3280 McMath Dr, Palm Harbor, FL, 34684
About This Home
One or more photo(s) has been virtually staged. LOW MAINTENANCE 55+ paired VILLA located in Duplex Village II within the highly desirable Highland Lakes community with access to Lake Tarpon. This 2 bedroom, 2 bathroom home features an open-concept layout with high vaulted ceilings and excellent use of space. NEEDS TLC but the expensive big-ticket items are already done, including a BRAND NEW ROOF in 2025, NEW AC in 2024, water heater replaced in 2021, and an UPGRADED electrical panel, providing peace of mind and long-term value. With solid bones throughout, the interior offers a great opportunity to add your own cosmetic touches and build instant equity. Monthly HOA DUES INCLUDE: Spectrum cable and internet, trash and recycling, lawn mowing, irrigation maintenance, well treatment, and pest control, making day-to-day living truly low maintenance. Highland Lakes residents also enjoy access to a host of other community amenities including unlimited golf on three private executive courses, tennis, pickleball, bocce, shuffleboard, an active clubhouse with fitness classes and social events, and a lakeside lodge on Lake Tarpon featuring a private boat ramp, fishing pier, and community pontoon boats. Additional perks include free RV and boat storage plus this is a golf cart-friendly neighborhood! Situated near beautiful beaches, shopping, dining, medical facilities, sports venues, and the airport. The community is pet friendly, allowing one dog or cat not to exceed 25 lbs at maturity. A smart opportunity to get into a well-established 55+ community with major improvements already completed and the flexibility to make it your own.
Getting Around
Car-Dependent
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1983
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Block,Stucco,Wood Siding
Type & Style
- Home type: SingleFamily
- Property subType: Villa
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
- Laundry features: In Garage
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Cathedral Ceiling(s),Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Split Bedroom,Thermostat
- Door features: Sliding Doors
- Window features: Blinds
- Flooring: Laminate
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,332
- Total interior livable area: 1,332 sqft
Kitchen
- Level: First
- Area: 154
- Dimensions: 14x11
Living Room
- Level: First
- Area: 308
- Dimensions: 22x14
Primary Bedroom
- Features: Built-in Closet
- Level: First
- Area: 312
- Dimensions: 26x12
Property
Details
- Parcel number: 052816389060000640
- Attached to another structure: Yes
- Zoning: RPD-7.5
- Special condition: None
Features
- Levels: One
- Stories: 1
- Exterior features: Sidewalk
- Waterfront features: Lake Privileges
- Waterbody name: LAKE TARPON
Lot
- Lot size: 4,029 sqft
Parking
- Total spaces: 2
- Parking features: Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Cold Wave
- Hurricane
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pinellas County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,238 | $14,856 |
| Home Insurance * | $271 | $3,252 |
| Property Taxes | $407 | $4,884 |
| Electricity | $197 | $2,366 |
| Total | $2,113 | $25,356 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-13 | Pending sale | $270,000 |
| 2026-02-23 | Price change | $270,000 |
| 2026-01-16 | Listed for sale | $280,000 |
| 2012-10-22 | Sold | $109,000 |
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