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For sale
    • $469,900

    3972 TARPON POINTE CIRCLE, PALM HARBOR, FL 34684

    3beds
    2,014sqft
    : 
    $3,435/mo
    Get pre-qualified
    Single Family Residence
    Built in 1989
    6,826 Square Feet Lot
    $454,200 Zestimate®
    $233/sqft
    $164/mo HOA

    What's special

    New baseboardsGranite countertopsFresh interior paintMultiple skylightsBrand-new rain guttersConvenient built-in deskDouble-door entry
    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!
    2 days
    474
    39

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Amanda Justus 727-330-4478,

    COLDWELL BANKER REALTY 727-781-3700

    Source: Stellar MLS,MLS#: TB8549067MLS LogoOriginating MLS: Suncoast Tampa

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 3
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Family Room, Utility Room
      Primary bedroom
      • Features: Ceiling Fan(s), En Suite Bathroom, Walk-In Closet(s)
      • Level: First
      • Area: 204 Square Feet
      • Dimensions: 12x17
      Bedroom 2
      • Features: Ceiling Fan(s), Walk-In Closet(s)
      • Level: First
      • Area: 132 Square Feet
      • Dimensions: 12x11
      Bedroom 3
      • Features: Ceiling Fan(s), Built-in Closet
      • Level: First
      • Area: 143 Square Feet
      • Dimensions: 13x11
      Primary bathroom
      • Features: En Suite Bathroom, Jack & Jill Bathroom, Shower No Tub, Single Vanity
      • Level: First
      • Area: 60 Square Feet
      • Dimensions: 12x5
      Bathroom 2
      • Features: Tub With Shower
      • Level: First
      • Area: 45 Square Feet
      • Dimensions: 9x5
      Dining room
      • Level: First
      • Area: 132 Square Feet
      • Dimensions: 11x12
      Family room
      • Features: Ceiling Fan(s)
      • Level: First
      • Area: 320 Square Feet
      • Dimensions: 16x20
      Kitchen
      • Features: Ceiling Fan(s), Pantry, Built-in Features, Granite Counters
      • Level: First
      • Area: 99 Square Feet
      • Dimensions: 9x11
      Living room
      • Features: Ceiling Fan(s)
      • Level: First
      • Area: 276 Square Feet
      • Dimensions: 23x12
      Utility room
      • Features: Storage Closet
      • Level: First
      • Area: 90 Square Feet
      • Dimensions: 6x15
      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, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s)
      • Flooring: Luxury Vinyl
      • Windows: Skylight(s), Hurricane Shutters/Windows
      • Has fireplace: No
      Interior area
      • Total structure area: 2,654
      • Total interior livable area: 2,014 sqft

      Property

      Parking
      • Total spaces: 2
      • Parking features: Driveway, Garage Door Opener, Golf Cart Parking
      • Attached garage spaces: 2
      • Has uncovered spaces: Yes
      • Details: Garage Dimensions: 20x19
      Features
      • Levels: One
      • Stories: 1
      • Patio & porch: Front Porch, Screened
      • Exterior features: Irrigation System, Lighting, Private Mailbox, Rain Gutters, 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: Landscaped, Level, Near Golf Course, Sidewalk, Above Flood Plain
      • Residential vegetation: Trees/Landscaped
      Details
      • Parcel number: 042816389280000730
      • Zoning: RPD-7.5
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Ranch,Traditional
      • Property subtype: Single Family Residence
      Materials
      • Block, Stucco
      • 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, 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, Tennis Court(s)
      • 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
      • HOA phone: 727-784-1402
      Location
      • Region: Palm Harbor

      Financial & listing details

      • Price per square foot: $233/sqft
      • Tax assessed value: $391,632
      • Annual tax amount: $2,279
      • Date on market: 9/18/2026
      • Cumulative days on market: 2 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

        $454,200

        $431,000 - $477,000

        $3,191/mo

        Price history

        DateEventPrice
        9/18/2026Listed for sale$469,900+248.1%$233/sqft
        Source: Stellar MLS #TB8549067 Report a problem
        4/16/1997Sold$135,000$67/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,279 +6.6%$170,604 +2.9%
        2024$2,138 +2.5%$165,796 +3%
        2023$2,085 -0.3%$160,967 +3%
        2022$2,090 -0.4%$156,279 +3%
        2021$2,100 +0.6%$151,727 +1.4%
        2020$2,087 +2.2%$149,632 +2.3%
        2019$2,042 $146,268 +1.9%
        2018$2,042 +1.8%$143,541 +2.1%
        2017$2,007 +2.5%$140,589 +2.1%
        2016$1,957 -1.4%$137,697 +0.7%
        2015$1,986 +0.8%$136,740 +0.8%
        2014$1,970 +0.4%$135,655 +1.5%
        2013$1,963 +8.7%$133,650 +1.7%
        2012$1,805 $131,416 -12.4%
        2011-- $149,968 -0.1%
        2010-- $150,134 +2.7%
        2009-- $146,187 +0.1%
        2008$2,021 $146,041 +3%
        2007-- $141,787 -15.4%
        2005-- $167,500 +8.2%
        2004$2,216 +1.9%$154,800 +10.6%
        2003$2,174 +1.2%$140,000 +6%
        2002$2,148 $132,100 +6.8%
        2001$2,148 +5.6%$123,700 +3.4%
        2000$2,034 $119,600
        Find assessor info on the county website

        Monthly payment

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        Payment breakdown

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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

        2 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        34 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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