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$429,000

3444 Carmichael StreetPalm Harbor, FL 34684

Listing updated: October 16, 2026 at 12:38 PM ET

Active

Listing courtesy of Conci, Realtors · Cyndi Olmstead · MLS #TB8554143 · Active · 727-405-0005

Beds

Baths

1,460

Sq Ft

0.16

Acres

1984

Built

◆$294/sqft◆360° tour

Single Family Residence

Property type

1984

Year built

7,048 sqft

Lot size

$294

Price / sq ft

$164/mo

HOA dues

Days on market

Garage spaces

Flood zone

About this home

Welcome to 3444 Carmichael St, where the big-ticket updates are already done and the lifestyle is ready when you are. This home is in Highland Lakes, Palm Harbor's active 55+ golf community, and it pairs thoughtful improvements with the peace of mind of knowing the major items have been handled: roof 2023, water softener 2022, and A/C 2017. The home is located outside both flood and evacuation zones. This home has been pre-inspected. A 2014 addition and remodel expanded and refreshed the home and created additional living space and an open floor plan to enjoy. The kitchen was updated with stone countertops and tile flooring. Refinished ceilings and recessed lighting give the interior a clean, bright feel, and classic 3" wood shutters throughout provide both privacy and easy light control. A walk-in closet provides generous storage. As part of the Highland Lakes master association, you'll enjoy low HOA fees and access to [community amenities: golf, clubhouse, pools, courts, social activities]. The community is close to Palm Harbor shopping, dining, medical services, and Gulf beaches. Schedule your private showing today.

Estimated monthly payment

Principal & interest$2,169

Property taxes$142

Home insurance (est.)$197

HOA dues$164

Down payment

20%

$85,800 downRate

6.5%

Term

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 history15 days on market

Status: Active
Oct 2, 2026
Listed$429,000
Oct 1, 2026

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 15
Subdivision: Highland Lakes Unit Fifteen Ph 2 Lot 32
County: Pinellas
Year built: 1984
Living area: 1,460 sq ft
Price/sq ft: $294
Building area: 1,997 sq ft (Public Records)
Lot size: 7,048 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12103C0078G)
Garage: 2 spaces
Annual taxes: $1,708 (2025)
Parcel #: 05-28-16-38907-000-0320
Zoning: RPD-7.5
MLS #: TB8554143

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Interior Details

Bedrooms: 2
Full bathrooms: 2
Flooring: Carpet
Appliances: Dishwasher, Dryer, Range, Refrigerator, Washer
Interior features: Ceiling Fans(s), Thermostat
Laundry: Electric Dryer Hookup, Washer Hookup
Stories / Levels: One
Direction faces: South

Heating & Cooling

Heating: Electric
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: Scarlet Roach
CDD: No
Homestead exemption: Yes
Min lease term: 1-2 Years
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: Buyer / Buyer's agent to confirm leasing requirements with the HOA.
Approval process: Approval process must be confirmed with the HOA.

Exterior & Construction

Exterior features: Private Mailbox
Construction materials: Stucco
Roof: Shingle
Foundation: Slab
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: BB/HS Internet Available, Cable Available, Electricity Available, Phone Available

Community

Pets allowed: Yes

Schools

ElementaryHighland Lakes Elementary-PNGreatSchools ↗

MiddleCarwise Middle-PNGreatSchools ↗

High SchoolPalm Harbor Univ High-PNGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Primary Bedroom	First	12.1x15.2
Primary Bathroom	First	5.3x9.5
Bedroom 2	First	13.4x11
Bathroom 2	First	5.5x7.5
Family Room	First	16.11x15.4
Foyer	First	8.4x4.7
Dining Room	First
Living Room	First
Laundry	First
Kitchen	First

Listing Details

Listing date: 2026-10-01
On market date: 2026-10-01
Original list price: $429,000
Occupant type: Owner
MLS area: 34684 - Palm Harbor
Listing AOR: Suncoast Tampa
Status changed: 2026-10-02
Tax legal description: HIGHLAND LAKES UNIT FIFTEEN PHASE 2 LOT 32

Flood risk

Minimal riskFEMA Zone XPanel 12103C0078G

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

• Head South/West toward Tampa Rd: From East Lake, make your way onto County Rd 611 / East Lake Rd S heading south toward Tampa Road. • Turn Right onto Tampa Rd: Head west on Tampa Rd for about 1.5 miles. • Turn Right onto Lake St George Dr: Head north for a brief moment. • Turn Left onto Langstaff Dr: Follow it into the neighborhood. • Turn Right onto Carmichael St / Carmichael Ct: Proceed down the street until you reach 3444 Carmichael St on your left.

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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 October 16, 2026 at 12:38 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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