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Overview

2 bd2 ba1,332 sqft2 car garageVilla
TypeVilla
HOA$164/mo
Built1982
Lot4,125 sqft
Living area1,332 sqft
Price / sqft$244
Garage2 car

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About this home

Ceiling Fans(s)Open FloorplanWindow TreatmentsPrivate MailboxSidewalkClubhouseGolfRestaurant

3217 McMath Dr is a 1982-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 $324,900 (about $244/sqft), 47 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $164 monthly.

From the listing

Tucked into the tree-lined streets of Highland Lakes, one of Palm Harbor's most beloved 55+ golf communities, this beautifully updated 2-bedroom, 2-bathroom villa is ready for its next owner to simply move in and enjoy. From the moment you step through the glass-inset front door into the vaulted foyer, it's clear this home has been thoughtfully cared for and tastefully refreshed from top to bottom. The open-concept living and dining area is bathed in natural light and finished with wood like tile flooring that flows throughout the entire home. A separate formal dining area, illuminated by a designer chandelier, adds a touch of elegance for holiday gatherings and dinner parties. The kitchen is a true showstopper, featuring crisp white shaker cabinetry, appliances, sleek countertops, all wrapped in a layout that keeps the cook connected to the rest of the home. In the kitchen, a versatile dining nook offers the perfect spot for casual meals. Retreat to the spacious primary suite, complete with a generous closet and a spa-inspired en-suite bathroom boasting a walk-in shower, dual granite vanities, and elegant tile work. The comfortable second bedroom sits near a fully updated guest bathroom, making this layout ideal for visitors, a home office, or a hobby room. Updated include a new hot water tank 2026, Windows 2017, Flooring 2021, Front Door 2018, Kitchen Cabinets 2021, Driveway and Sidewalk 2021, A/C 2025, Back Door 2025 Outside, the home's classic Florida charm continues with crisp white stucco, cedar-toned board-and-batten gable accents, and cheerful green shutters, all framed by mature landscaping, a flowering crape myrtle, and swaying palms. Highland Lakes is one of Pinellas County's premier 55+ communities, offering residents access to a private golf course, community pools, tennis courts, a clubhouse with an active social calendar, and a boat ramp with access to Lake Tarpon — all for remarkably low HOA dues. Enjoy the Florida lifestyle just minutes from Innisbrook Golf Resort, John Chesnut Sr. Park, the Gulf beaches, and easy access to Tampa International Airport. This is Florida living at its most carefree — schedule your private showing today.

The essentials

Built
1982
Price / sqft
$244
On market
47 days
Annual tax
$1,654
HOA
$164/mo
Flood zone
X · Low risk
Lot
4,125 sqft
Type
Villa

At a glance

Villa
Built 1982
2 car garage
Driveway
4,125 sqft lot
Lot size
1,332 sqft
Living area

Payment

Est. monthly payment
$2,158/mo
Down payment (20%)
$64,980
Property taxes
$138/mo
HOA
$164/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1982
Lot
4,125 sqft
Cooling
Central Air
Heating
Electric
Parking
Driveway, Garage Door Opener
Days on Market
47
Ceiling Fans(s)
Open Floorplan
Window Treatments
Private Mailbox
Sidewalk
Clubhouse
Golf
Restaurant
Sidewalks
Cooktop
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,654
Parcel #
05-28-16-38906-000-0980

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
4,125 sqft
Landscaped
HOA
$164/mo
Scarlet Roach

Price history

Date
Event
Price
8/24/2026
Listed for sale
Source: Stellar MLS #TB8541591
$324,900
$244/sqft

Neighborhood

3217 McMath Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $324,900
$320,000 – $324,900
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 47.

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
$2,159/mo
Principal & interest$1,694
Property taxes$138
Insurance$162
HOA$164
Down payment20% · $64,980
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

$324,900

$244 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,332 sq ft

Time on market

47 days

Year built

1982

Monthly payment

About $2,158/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,654 annual tax bill, insurance, and the $164/mo HOA fee.

HOA fee

$164/mo

Managed by Scarlet Roach.

Flood zone

Zone X

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

Offer

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Brokered byREALUXEListing agent: Mandria AcetoListing data from Stellar MLS, MLS# TB8541591.

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