$650,000
Est. $3,342/mo principal and interest at 6.66% with 20% down
3 bd · 2 ba · 2,154 sqft · Single Family Residence
Active
About this home
Welcome to this beautifully updated home in Highland Lakes, Palm Harbor’s premier 55+ community, ideally situated on a large corner lot. Featuring a desirable split-bedroom floor plan, this home has been extensively updated over the past year, making it truly move-in ready. Major improvements include a new roof (2025), new HVAC system (2025) with a 5-year maintenance plan, new water heater and whole-house water filtration system (2025), new gutters, and replacement windows, some of which are hurricane rated. The interior has been refreshed from top to bottom with popcorn ceilings removed and retextured, new ceiling vents, updated electrical switches and outlets, new door hardware, and fresh interior paint throughout. The kitchen was completely remodeled in 2026 with new cabinetry, quartz countertops, backsplash, sink, garbage disposal, recessed lighting, and microwave. A newer refrigerator and range complete the space. Both bathrooms have also been updated, including a completely renovated guest bath with new tile, shower, shower door, vanity, lighting, fixtures, and flooring. The primary bath features a new shower, shower door, and toilet. Additional updates continue throughout the home. The laundry room features a newer washer and dryer, flooring, utility sink, backsplash, and lighting. The garage offers an insulated new garage door, upgraded garage floor, overhead and additional storage shelving, attic steps, updated entry and service doors, and ceiling improvements. The enclosed lanai provides additional comfortable living space and has been extensively improved with a raised floor, new insulated drywall ceiling, mini-split HVAC system, window treatments, lighting, ceiling fan, and new exterior door. Outside, you'll find updated landscaping, a paver patio, irrigation for the landscaping, exterior landscape lighting in the front, and a freshly painted front porch, creating an inviting and well-maintained outdoor setting. Highland Lakes offers an impressive selection of amenities designed for an active and social lifestyle. Residents enjoy complimentary golf on three private executive courses, along with RV and boat storage. Tennis and pickleball, fitness classes, clubs, games, and activities provide something for nearly every interest. The main clubhouse and Lake Lodge host a variety of social events and entertainment, while the Arts & Crafts building offers a woodshop, art studios, and classes. All of this is just minutes from Gulf beaches, shopping, dining, professional sports, two international airports, and medical services. Located above the flood plain and in a non-evacuation zone, Highland Lakes combines a convenient Palm Harbor location with an active, amenity-filled lifestyle. With extensive updates already completed, this move-in-ready home allows you to spend less time on projects and more time enjoying everything Highland Lakes has to offer.
Monthly costs
- HOA
- $165/mo
- Includes
- Common Area Taxes, Community Pool, Escrow Reserves Fund, Manager, Recreational Facilities
- Est. monthly fees
- $165/mo
Scarlet Roach
Estimated total including HOA and other monthly association fees
Key facts
- Type
- Single Family Residence
- Size
- 2,154 sqft
- Bedrooms
- 3
- Bathrooms
- 2
- Avg. price per sqft
- $302
- Year built
- 1987
- Lot size
- 0.24 acres
- Parking
- 2-car garage
- HOA
- $165/mo
- Annual taxes
- $5,251
- Flood zone
- X
- Heating
- Central
- Cooling
- Central Air
- Pets
- Cats OK, Dogs OK
- Community
- 55+
- Furnished
- Unfurnished
- Subdivision
- HIGHLAND LAKES UNIT EIGHTEEN
- Financing
- Cash, Conventional, VA Loan
- Stories
- 1
- Levels
- One
- County
- Pinellas
- MLS number
- TB8543377
- Status
- Active
- Property address
- 3558 Oak Lake Dr, Palm Harbor, FL 34684
Features and extras
- Dishwasher
- Disposal
- Dryer
- Electric Water Heater
- Microwave
- Range
- Refrigerator
- Washer
- Water Softener
- Ceiling Fan(s)
- Living Room/Dining Room Combo
- Split Bedroom
- Walk-In Closet(s)
- Irrigation System
- Lighting
- Community Boat Ramp
- Dock
- Fishing
- Lake
- Private Boat Ramp
- Water Access
- Association Recreation - Owned
- Clubhouse
- Deed Restrictions
- Golf Carts OK
- Golf
- Tennis Court(s)
- Driveway
- Inside
- Laundry Room
- Luxury Vinyl
Property details
Interior
- Ceiling Fan(s)
- Living Room/Dining Room Combo
- Split Bedroom
- Walk-In Closet(s)
- Dishwasher
- Disposal
- Dryer
- Electric Water Heater
- Microwave
- Range
- Refrigerator
- Washer
- Water Softener
- Luxury Vinyl
- Inside
- Laundry Room
Exterior
- Irrigation System
- Lighting
- Driveway
- Block
- Stucco
Community
- Community Boat Ramp
- Dock
- Fishing
- Lake
- Private Boat Ramp
- Water Access
- Association Recreation - Owned
- Clubhouse
- Deed Restrictions
- Golf Carts OK
- Golf
- Tennis Court(s)
Schools
- District
- Pinellas County School District
- Elementary
- SUTHERLAND ELEMENTARY SCHOOL
- Middle
- JOSEPH L. CARWISE MIDDLE SCHOOL
- High
- HIGHLAND LAKES ELEMENTARY SCHOOL
School grades from FLDOE public records. District polygons and school points from NCES EDGE. Assignment is not a legal attendance guarantee. Composite scores, when present, are derived from public records and are not official FLDOE grades.
Where is this home?
Listed by
Julie Kelsey · COLDWELL BANKER REALTY
Listings courtesy of Stellar MLS
Common questions
How much is 3558 Oak Lake Dr, Palm Harbor, FL 34684 listed for?
3558 Oak Lake Dr, Palm Harbor, FL 34684 in Palm Harbor, FL is listed at $650,000 (about $3,342/mo principal and interest at 6.66% with 20% down).
How many bedrooms and bathrooms does 3558 Oak Lake Dr, Palm Harbor, FL 34684 have?
3558 Oak Lake Dr, Palm Harbor, FL 34684 has 3 bedrooms, 2 bathrooms, and 2,154 square feet.
Who can show 3558 Oak Lake Dr, Palm Harbor, FL 34684 in Palm Harbor?
Jonathan Loescher is a Tampa Bay Realtor and Loan Originator. He can tour this home, compare nearby listings, and work the financing with you.
What is Zone X vs AE after recent storms?
Zone X is generally lower flood risk. AE is a special flood hazard area that often needs flood insurance. Filters on this site can prefer low-risk flood zones. Confirm the current FEMA map and an insurance quote before you write.
How does the Florida buyer-broker agreement work after NAR?
Compensation is negotiated in writing. It is not automatic that the seller pays. Jonathan will explain the agreement before you tour. Do not assume buyers pay nothing.