About This Home

This 3-bedroom, 2-bathroom single family at 3972 TARPON POINTE Circle in Palm Harbor, FL is listed for $469,900 ($233 per sqft). Built in 1989, the home offers 2,014 sqft of living space on a 0.16 acres lot.

Key Features

  • Built in 1989
  • 0.16 acre lot

Property Details

1 story
2 full
2-car garage
1989

Amenities

A/C
Listing Description

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!

Monthly Cost Estimate

$2,513/mo

20% down · 6.5% · 30 years

Principal$340
Interest$2,036
Insurance$137

Estimates only. Actual payments may vary.

Location

3972 TARPON POINTE Circle

Palm Harbor, FL 34684

HIGHLAND LAKES

Features & Amenities

Interior Features

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone CountersThermostatWalk-In Closet(s)

Exterior Features

LightingPrivate MailboxRain GuttersSidewalk

Property Details

Flooring

Vinyl

Construction

Block Stucco

Outdoor Features

Porch

Parking

DrivewayOpenGolf Cart

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalDryerElectric Water HeaterMicrowaveRangeRefrigeratorWasher

Questions & Answers

This 3-bedroom, 2-bathroom single family at 3972 TARPON POINTE Circle is listed at $469,900 ($233/sqft). The estimated monthly payment is $2,513 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1989, 0.16 acre lot. Interior Features: Ceiling Fans(s), Eat-in Kitchen, Living Room/Dining Room Combo. Exterior Features: Lighting, Private Mailbox, Rain Gutters.

This property is listed by Amanda Justus and can be reached at 7273304478.

AJ

Amanda Justus

Agent at Coldwell Banker

(727) 330-4478

Listed by Coldwell Banker · Broker phone: (813) 754-3586 · View on Broker Site

MLS# TB8549067· Source: Stellar MLS· 5 days on PropertySimple

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

3972 TARPON POINTE Circle, Palm Harbor, FL 34684

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