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Overview

2 bd2 ba1,332 sqft1 car garageVilla
TypeVilla
HOA$172/mo
Built1984
Lot3,986 sqft
Living area1,332 sqft
Price / sqft$278
Garage1 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsSolid Wood CabinetsSplit BedroomStone CountersVaulted Ceiling(s)Sidewalk

3253 McMath Dr is a 1984-built home in Highland Lakes, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,332 square feet of living space. Listed at $369,900 (about $278/sqft), 51 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $172 monthly.

From the listing

Beautiful Villa in a Prime Highland Lakes Location! Don’t miss this well-maintained and thoughtfully updated 2-bedroom, 2-bath villa in one of Highland Lakes’ most desirable locations. This inviting home showcases elevated ceilings, a highly sought-after floor plan, and a spacious layout designed for comfortable Florida living. The two generously sized bedrooms feature excellent flexibility for guests, a home office, or a private retreat. The oversized garage provides abundant space for your vehicle, storage, golf cart, bicycles, tools, and everything that comes with the Florida lifestyle. The updated kitchen includes beautiful wood cabinetry, granite countertops, and an excellent appliance package. The spacious living room features plenty of room to relax or entertain, and both bathrooms have been tastefully updated with a clean, contemporary style. The additional Florida room is a great feature—perfect for entertaining, hobbies, reading, crafting, home office, or simply enjoying the natural light and peaceful surroundings. Additional features include updated impact-rated insulated windows, updated textured ceilings (no popcorn), a 2018-dimensional shingle roof, whole house water filtration system, updated electrical panel with a separate generator transfer station panel. A wonderful solar tube skylight that adds natural light into the main living area and more!!!Property is in a no flood zone and a non-evacuation zone for peace of mind. Highland Lakes is a premier 55+ community showcasing an exceptional Florida lifestyle with unlimited free golf green fees on three 9-hole executive courses, a beautiful clubhouse, two swimming pools, tennis, pickleball, bocce ball, numerous clubs and activities, and countless opportunities to meet and socialize with neighbors. Residents also enjoy access to 2,600-acre Lake Tarpon through the community’s private boat ramp and nearby dock. Volunteer boat captains are available to take residents out on the lake, making it easy to enjoy boating and the natural beauty of one of the area’s most desirable recreational destinations. The Lake Tarpon Lodge features additional amenities, including a second pool and spa, along with convenient onsite nearby RV and boat storage. Conveniently located near Tampa, two major Airports, Gulf beaches, parks, shopping, dining, and entertainment, this villa showcases spacious living, meaningful updates, and an exceptional Florida lifestyle. If you’ve been waiting for the right villa in Highland Lakes, this one is worth seeing.

The essentials

Built
1984
Price / sqft
$278
On market
51 days
Annual tax
$1,539
HOA
$172/mo
Flood zone
X · Low risk
Lot
3,986 sqft
Type
Villa

At a glance

Villa
Built 1984
Community pool
Shared amenity
1 car garage
Garage Door Opener
3,986 sqft lot
Lot size
1,332 sqft
Living area

Payment

Est. monthly payment
$2,414/mo
Down payment (20%)
$73,980
Property taxes
$128/mo
HOA
$172/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1984
Lot
3,986 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Golf Cart Garage, Oversized
Days on Market
51
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Solid Wood Cabinets
Split Bedroom
Stone Counters
Vaulted Ceiling(s)
Sidewalk
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Golf Carts OK
Golf
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Microwave
Range
Refrigerator
Tankless Water Heater
Water Filtration System
Elementary
Highland Lakes Elementary-PN
Middle
Carwise Middle-PN
High
Palm Harbor Univ High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,539
Parcel #
05-28-16-38906-000-1000

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
3,986 sqft
HOA
$172/mo
CHERYL ADAMS

Price history

Date
Event
Price
8/27/2026
Price change
Source: Stellar MLS #TB8539673
$369,900-1.3%
$278/sqft
8/20/2026
Listed for sale
Source: Stellar MLS #TB8539673
$374,900
$281/sqft

Neighborhood

3253 McMath Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $369,900
$365,000 – $369,900
98.8% – 100% of listTops out right at the list price
80% of listList price
33 of the last 65 townhouse or villa closings in 34684 landed at this number or higher (51%). The median one sat 34 days before it went under contract, and this one is on day 51 after a $5,000 cut.

Sample: 65 closed townhouse or villa sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,414/mo
Principal & interest$1,929
Property taxes$128
Insurance$185
HOA$172
Down payment20% · $73,980
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 is the fee 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

$369,900

$278 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,332 sq ft

Time on market

51 days

Year built

1984

Monthly payment

About $2,414/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,539 annual tax bill, insurance, and the $172/mo HOA fee.

HOA fee

$172/mo

Managed by CHERYL ADAMS.

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?

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Brokered bySELECT PROPERTIES INCListing agent: Frank AcerraListing data from Stellar MLS, MLS# TB8539673.

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