
$469,900
3972 Tarpon Pointe Circle
Palm Harbor, FL 34684
Listing updated: September 20, 2026 at 9:36 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
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
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
- Status: ActiveSep 18, 2026
- Listed$469,900Sep 18, 2026
- 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
Ask about this home
Have a question? Ask the broker directly.
Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.
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
| Room | Level | Dimensions |
|---|---|---|
| Family Room | First | 16x20 |
| Kitchen | First | 9x11 |
| Living Room | First | 23x12 |
| Primary Bedroom | First | 12x17 |
| Primary Bathroom | First | 12x5 |
| Bedroom 2 | First | 12x11 |
| Bathroom 2 | First | 9x5 |
| Bedroom 3 | First | 13x11 |
| Utility Room | First | 6x15 |
| Dining Room | First | 11x12 |
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-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.
More homes like this

$111,000
Indian Trail Rd
Weeki Wachee, FL 34613
1.75 acres
Highland Lakes
MLS ID #W7889375, FLORIDAS A TEAM REALTY.
Listing provided by Stellar MLS

$130,000
2211 Lark Cir W #D
Palm Harbor, FL 34684
2 bd · 2 ba · 1,230 sqft
Highland Lakes
MLS ID #TB8537795, CENTURY 21 BILL NYE REALTY.
Listing provided by Stellar MLS

$215,000
1652 Highland Club Ln
Palm Harbor, FL 34684
1 bd · 2 ba · 700 sqft
Highland Lakes
MLS ID #TB8545125, MARK SPAIN REAL ESTATE.
Listing provided by Stellar MLS


$260,000
7876 Ridge Rd
Weeki Wachee, FL 34613
3 bd · 2 ba · 1,636 sqft
Highland Lakes
MLS ID #TB8522315, OPTIMA ONE REALTY.
Listing provided by Stellar MLS
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.
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.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA