978 Madrid Dr, photo 1
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Overview

2 bd2 ba1,190 sqft1 car garageVilla
TypeVilla
HOA$275/mo
Built1985
Lot4,687 sqft
Living area1,190 sqft
Price / sqft$286
Garage1 car

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Open house

Sunday, Oct 18 · 1:00 PM to 4:00 PM

About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanSolid Surface CountersSolid Wood CabinetsSplit BedroomWalk-in Closet(s)Window Treatments

978 Madrid Dr is a 1985-built home in Highland Lakes Unit Nineteen Phase 2, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,190 square feet of living space. Listed at $339,950 (about $286/sqft), 5 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $275 monthly.

From the listing

Meticulously maintained Mediterranean style 2 bedroom 2 bath villa with a tile roof, a one car garage, and located on the golf path and adjacent golf tee; a covered open 12 foot breezeway from the pedestrian garage door to front screened porch and into villa front door; extra patio/outside area in front of the garage off breezeway and a generous area in the rear of the villa to enlarge a more spacious patio area. This light, bright and open split bedroom floor plan features separate dining and living rooms, fully equipped updated kitchen with cream cabinets and matching flat surface stove/range, built-in microwave, top freezer and bottom refrigerator, dishwasher and disposal. Speckled cream, taupe and grey corian kitchen counter tops with integrated oversized double sinks. Small eat in kitchen area and small closet pantry. Kitchen has opening to living room and dining rooms on opposite ends of the kitchen. Extra bonus area at the end/rear of the living room that could be utilized as an office. Living room has dry bar with lower cabinet and mirrored shelving from the cabinet top to ceiling; small coat closet just off the living room in hallway. Built in storage cabinet behind pony wall at the far end kitchen/living room opening adjacent to laundry closet for extra storage; rear pedestrian door off bonus area to the backyard patio on the golf path and golf course. Primary bedroom is 14x12 with en-suite featuring double vanity and double sinks plus drawers together with tiled walk-in shower and large walk-in closet with shelving. Second bedroom off front hallway is 12x10 with large walk-in closet; adjacent bath with tiled taupe tub/shower combination and single vanity. Highland Lakes Master Association includes Highland Lakes Clubhouse, Arts and Crafts Annex Building, Highland Lakes Golf Club Building, Clubhouse Pavilion, Cabana Building and The Lake Tarpon Lodge. There are 4 regulation tennis courts with night lighting, a 125,000 gallon Olympic sized pool with heated whirlpool spa; 45,000 gallon pool at the Lake Tarpon Lodge, 8 shuffleboard courts, 2 pontoon touring boats and the boat dock at Lake Tarpon Lodge, 3 nine-hole executive golf courses and bocce ball court. The clubhouse and annex building have card rooms and meeting rooms, arts and crafts studios including a woodworking shop, ceramic studio and sewing studio. You can be as busy or as bored as you desire! There is something for everyone in the active adult 55 plus community at Highland Lakes. The community website is noted below to view all events and facilities. All room sizes are deemed to be approximate. The exterior photos were taken just moments before the torrential rain clouds opened up/our inclement daily weather has delayed the delivery of the interior photos for approximately a week. Call for your private viewing today!

The essentials

Built
1985
Price / sqft
$286
On market
5 days
Annual tax
$5,447
HOA
$275/mo
Flood zone
X · Low risk
Lot
4,687 sqft
Type
Villa

At a glance

Villa
Built 1985
Community pool
Shared amenity
1 car garage
Deeded
4,687 sqft lot
Lot size
1,190 sqft
Living area

Payment

Est. monthly payment
$2,672/mo
Down payment (20%)
$67,990
Property taxes
$454/mo
HOA
$275/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1985
Lot
4,687 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Deeded, Driveway, Garage Door Opener, Ground Level
Days on Market
5
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Walk-in Closet(s)
Window Treatments
Private Mailbox
Rain Gutters
Sidewalk
Association Recreation - Owned
Clubhouse
Deed Restrictions
Golf Carts OK
Golf
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Microwave
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.

Flood Zone X
Annual Tax (2026)
$5,447
Parcel #
05-28-16-38923-000-0170

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 Nineteen Phase 2
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
4,687 sqft
Conservation AreaIn CountyLandscapedOn Golf CourseSidewalkPaved
HOA
$275/mo
Frankly Coastal

Price history

Date
Event
Price
10/10/2026
Listed for sale
Source: Stellar MLS #TB8556069
$339,950
$286/sqft

Neighborhood

978 Madrid Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $339,950
$335,000 – $339,950
98.8% – 100% of listTops out right at the list price
80% of listList price
34 of the last 67 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 5.

Sample: 67 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
$2,672/mo
Principal & interest$1,773
Property taxes$454
Insurance$170
HOA$275
Down payment20% · $67,990
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

$339,950

$286 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,190 sq ft

Time on market

5 days

Year built

1985

Monthly payment

About $2,672/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,447 annual tax bill, insurance, and the $275/mo HOA fee.

HOA fee

$275/mo

Managed by Frankly Coastal.

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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Have another question?

Brokered byRE/MAX REALTEC GROUP INCListing agent: Colleen TuttleListing data from Stellar MLS, MLS# TB8556069.

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