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About this home
2866 Thistle CT N is a 1979-built home in Highland Lakes, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,578 square feet of living space. Listed at $459,900 (about $291/sqft), 32 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $164 monthly.
Attention Investors currently rented! Discover the perfect blend of comfort, style, and community in this beautifully renovated home, nestled in Palm Harbor’s premier 55+ golf community. From the moment you step inside, you’ll notice the thoughtful upgrades: fresh paint, new interior doors, elegant crown molding, and brand-new bathrooms. Luxury vinyl floors flow throughout, while abundant natural light and a rare wood-burning fireplace add warmth and charm. The updated kitchen is a true highlight, featuring granite countertops, self-closing cabinets, and new stainless steel appliances. It opens seamlessly to a cozy sitting area and the oversized Florida Room—perfect for hosting friends or simply enjoying a quiet morning coffee. Your spacious master suite is a private retreat with a den/office, walk-in closet, and spa-style bath with a step-in shower. Say goodbye to popcorn ceilings—this home has been fully modernized with today’s finishes. Major systems have been taken care of so you can move in with confidence: a newer electrical panel, on-demand water heater (2025), HVAC (2020), and a whole-house water filtration system. The roof is protected with Roof Max coating, extending its life and providing peace of mind. Add in a cost-saving deep-water well, and this home is truly turn-key. Highland Lakes is known as Tampa Bay’s best value in 55+ living. Residents enjoy free green fees on three private executive golf courses, plus pickleball, tennis, bocce, shuffleboard, 3 pools and beginner clinics to try something new. The clubhouse buzzes with fitness classes, entertainment, and social events, while the Arts & Crafts Annex features woodworking and creative studios. At Lake Tarpon Lodge, you’ll find a heated pool, fishing pier, picnic areas, and community pontoon boats. Free RV and boat storage, a secure lot, and a private boat ramp make life here even more convenient. This isn’t just a house—it’s a gateway to the lifestyle you’ve earned.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
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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
$459,900
$291 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,578 sq ft
Time on market
32 days
Year built
1979
Monthly payment
About $3,066/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,281 annual tax bill, insurance, and the $164/mo HOA fee.
HOA fee
$164/mo
Managed by Highland Lakes HOA Member Services.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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