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Overview

3 bd2 ba1,732 sqft2 car garageSingle Family
TypeSingle Family
HOA$164/mo
Built1983
Lot7,658 sqft
Living area1,732 sqft
Price / sqft$259
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanSolid Wood CabinetsStone CountersThermostatVaulted Ceiling(s)

999 Gillespie Dr is a 1983-built home in Highland Lakes Unit Fifteen Ph 1, Palm Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,732 square feet of living space. Listed at $449,000 (about $259/sqft), 128 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $164 monthly.

From the listing

Virtually Staged. PRICE REDUCED — Charming brick home in Highland Lakes (55+) with LOW HOA. This 3-bed, 2-bath residence offers 1,732 sq ft of bright, open living with vaulted ceilings and flexible expanded space that enhances flow and functionality. The kitchen features solid maple cabinets, granite countertops, pantry storage, and an easy entertaining layout; both baths are updated with granite vanities. Major systems updated: hurricane-impact windows, 2023 A/C, 2022 water heater, and 200-amp electric. Enjoy rare backyard privacy with mature landscaping, a paver patio, and a motorized awning — plus an enclosed A/C lanai for extra living space. Additional highlights: 2-car garage with attic access and storage, irrigation well, security system, ceiling fans throughout, and all appliances included. Highland Lakes amenities: three golf courses, tennis and pickleball, heated Olympic pool, clubhouse and fitness programs, lake access, boat/RV storage, and an active social calendar. Great updates, awesome layout, desirable location — ready to move in.

The essentials

Built
1983
Price / sqft
$259
On market
128 days
Annual tax
$6,872
HOA
$164/mo
Flood zone
X · Low risk
Lot
7,658 sqft
Type
Single Family Residence

At a glance

Single family
Built 1983
Community pool
Shared amenity
2 car garage
7,658 sqft lot
Lot size
1,732 sqft
Living area

Payment

Est. monthly payment
$3,303/mo
Down payment (20%)
$89,800
Property taxes
$573/mo
HOA
$164/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1983
Lot
7,658 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
128
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Solid Wood Cabinets
Stone Counters
Thermostat
Vaulted Ceiling(s)
Awning(s)
Buyer Approval Required
Clubhouse
Golf Carts OK
Golf
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,872
Parcel #
05-28-16-38908-000-0450

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 Unit Fifteen Ph 1
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
7,658 sqft
HOA
$164/mo
Highland Lakes HOA

Price history

Date
Event
Price
8/17/2026
Price change
Source: Stellar MLS #TB8516714
$449,000-3.2%
$259/sqft
-
Price change
Source: Stellar MLS #TB8516714
$464,000-1.1%
$268/sqft
6/8/2026
Listed for sale
Source: Stellar MLS #TB8516714
$469,000
$271/sqft

Neighborhood

999 Gillespie Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $449,000
$442,500 – $449,000
98.4% – 100% of listTops out right at the list price
80% of listList price
71 of the last 141 home closings in 34684 landed at this number or higher (50%). The median one sat 19 days before it went under contract, and this one is on day 128 after a $20,000 cut.

Sample: 141 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,303/mo
Principal & interest$2,342
Property taxes$573
Insurance$225
HOA$164
Down payment20% · $89,800
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

$449,000

$259 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,732 sq ft

Time on market

128 days

Year built

1983

Monthly payment

About $3,303/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,872 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 byCHARLES RUTENBERG REALTY INCListing agent: Diane ThompsonListing data from Stellar MLS, MLS# TB8516714.

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