INNOVATE Real Estate
Single Family Residence at 3812 TARPON POINTE CIR, PALM HARBOR
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$475,000

3812 TARPON POINTE CIR
PALM HARBOR, FL 34684
Listed by Jeffrey Borham, PA · EXP REALTY LLC
Bedrooms
3
Bathrooms
2
Living area
2,086 sqft
Year built
1988

About this home

Welcome to this spacious three-bedroom, two-bathroom home in the desirable 55+ community of Highland Lakes in Palm Harbor. Major updates include a 2022 AC system and replacement windows and doors in 2020. Offering 2,086 square feet of living space on a corner lot, this home features a welcoming screened front porch and foyer entry leading into a generously sized living room. The kitchen and dining area provide a comfortable space for everyday living, with stainless steel appliances and stone countertops. The primary bedroom features a walk-in closet and private en-suite bathroom with a dual-sink vanity topped with granite and a walk-in shower. The second bedroom also includes a walk-in closet, while the additional bedroom offers flexibility for guests, hobbies, or a home office. A dedicated laundry room adds everyday convenience, and out back, a deck provides a relaxing spot to enjoy the Florida sunshine or unwind outdoors. Residents of Highland Lakes enjoy an impressive array of amenities, including golf course access, a clubhouse, swimming pool, spa, sports courts, and access to Lake Tarpon for boating and other water activities. The community’s active lifestyle and variety of recreational opportunities make it an appealing place to enjoy Florida living. Conveniently located near Lake Tarpon, the home is also close to a variety of shopping destinations, restaurants, and everyday conveniences throughout Palm Harbor. Schedule your showing today!

Property details

MLS
Stellar MLS
MLS #
MFRTB8560210
Property type
Single Family Residence
Subdivision
HIGHLAND LAKES UNIT THIRTYFOUR
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
0.2 acres

Location

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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
0.39 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
0.92 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
2.97 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

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$3,011/mo
$95,000 down
$380,000 loan
Principal & interest$2,465
Property tax (est.)$396
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 1 days 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.