Single Family Residence at 3554 OAK LAKE DR, PALM HARBOR
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$450,000

3554 OAK LAKE DR
PALM HARBOR, FL 34684
Listed by Dustin Kellenberger · CENTURY 21 BEGGINS
Bedrooms
2
Bathrooms
2
Living area
1,700 sqft
Year built
1987

About this home

Enjoy the Florida lifestyle in Highland Lakes, one of Palm Harbor's most desirable active-adult communities! This 2-bedroom, 2-bath home offers approximately 1,700 square feet of living space and an attached 2-car garage, all within a vibrant community designed for recreation, relaxation, and lasting friendships. Highland Lakes offers an exceptional array of amenities, including unlimited resident golf on three private executive 9-hole courses, a heated swimming pool and spa, tennis, pickleball, bocce and shuffleboard courts, and a spacious clubhouse featuring billiards, a library, arts and crafts, woodworking, entertainment, and social activities. One of the community's most distinctive features is the Lodge on beautiful Lake Tarpon, where residents can enjoy a second heated pool, lakeside gatherings, and scenic rides aboard community pontoon boats. Residents can also enjoy boating opportunities on Lake Tarpon, with community launch facilities and boat storage subject to association rules. Beyond the community, enjoy convenient access to the greater Tampa Bay area's outstanding professional sports, performing arts, and cultural attractions. Cheer on the Tampa Bay Buccaneers, Tampa Bay Lightning, Tampa Bay Rays, or Tampa Bay Rowdies, or take in Broadway touring productions, concerts, ballet, opera, museums, and special events throughout the region. From downtown Tampa's vibrant entertainment district to the arts, waterfront attractions, and dining of St. Petersburg, there are countless opportunities for exciting day trips and memorable evenings out. Conveniently located near Palm Harbor shopping, restaurants, medical facilities, and the beautiful Gulf beaches, Highland Lakes offers the best of both worlds: an active, amenity-rich community and access to everything that makes Tampa Bay such a wonderful place to live. Discover a home where every day offers new opportunities for recreation, connection, and enjoyment!

Property details

MLS
Stellar MLS
MLS #
MFRTB8560647
Property type
Single Family Residence
Subdivision
HIGHLAND LAKES UNIT EIGHTEEN
Status
Active
Days on market
1
On market date
October 22, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.16 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
HIGHLAND LAKES ELEMENTARY SCHOOL
0.58 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
518
Student:teacher ratio
14.0:1
District
PINELLAS
Middle
JOSEPH L. CARWISE MIDDLE SCHOOL
0.7 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,155
Student:teacher ratio
18.0:1
District
PINELLAS
High
PALM HARBOR UNIVERSITY HIGH
2.84 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,480
Student:teacher ratio
22.1:1
District
PINELLAS

Walkability

Blended score for PALM HARBOR's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

38
Car-dependent
out of 100
EPA National Walkability Index
5.3 / 20 -- Least walkable
Google Places amenity density
55 / 100
Restaurants & cafes12
Grocery stores0
Parks1
Schools3
Transit stops0
Pharmacies1

Market position

How this listing compares to current activity in PALM HARBOR, from live MLS data.

On the market 1 days -- 97 fewer days than PALM HARBOR's current average of 98 days.
For reference, the median list price across 781 active listings in PALM HARBOR right now is $329,900.

Mortgage calculator

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Est. monthly payment
$2,860/mo
$90,000 down
$360,000 loan
Principal & interest$2,335
Property tax (est.)$375
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 17 hr ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.