3444 Carmichael St, photo 1
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Overview

2 bd2 ba1,460 sqft2 car garageSingle Family
TypeSingle Family
HOA$164/mo
Built1984
Lot7,048 sqft
Living area1,460 sqft
Price / sqft$294
Garage2 car

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Sunday, Oct 18 · 12:00 PM to 2:00 PM

About this home

Ceiling Fans(s)ThermostatPrivate MailboxDishwasherDryerRangeRefrigeratorWasher

3444 Carmichael St is a 1984-built home in Highland Lakes Unit Fifteen Ph 2 Lot 32, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,460 square feet of living space. Listed at $429,000 (about $294/sqft), 16 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $164 monthly.

From the listing

Welcome to 3444 Carmichael St, where the big-ticket updates are already done and the lifestyle is ready when you are. This home is in Highland Lakes, Palm Harbor's active 55+ golf community, and it pairs thoughtful improvements with the peace of mind of knowing the major items have been handled: roof 2023, water softener 2022, and A/C 2017. The home is located outside both flood and evacuation zones. This home has been pre-inspected. A 2014 addition and remodel expanded and refreshed the home and created additional living space and an open floor plan to enjoy. The kitchen was updated with stone countertops and tile flooring. Refinished ceilings and recessed lighting give the interior a clean, bright feel, and classic 3" wood shutters throughout provide both privacy and easy light control. A walk-in closet provides generous storage. As part of the Highland Lakes master association, you'll enjoy low HOA fees and access to [community amenities: golf, clubhouse, pools, courts, social activities]. The community is close to Palm Harbor shopping, dining, medical services, and Gulf beaches. Schedule your private showing today.

The essentials

Built
1984
Price / sqft
$294
On market
16 days
Annual tax
$1,708
HOA
$164/mo
Flood zone
X · Low risk
Lot
7,048 sqft
Type
Single Family Residence

At a glance

Single family
Built 1984
2 car garage
7,048 sqft lot
Lot size
1,460 sqft
Living area

Payment

Est. monthly payment
$2,758/mo
Down payment (20%)
$85,800
Property taxes
$142/mo
HOA
$164/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1984
Lot
7,048 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
16
Ceiling Fans(s)
Thermostat
Private Mailbox
Dishwasher
Dryer
Range
Refrigerator
Washer
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)
$1,708
Parcel #
05-28-16-38907-000-0320

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 2 Lot 32
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
7,048 sqft
HOA
$164/mo
Scarlet Roach

Price history

Date
Event
Price
10/1/2026
Listed for sale
Source: Stellar MLS #TB8554143
$429,000
$294/sqft

Neighborhood

3444 Carmichael St
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $429,000
$422,500 – $429,000
98.4% – 100% of listTops out right at the list price
80% of listList price
74 of the last 147 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 16.

Sample: 147 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,758/mo
Principal & interest$2,237
Property taxes$142
Insurance$215
HOA$164
Down payment20% · $85,800
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

$429,000

$294 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,460 sq ft

Time on market

16 days

Year built

1984

Monthly payment

About $2,758/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,708 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

What should I offer?

Have another question?

Brokered byCONCI, REALTORSListing agent: Cyndi OlmsteadListing data from Stellar MLS, MLS# TB8554143.

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