640 HIGHLANDS LAKE DRIVE, LAKE PLACID, FL, 33852
Active17 days on marketListed Sep 3, 2026MLS #A4704803
About this home
640 HIGHLANDS LAKE DRIVE
Fishing, boating, and nature enthusiasts get ready for your next home! Welcome to 640 Highlands Lake Drive, a charming 3-bedroom, 2 full bath home offering peaceful Florida living in beautiful Lake Placid. Lovingly maintained by its original owner, this home presents a wonderful opportunity for those seeking comfort, privacy, and a connection to nature. Step into the large Primary Suite with beautiful en-suite bathroom. Love to entertain? The split floor plan gives perfect space for 2 guest bedrooms with privacy on other side of the house. Have a hobby that could use space? You will love the custom storage in guest bedroom #2, that will allow for workspace, shelving, AND space for a guest bed! Large kitchen that opens up into open concept dining room and living room provides an open space to entertain. Bring the boat and toys - with a large driveway and 2 car garage, you have plenty of space to use as needed. Enjoy the serene setting with a beautiful natural view from the fully fenced backyard - perfect for relaxing, entertaining, gardening, or enjoying the Florida sunshine. Located near the lake, this home offers easy access to the outdoor lifestyle Lake Placid is known for. With conveniently located public boat ramps one street away, this is the perfect location for lake life activities. Whether you are looking for a full-time residence, or a seasonal retreat, this well-loved home is ready for its next chapter. Come experience the tranquility and charm of Highlands Lake Drive!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,770
Sqft
0.26 ac
Lot size
2
Garage
2007
Year built
One
Levels
$169
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,149 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,149/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs HIGHLANDS PARK ESTATE
$169 vs $218
Days on market
17 vs 57 typical
Where $169/sqft sits among the 8 homes for sale in HIGHLANDS PARK ESTATE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lake Placid
Get to know Lake Placid. See the full Lake Placid guide →
LAKE PLACID 33852 — neighborhood snapshot
Population
21,630
Median age
54.8
Median income
$54,841
Median home value
$205,800
Avg household
2.16
Households w/ children
1,979
For the school run
Highlands County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Placid market
$315K → $335K
Lake Placid median sold, yr/yr
95.2%
Sale-to-list ratio (12 mo)
6 of 8
HIGHLANDS PARK ESTATE have cut their price
Median sold price, Lake Placid, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1893% above the LAKE PLACID 33852 median. See the full Lake Placid market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 HIGHLANDS LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$224,900
1427 CROSSVIEW STREET · same community
4 bd · 2 ba · 1,548 sqft · $145/sqft · 35 DOM
Sold · May ’26$240,000
1019 DEARING STREET · same community
4 bd · 2 ba · 2,040 sqft · $118/sqft · 8 DOM
Sold · Dec ’25$200,000
144 HIGHLANDS LAKE DRIVE · same community
2 bd · 2.5 ba · 1,344 sqft · $149/sqft · 75 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 640 HIGHLANDS LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 HIGHLANDS LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
640 HIGHLANDS LAKE DRIVE FAQs
What would the monthly payment be for 640 HIGHLANDS LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,149/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 640 HIGHLANDS LAKE DRIVE?+
The most recent tax bill on record (2025) was $1,162. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 640 HIGHLANDS LAKE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake Placid?+
At $299,000, this home is listed about 9% above the Lake Placid median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 640 HIGHLANDS LAKE DRIVE?+
Lake Placid Middle School (middle), Lake Placid High School (high), Lake Placid Elementary School (elementary) — Highlands County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN LIFE REALTY · Samantha McGuire. MLS #A4704803.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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