102 STAFFORD DRIVE, PALM HARBOR, FL, 34684
Active171 days on marketListed Feb 20, 2026MLS #TB8478206
About this home
102 STAFFORD DRIVE
Welcome to your beautifully updated 2-bedroom, 2-bath, 2-car garage home with a sunny Florida room, perfectly positioned on a large corner lot in Palm Harbor’s premier 55+ golf community, Highland Lakes! From the moment you arrive, you’re greeted by a screened-in front lanai—ideal for enjoying Florida’s year-round sunshine—and a stunning leaded glass front door set against a freshly painted exterior. Inside, the home is light, bright, and open with updated windows that fill the space with natural light. The heart of the home is the beautifully renovated kitchen, showcasing granite countertops, solid wood soft-close cabinetry with pull-out drawers, a stylish glass tile backsplash, newer sleek stainless appliances, recessed lighting, and a convenient pass-through to the Florida room for effortless entertaining. Wood-look tile flooring flows seamlessly into the dining nook, creating the perfect space for everyday gatherings. Just beyond, the spacious Florida room is drenched in sunshine through wall-to-wall windows and features modern tile flooring, making it an inviting retreat for relaxing or hosting guests. The thoughtfully designed layout offers privacy and convenience, with a tastefully updated guest bathroom featuring a walk-in shower with glass door, granite-topped vanity, and updated lighting. The second updated hall bath with a tub/shower combo is ideally situated between both bedrooms and the main living area. Step outside to your private back patio—perfectly sized for outdoor furniture and a grill—surrounded by lush landscaping for added tranquility. Furniture is negotiable, making this home truly turn-key and move-in ready! Rest easy knowing this property sits high and dry above the flood plain in a non-evacuation zone. Major updates include an electrical panel (2019), 3-ton HVAC (2017), dual-pane windows with hurricane shutters, and more. Residents of Highland Lakes enjoy an exceptional country club lifestyle with a remarkably low HOA fee of just $164/month, including unlimited and FREE golf on three private executive courses, tennis, pickleball, bocce, and shuffleboard courts, plus a vibrant clubhouse offering entertainment, fitness classes, and social events. The lakeside lodge on Lake Tarpon features a private boat ramp, fishing pier, and community pontoon boats. Additional amenities include free RV and boat storage and a golf cart-friendly community design. Ideally located near world-class Gulf beaches, upscale dining and shopping, top-rated healthcare, major sports venues, two international airports, and a cruise port, this exceptional property offers the perfect blend of elegance, comfort, and active Florida living. Don’t miss this rare opportunity—schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,264
Sqft
0.22 ac
Lot size
2
Garage
1979
Year built
One
Levels
$301
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.
$3,219 /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
$3,219/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
+9.2%
$/sqft vs HIGHLAND LAKES
$301 vs $261
Days on market
171 vs 49 typical
Where $301/sqft sits among the 25 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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
13 of 25
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 STAFFORD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$385,000
2820 LOMOND DRIVE · same community
2 bd · 2 ba · 1,259 sqft · $306/sqft · 4 DOM
Sold · Feb ’26$160,000
10050 LAKE DRIVE · same community
3 bd · 2 ba · 1,248 sqft · $128/sqft · 0 DOM
Sold · Jun ’26$350,000
1446 QUEEN ANNE BOULEVARD · same community
2 bd · 2 ba · 1,296 sqft · $270/sqft · 54 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 102 STAFFORD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 STAFFORD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
102 STAFFORD DRIVE FAQs
What would the monthly payment be for 102 STAFFORD DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,219/mo — principal and interest, the actual property-tax bill, the $164/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 102 STAFFORD DRIVE?+
The association fee works out to $164 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 102 STAFFORD DRIVE?+
The most recent tax bill on record (2025) was $5,884. 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 102 STAFFORD DRIVE?+
The listing reports pets: Yes. 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 $379,900, this home is priced right at the Palm Harbor median.
Which schools are assigned to 102 STAFFORD 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
Four things that matter here
01Positioned at the premium end
$379,900 runs 52% above the PALM HARBOR 34684 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
171 days on market against a Palm Harbor median of 49 — sellers in this position are usually ready to negotiate.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Amanda Justus. MLS #TB8478206.
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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