3972 Tarpon Pointe Circle, FL
Stellar MLS
1 / 1

$469,900

3972 Tarpon Pointe Circle

Palm Harbor, FL 34684

Listing updated: September 20, 2026 at 9:36 AM ET

Active
Stellar MLSListing courtesy of Coldwell Banker Realty · Amanda Justus · MLS #TB8549067 · Active · 727-781-3700
3
Beds
2
Baths
2,014
Sq Ft
0.16
Acres
1989
Built
Water access55+ community$233/sqft
Single Family Residence

Property type

1989

Year built

6,826 sqft

Lot size

$233

Price / sq ft

$164/mo

HOA dues

2

Days on market

2

Garage spaces

X

Flood zone

About this home

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!

Estimated monthly payment

Principal & interest$2,376
Property taxes$190
Home insurance (est.)$215
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 history2 days on market

  1. Status: Active
    Sep 18, 2026
  2. Listed$469,900
    Sep 18, 2026
  3. Price increased$469,900

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
2
Subdivision
Highland Lakes
County
Pinellas
Year built
1989
Living area
2,014 sq ft
Price/sq ft
$233
Building area
2,654 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
$2,279 (2025)
Parcel #
04-28-16-38928-000-0730
Zoning
RPD-7.5
MLS #
TB8549067

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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
Interior features
Ceiling Fans(s), Eat-in Kitchen, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Stone Counters, Thermostat, 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
Parking features
Driveway, Garage Door Opener, Golf Cart Parking

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
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, Rain Gutters, Sidewalk
Construction materials
Block, Stucco
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, Underground Utilities, Water Connected

Community

Pets allowed
Yes
Senior community
Yes

Room Details

RoomLevelDimensions
Family RoomFirst16x20
KitchenFirst9x11
Living RoomFirst23x12
Primary BedroomFirst12x17
Primary BathroomFirst12x5
Bedroom 2First12x11
Bathroom 2First9x5
Bedroom 3First13x11
Utility RoomFirst6x15
Dining RoomFirst11x12

Listing Details

Listing date
2026-09-12
On market date
2026-09-18
Original list price
$469,900
Occupant type
Vacant
MLS area
34684 - Palm Harbor
Listing AOR
Suncoast Tampa
Status changed
2026-09-18
Tax legal description
HIGHLAND LAKES UNIT THIRTYFOUR LOT 73

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 September 20, 2026 at 9:36 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.

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