling fan, and new exterior door. Outside, you'll find updated landscaping, a paver patio, irrigation for the landscaping, exterior landscape lighting in the front, and a freshly painted front porch, creating an inviting and well-maintained outdoor setting. Highland Lakes offers an impressive selection of amenities designed for an active and social lifestyle. Residents enjoy complimentary golf on three private executive courses, along with RV and boat storage. Tennis and pickleball, fitness classes, clubs, games, and activities provide something for nearly every interest. The main clubhouse and Lake Lodge host a variety of social events and entertainment, while the Arts & Crafts building offers a woodshop, art studios, and classes. All of this is just minutes from Gulf beaches, shopping, dining, professional sports, two international airports, and medical services. Located above the flood plain and in a non-evacuation zone, Highland Lakes combines a convenient Palm Harbor location with an active, amenity-filled lifestyle. With extensive updates already completed, this move-in-ready home allows you to spend less time on projects and more time enjoying everything Highland Lakes has to offer.

Estimated monthly payment

Principal & interest$3,160
Property taxes$438
Home insurance (est.)$286
HOA dues$165

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 history23 days on market

  1. Status: Active
    Sep 1, 2026
  2. Listed$650,000
    Sep 1, 2026
  3. Price reduced$625,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
23
Subdivision
Highland Lakes Unit Eighteen
County
Pinellas
Year built
1987
Living area
2,154 sq ft
Price/sq ft
$290
Building area
2,850 sq ft (Public Records)
Lot size
10,245 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12103C0079H)
Garage
2 spaces
Annual taxes
$5,251 (2025)
Parcel #
05-28-16-38925-000-0340
Zoning
RPD-7.5
MLS #
TB8543377

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Luxury Vinyl
Appliances
Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
Interior features
Ceiling Fans(s), Living Room/Dining Room Combo, Split Bedroom, Walk-In Closet(s)
Laundry
Inside, Laundry Room
Stories / Levels
One
Direction faces
North

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Driveway

HOA & Financial

HOA fee
$165 / Monthly
Monthly HOA
$165/mo
Total monthly fees
$165/mo
Total annual fees
$1,980
HOA name
Scarlet Roach
CDD
No
Homestead exemption
Yes
Min lease term
3 Months
Listing terms
Cash, Conventional, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
55+ community; at least one resident must be 55. Confirm all lease restrictions with HOA
Approval process
Application & fee.

Exterior & Construction

Exterior features
Lighting
Construction materials
Block, Stucco
Roof
Shingle
Foundation
Slab
Water access
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Public

Community

Pets allowed
Cats OK, Dogs OK
Senior community
Yes

Room Details

RoomLevelDimensions
Living RoomFirst18x20
KitchenFirst10x15
Primary BedroomFirst12x20
DinetteFirst11.5x9
Family RoomFirst14.5x14
Bedroom 1First11x11
Bedroom 2First11x15
Florida RoomFirst24x12

Listing Details

Listing date
2026-08-29
On market date
2026-09-01
Original list price
$650,000
Occupant type
Owner
MLS area
34684 - Palm Harbor
Listing AOR
Suncoast Tampa
Status changed
2026-09-01
Tax legal description
HIGHLAND LAKES UNIT EIGHTEEN LOT 34

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 north of Nebraska. Follow Highlands Blvd to right on Lake Pointe Rd to left on Oak Lake Drive. Follow to address on right.

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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 September 24, 2026 at 6:44 AM 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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