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Overview

2 bd2 ba1,264 sqft2 car garageSingle Family
TypeSingle Family
HOA$164/mo
Built1979
Lot9,779 sqft
Living area1,264 sqft
Price / sqft$297
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Wood CabinetsStone CountersHurricane Shutters

102 Stafford Dr is a 1979-built home in Highland Lakes, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,264 square feet of living space. Listed at $375,900 (about $297/sqft), 237 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $164 monthly.

From the listing

Welcome to your beautifully updated 2-bedroom, 2-bath, 2-car garage home with a sunny Florida room, perfectly positioned on a large corner lot in Palm Harbor’s premier 55+ golf community, Highland Lakes! From the moment you arrive, you’re greeted by a screened-in front lanai—ideal for enjoying Florida’s year-round sunshine—and a stunning leaded glass front door set against a freshly painted exterior. Inside, the home is light, bright, and open with updated windows that fill the space with natural light. The heart of the home is the beautifully renovated kitchen, showcasing granite countertops, solid wood soft-close cabinetry with pull-out drawers, a stylish glass tile backsplash, newer sleek stainless appliances, recessed lighting, and a convenient pass-through to the Florida room for effortless entertaining. Wood-look tile flooring flows seamlessly into the dining nook, creating the perfect space for everyday gatherings. Just beyond, the spacious Florida room is drenched in sunshine through wall-to-wall windows and features modern tile flooring, making it an inviting retreat for relaxing or hosting guests. The thoughtfully designed layout offers privacy and convenience, with a tastefully updated guest bathroom featuring a walk-in shower with glass door, granite-topped vanity, and updated lighting. The second updated hall bath with a tub/shower combo is ideally situated between both bedrooms and the main living area. Step outside to your private back patio—perfectly sized for outdoor furniture and a grill—surrounded by lush landscaping for added tranquility. Furniture is negotiable, making this home truly turn-key and move-in ready! Rest easy knowing this property sits high and dry above the flood plain in a non-evacuation zone. Major updates include an electrical panel (2019), 3-ton HVAC (2017), dual-pane windows with hurricane shutters, and more. Residents of Highland Lakes enjoy an exceptional country club lifestyle with a remarkably low HOA fee of just $164/month, including unlimited and FREE golf on three private executive courses, tennis, pickleball, bocce, and shuffleboard courts, plus a vibrant clubhouse offering entertainment, fitness classes, and social events. The lakeside lodge on Lake Tarpon features a private boat ramp, fishing pier, and community pontoon boats. Additional amenities include free RV and boat storage and a golf cart-friendly community design. Ideally located near world-class Gulf beaches, upscale dining and shopping, top-rated healthcare, major sports venues, two international airports, and a cruise port, this exceptional property offers the perfect blend of elegance, comfort, and active Florida living. Don’t miss this rare opportunity—schedule your private showing today!

The essentials

Built
1979
Price / sqft
$297
On market
237 days
Annual tax
$5,884
HOA
$164/mo
Flood zone
X · Low risk
Lot
9,779 sqft
Type
Single Family Residence

At a glance

Single family
Built 1979
Community pool
Shared amenity
2 car garage
Driveway
9,779 sqft lot
Lot size
1,264 sqft
Living area

Payment

Est. monthly payment
$2,802/mo
Down payment (20%)
$75,180
Property taxes
$490/mo
HOA
$164/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1979
Lot
9,779 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Golf Cart Parking, Oversized
Days on Market
237
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Hurricane Shutters
Lighting
Private Mailbox
Rain Gutters
Sidewalk
Association Recreation - Owned
Clubhouse
Deed Restrictions
Golf Carts OK
Golf
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$5,884
Parcel #
06-28-16-38894-000-1610

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Highland Lakes
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
9,779 sqft
Corner LotLandscapedLevelNear Golf CourseOversized LotSidewalkPaved
HOA
$164/mo
Highland Lakes HOA

Price history

Date
Event
Price
8/20/2026
Price change
Source: Stellar MLS #TB8478206
$375,900-1.1%
$297/sqft
2/16/2026
Listed for sale
Source: Stellar MLS #TB8478206
$379,900
$301/sqft

Neighborhood

102 Stafford Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $375,900
$370,000 – $375,900
98.4% – 100% of listTops out right at the list price
80% of listList price
71 of the last 140 home closings in 34684 landed at this number or higher (51%). The median one sat 19 days before it went under contract, and this one is on day 237 after a $4,000 cut.

Sample: 140 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,803/mo
Principal & interest$1,960
Property taxes$490
Insurance$188
HOA$164
Down payment20% · $75,180
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$375,900

$297 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,264 sq ft

Time on market

237 days

Year built

1979

Monthly payment

About $2,802/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,884 annual tax bill, insurance, and the $164/mo HOA fee.

HOA fee

$164/mo

Managed by Highland Lakes HOA.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byCOLDWELL BANKER REALTYListing agent: Amanda JustusListing data from Stellar MLS, MLS# TB8478206.

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