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Overview

2 bd2 ba1,578 sqft2 car garageSingle Family
TypeSingle Family
HOA$164/mo
Built1979
Lot9,370 sqft
Living area1,578 sqft
Price / sqft$291
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 KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

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.

From the listing

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.

The essentials

Built
1979
Price / sqft
$291
On market
32 days
Annual tax
$3,281
HOA
$164/mo
Flood zone
X · Low risk
Lot
9,370 sqft
Type
Single Family Residence

At a glance

Single family
Built 1979
Community pool
Shared amenity
2 car garage
9,370 sqft lot
Lot size
1,578 sqft
Living area

Payment

Est. monthly payment
$3,066/mo
Down payment (20%)
$91,980
Property taxes
$273/mo
HOA
$164/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1979
Lot
9,370 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
32
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Mailbox
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Deed Restrictions
Golf Carts OK
Golf
Pool
Sidewalks
Special Community Restrictions
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2024)
$3,281
Parcel #
31-27-16-38897-000-0660

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
9,370 sqft
HOA
$164/mo
Highland Lakes HOA Member Services

Price history

Date
Event
Price
9/16/2026
Price change
Source: Stellar MLS #TB8549269
$459,900+19062.5%
$291/sqft
9/16/2026
Listed for sale
Source: Stellar MLS #TB8549269
$2,400
$2/sqft

Neighborhood

2866 Thistle CT N
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $459,900
$452,500 – $459,900
98.4% – 100% of listTops out right at the list price
80% of listList price
75 of the last 148 home closings in 34684 landed at this number or higher (51%). The median one sat 20 days before it went under contract, and this one is on day 32.

Sample: 148 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
$3,066/mo
Principal & interest$2,399
Property taxes$273
Insurance$230
HOA$164
Down payment20% · $91,980
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 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.

Offer

What should I offer?

Have another question?

Brokered byKNOWN REAL ESTATE LLCListing agent: Mickey ArrudaListing data from Stellar MLS, MLS# TB8549269.

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