Property
ActiveResidential
1/56
$479,900

3960 TARPON POINTE CIRCLE

Palm Harbor, FL 34684
3
Beds
2
Baths
1,826
SqFt
0.16
Acres
STELLAR
#TB8523574
Updated: Jun 28, 2026, 4:23pm

Property Description

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!
Included Appliances
DishwasherDisposalDryerElectric Water HeaterMicrowaveRangeRefrigeratorWasher

Property Details

Interior
Additional Rooms
Family RoomFormal Dining Room SeparateInside Utility
Appliances
DishwasherDisposalDryerElectric Water HeaterMicrowaveRangeRefrigeratorWasher
Bathrooms Total Decimal
2
Building Area Total
2891
Cooling
Central Air
Flooring
Luxury VinylTile
Furnished
Unfurnished
Heating
Central
Interior Features
Ceiling Fan(s)Eating Space In KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone CountersVaulted Ceiling(s)Walk-In Closet(s)
Laundry Features
InsideLaundry Room
Living Area
1826
Rooms Total
10
Construction
Architectural Style
RanchTraditional
Building Area Source
Public Records
Building Area Units
Square Feet
Construction Materials
Block
Direction Faces
Northwest
Foundation Details
Slab
Levels
One
Living Area Source
Public Records
Living Area Units
Square Feet
Roof
Shingle
Stories Total
Yes
Year Built
1989
Site & Exterior
Covered Spaces
2
Exterior Features
Irrigation SystemLightingPrivate MailboxSidewalkSliding Doors
Flood Zone Code
X
Garage Spaces
2
I D X Participation
Yes
Lot Features
LevelNear Golf CourseNear MarinaSidewalk
Lot Size Acres
0.16
Lot Size Area
6826
Lot Size Dimensions
65 x 105
Lot Size Square Feet
6826
Lot Size Units
Square Feet
Patio And Porch Features
EnclosedRear Porch
Public Survey Range
16
Public Survey Section
04
Road Frontage Type
Street Paved
Road Responsibility
Public Maintained Road
Road Surface Type
Paved
Sewer
Public Sewer
Total Acreage
0 to less than 1/4
Utilities
Cable AvailableElectricity ConnectedPublicSewer ConnectedSprinkler WellUnderground UtilitiesWater Connected
Water Access
Yes
Water Body Name
LAKE TARPON
Water Extras
Yes
Water Source
Public
Waterfront Features
LakeWaterfront
Zoning
RPD-7.5
Financials
Association Fee
164
Association Fee Frequency
Monthly
Association Fee Includes
Common Area TaxesCommunity PoolEscrow Reserves FundPool MaintenanceRecreational Facilities
Calculated List Price By Calculated Sq Ft
262.81
Contract Status Change Date
2026-06-26
Current Price
479900
Feed Types
BBO
Lease Considered
Yes
Minimum Lease
3 Months
Monthly H O A Amount
164
Owner Name
ELEANOR A TERRANOVA
Ownership
Fee Simple
Parcel Number
042816389280000700
Public Survey Township
28
Tax Annual Amount
2537.46
Tax Block
000
Tax Book Number
99-59
Tax Legal Description
HIGHLAND LAKES UNIT THIRTYFOUR LOT 70
Tax Lot
70
Tax Year
2025
Total Annual Fees
1968
Total Monthly Fees
164

Neighborhood & Lifestyle

Community & Association
Additional Lease Restrictions
55+ community. Please confirm lease restrictions with Highland Lakes HOA.
Association Approval Required
Yes
Association Fee Requirement
Required
Association Name
Highland Lakes HOA member services
Association Phone
(727) 784-1402
Community Features
Community Boat RampDockFishingLakeWater AccessWaterfrontAssociation Recreation - OwnedClubhouseDeed RestrictionsGolf Carts OKGolfPoolSidewalks
Lease Restrictions
Yes
M L S Area Major
34684 - Palm Harbor
Pet Restrictions
Per Pinellas County ordinance.
Pets Allowed
Yes
Senior Community
Yes
Subdivision Name
HIGHLAND LAKES
Listing provided courtesy of STELLAR via IDX. Updated: Jun 28, 2026, 4:23pm.
Amanda Justus

Listing Agent

COLDWELL BANKER REALTY

Call Agent