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Accepting backups
    • Price cut: $5K (8/7)
    $474,900

    3960 TARPON POINTE CIRCLE, PALM HARBOR, FL 34684

    3beds
    1,826sqft
    : 
    $3,441/mo
    Get pre-qualified
    Single Family Residence
    Built in 1989
    6,826 Square Feet Lot
    $464,200 Zestimate®
    $260/sqft
    $164/mo HOA

    What's special

    Modern upgradesBeautifully renovated kitchenGranite countertopsCharming breakfast nookAttached two-car garageSpacious indoor laundry roomBonus fully enclosed lanai
    Under contract-accepting backup offers. Perfectly positioned in one of the most desirable locations within Highland Lakes, Palm Harbor's premier 55+ golf community, this beautiful 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!
    88 days
    73
    2

    Zillow last checked:

    Listing updated:

    Listed by:

    Amanda Justus 727-330-4478,

    COLDWELL BANKER REALTY 727-781-3700

    Source: Stellar MLS,MLS#: TB8523574MLS LogoOriginating MLS: Suncoast Tampa

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Family Room, Dining Room, Utility Room
      Primary bedroom
      • Features: Ceiling Fan(s), En Suite Bathroom, Walk-In Closet(s)
      • Level: First
      • Area: 276 Square Feet
      • Dimensions: 12x23
      Bedroom 2
      • Features: Ceiling Fan(s), Built-in Closet
      • Level: First
      • Area: 154 Square Feet
      • Dimensions: 11x14
      Bedroom 3
      • Features: Ceiling Fan(s), Built-in Closet
      • Level: First
      • Area: 88 Square Feet
      • Dimensions: 11x8
      Primary bathroom
      • Features: Dual Sinks, En Suite Bathroom, Makeup/Vanity Space, Shower No Tub
      • Level: First
      • Area: 84 Square Feet
      • Dimensions: 12x7
      Balcony porch lanai
      • Features: Ceiling Fan(s), No Closet
      • Level: First
      • Area: 253 Square Feet
      • Dimensions: 23x11
      Dining room
      • Level: First
      • Area: 99 Square Feet
      • Dimensions: 11x9
      Family room
      • Features: Ceiling Fan(s)
      • Level: First
      • Area: 210 Square Feet
      • Dimensions: 14x15
      Kitchen
      • Features: Breakfast Bar, Kitchen Island, Stone Counters
      • Level: First
      • Area: 130 Square Feet
      • Dimensions: 10x13
      Laundry
      • Features: Built-in Closet
      • Level: First
      • Area: 66 Square Feet
      • Dimensions: 6x11
      Living room
      • Level: First
      • Area: 336 Square Feet
      • Dimensions: 16x21
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
      • Laundry: Inside, Laundry Room
      Features
      • Ceiling Fan(s), Eating Space 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)
      • Flooring: Luxury Vinyl, Tile
      • Doors: Sliding Doors
      • Windows: Hurricane Shutters/Windows
      • Has fireplace: No
      Interior area
      • Total structure area: 2,891
      • Total interior livable area: 1,826 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Enclosed, Rear Porch
      • Exterior features: Irrigation System, Lighting, Private Mailbox, Sidewalk
      • On waterfront: Yes
      • Waterfront features: Lake, Waterfront, Lake Privileges, Boat Ramp - Private, Fishing Pier, Sailboat Water, Skiing Allowed
      • Body of water: LAKE TARPON
      Lot
      • Size: 6,826 Square Feet
      • Dimensions: 65 x 105
      • Features: Level, Near Golf Course, Near Marina, Sidewalk, Above Flood Plain
      Details
      • Parcel number: 042816389280000700
      • Zoning: RPD-7.5
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Ranch,Traditional
      • Property subtype: Single Family Residence
      Materials
      • Block
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 1989

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Electricity Connected, Public, Sewer Connected, Sprinkler Well, Underground Utilities, Water Connected

      Community & HOA

      Community
      • Features: Community Boat Ramp, Dock, Fishing, Lake, Water Access, Waterfront, Association Recreation - Owned, Clubhouse, Deed Restrictions, Golf Carts OK, Golf, Pool, Sidewalks
      • Pet fee: $0 monthly
      • Senior community: Yes
      • Subdivision: HIGHLAND LAKES
      HOA
      • Has HOA: Yes
      • Services included: Common Area Taxes, Community Pool, Reserve Fund, Pool Maintenance, Recreational Facilities
      • HOA fee: $164 monthly
      • HOA name: Highland Lakes HOA member services
      • HOA phone: 727-784-1402
      Location
      • Region: Palm Harbor

      Financial & listing details

      • Price per square foot: $260/sqft
      • Tax assessed value: $392,475
      • Annual tax amount: $2,537
      • Date on market: 6/26/2026
      • Cumulative days on market: 78 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Paved

        Estimated market value

        $464,200

        $441,000 - $487,000

        $3,045/mo

        Price history

        DateEventPrice
        8/7/2026Price change$474,900-1%$260/sqft
        Source: Stellar MLS #TB8523574 Report a problem
        7/18/2026Listed for sale$479,900$263/sqft
        Source: Stellar MLS #TB8523574 Report a problem
        7/9/2026Contingent$479,900$263/sqft
        Source: Stellar MLS #TB8523574 Report a problem
        6/27/2026Listed for sale$479,900+203.7%$263/sqft
        Source: Stellar MLS #TB8523574 Report a problem
        5/4/2001Sold$158,000$87/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,537 +4.4%$190,686 +2.9%
        2024$2,430 +2.4%$185,312 +3%
        2023$2,373 +0.1%$179,915 +3%
        2022$2,371 -0.6%$174,675 +3%
        2021$2,386 +0.5%$169,587 +1.4%
        2020$2,374 +2.2%$167,246 +2.3%
        2019$2,324 $163,486 +1.9%
        2018$2,324 +1.7%$160,438 +2.1%
        2017$2,285 +2.4%$157,138 +2.1%
        2016$2,232 -1.5%$153,906 +0.7%
        2015$2,265 +0.7%$152,836 +0.8%
        2014$2,249 +0.8%$151,623 +1.5%
        2013$2,230 +7.9%$149,382 +1.7%
        2012$2,066 $146,885 -8.1%
        2011-- $159,868 -0.8%
        2010-- $161,208 +0.5%
        2009-- $160,441 -8.7%
        2008$2,604 $175,727 +3%
        2007-- $170,609 +0.2%
        2005-- $170,300 +8.5%
        2004$2,900 +21.1%$156,900 +13.6%
        2003$2,394 +16.3%$138,100 +6.4%
        2002$2,059 $129,800 +8.4%
        2001$2,059 +5.7%$119,700 +3.5%
        2000$1,948 $115,600
        Find assessor info on the county website

        Monthly payment

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
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        Climate risks

        Neighborhood: 34684

        Getting around

        1 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        31 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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