Welcome home~ - 3972 TARPON POINTE CIR, PALM HARBOR
BRAND NEW 2026 ROOF & conveniently just steps to the Lake Tarpon Lodge~ - 3972 TARPON POINTE CIR, PALM HARBOR
Welcoming double door entry~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Front screened lanai to enjoy your morning coffee~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
You'll love this spacious & split floor plan~ - 3972 TARPON POINTE CIR, PALM HARBOR
BRAND NEW luxury vinyl plank flooring flows seamlessly throughout the entire home~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Freshly painted interior including ceilings, doors, trim, walls, & baseboards~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Skylight and open living spaces~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
2 bedrooms off the main living, & the 3rd bedroom privately located on the opposite side of the home~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Spacious primary retreat big enough for a king~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Both a walk-in closet & additional built-in closet with an en-suite~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Abundant closet space between the primary bedroom & en-suite~ - 3972 TARPON POINTE CIR, PALM HARBOR
Huge primary walk-in closet~ - 3972 TARPON POINTE CIR, PALM HARBOR
En-suite bath located between the primary & additional bedroom~ - 3972 TARPON POINTE CIR, PALM HARBOR
Convenient walk-in shower~ - 3972 TARPON POINTE CIR, PALM HARBOR
Additional bedroom offers a spacious walk-in closet & bath access~ (virutally staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Light & bright with endless possibilities~ (virutally staged) - 3972 TARPON POINTE CIR, PALM HARBOR
2nd bedrooms massive walk-in closet~ - 3972 TARPON POINTE CIR, PALM HARBOR
Formal dining perfectly tucked between the kitchen & main living~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Spacious kitchen with granite countertops & abundant cabinets~ - 3972 TARPON POINTE CIR, PALM HARBOR
All matching white appliances plus an eat-in kitchen nook for casual dining~ (virutally staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Heart of the home~ - 3972 TARPON POINTE CIR, PALM HARBOR
Abundant countertop space for food prep~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Convenient built-in desk off the kitchen & breakfast nook for easy living~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
You'll love the light & bright spaces throughout the home~ (virutally staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Open & airy~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Additional living room space with oversized hurricane-impact windows allowing natural light to flood the spaces~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Rear door to the backyard for additional living space~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Both a living & family room offer the perfect space for easy entertainment~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
The 3rd bedroom is privately located on the opposite side of the home conveniently located next to the hall bath~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Oversized built-in closet and spacious making the perfect guest suite, office, or craft room~ (virtually staged) - 3972 TARPON POINTE CIR, PALM HARBOR
Hall bath with an oversized vanity & tub/shower combo~ - 3972 TARPON POINTE CIR, PALM HARBOR
Huge laundry room with an oversized storage closet, utility sink, cabinetry, and an additional refrigerator~ - 3972 TARPON POINTE CIR, PALM HARBOR
2-car garage big enough for your car, golf cart, and all your toys~ - 3972 TARPON POINTE CIR, PALM HARBOR
Floor plan review~ - 3972 TARPON POINTE CIR, PALM HARBOR
Green backyard space & room for a outdoor patio~ - 3972 TARPON POINTE CIR, PALM HARBOR
BRAND new roof and rain gutters~ - 3972 TARPON POINTE CIR, PALM HARBOR
Beautiful twilight~ - 3972 TARPON POINTE CIR, PALM HARBOR
Just a few steps to Lake Tarpon but still located in a NON-flood zone~ - 3972 TARPON POINTE CIR, PALM HARBOR
Highland Lakes offers something for everyone~ - 3972 TARPON POINTE CIR, PALM HARBOR
Highland Lakes offers something for everyone~ - 3972 TARPON POINTE CIR, PALM HARBOR
Beautifully maintained facilities & amenities~ - 3972 TARPON POINTE CIR, PALM HARBOR
A full calendar of entertainment & social events~ - 3972 TARPON POINTE CIR, PALM HARBOR
Main clubhouse pool is heated & cooled for year-round use~ - 3972 TARPON POINTE CIR, PALM HARBOR
The Ahh Spa is big enough for a party~ - 3972 TARPON POINTE CIR, PALM HARBOR
Tennis & Pickleball leagues with beginner clinics~ - 3972 TARPON POINTE CIR, PALM HARBOR
Shuffleboard, bowling, & bocce ball leagues too~ - 3972 TARPON POINTE CIR, PALM HARBOR
Arts & Crafts Annex with classes, studios, & a woodshop~ - 3972 TARPON POINTE CIR, PALM HARBOR
Free golf for two is just one of HL's amazing amenities~ - 3972 TARPON POINTE CIR, PALM HARBOR
3 private 9-hole executive courses to choose from~ - 3972 TARPON POINTE CIR, PALM HARBOR
Professionally maintained courses consistently receive high ratings~ - 3972 TARPON POINTE CIR, PALM HARBOR
Over 2,400 homes make up Highland Lakes on Lake Tarpon~ - 3972 TARPON POINTE CIR, PALM HARBOR
The Lake Tarpon Lodge offers a 2nd heated pool, party, & picnic facilities, & a fishing pier at the lodge~ - 3972 TARPON POINTE CIR, PALM HARBOR
Community pontoon boats for tours of Lake Tarpon with a stop at a lakefront restaurant for lunch~ - 3972 TARPON POINTE CIR, PALM HARBOR
The RV lot & boat ramp are connected to the Lake Tarpon Lodge by an open dock & fishing pier~ - 3972 TARPON POINTE CIR, PALM HARBOR
55 photos

$469,900

3972 TARPON POINTE CIR
PALM HARBOR, FL 34684
Listed by Amanda Justus · COLDWELL BANKER REALTY
Bedrooms
3
Bathrooms
2
Living area
2,014 sqft
Year built
1989

About this home

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!

Property details

MLS #
MFRTB8549067
Property type
Single Family Residence
Subdivision
HIGHLAND LAKES
Status
Active
Days on market
2
On market date
September 18, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
2
Parking spaces
N/A
Lot size
0.16 acres
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Walkability

Blended score for PALM HARBOR's center: EPA's National Walkability Index (street network, transit, land-use mix) combined with nearby-amenity density. 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
Nearby-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 2 days -- 100 fewer days than PALM HARBOR's current average of 102 days.
For reference, the median list price across 692 active listings in PALM HARBOR right now is $299,900.

Mortgage calculator

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

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Est. monthly payment
$2,980/mo
$93,980 down
$375,920 loan
Principal & interest$2,438
Property tax (est.)$392
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 4 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.