3280 MCMATH DRIVE, PALM HARBOR, FL, 34684
Active190 days on marketListed Jan 16, 2026MLS #TB8464907
About this home
3280 MCMATH DRIVE
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. PRICED 100k BELOW two recent comparable sales in the community- this pricing reflects the need for cosmetic improvements such as window, flooring, cabinetry and interior finishes. 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 customize to your taste and preferences 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.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,332
Sqft
0.09 ac
Lot size
2
Garage
1983
Year built
One
Levels
$184
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 and the real association fee — not generic estimates.
$2,285 /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
$2,285/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.
vs edgeAI estimate
−20.8%
$/sqft vs HIGHLAND LAKES
$184 vs $263
Days on market
190 vs 42 typical
Where $184/sqft sits among the 24 homes for sale in HIGHLAND LAKES
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 Highland Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Highland Lakes — neighborhood snapshot
Population
5,270
Median age
69
Median income
$65,822
Median home value
$287,444
Avg household
2
Households w/ children
226
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
11 of 24
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3280 MCMATH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$275,000
3201 MCMATH DRIVE · same community
2 bd · 2 ba · 1,332 sqft · $206/sqft · 9 DOM
Sold · Feb ’26$365,000
3273 MCMATH DRIVE · same community
2 bd · 2 ba · 1,332 sqft · $274/sqft · 60 DOM
Sold · Jul ’26$375,000
2968 MACALPIN DRIVE N · same community
2 bd · 2 ba · 1,330 sqft · $282/sqft · 112 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 3280 MCMATH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3280 MCMATH DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3280 MCMATH DRIVE FAQs
What would the monthly payment be for 3280 MCMATH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,285/mo — principal and interest, the actual property-tax bill, the $172/mo association fee 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.
How much are the HOA fees at 3280 MCMATH DRIVE?+
The association fee works out to $172 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3280 MCMATH DRIVE?+
The most recent tax bill on record (2024) was $4,831. 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 3280 MCMATH 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 Palm Harbor?+
At $245,000, this home is listed about 35% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3280 MCMATH DRIVE?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Time on market is leverage
190 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
02Strong assigned schools
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $280,000, now $245,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ARC REALTY GROUP · Crystal Brady. MLS #TB8464907.
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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