3217 MCMATH DRIVE, PALM HARBOR, FL, 34684
Active29 days on marketListed Aug 24, 2026MLS #TB8541591
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About this home
3217 MCMATH DRIVE
Tucked into the tree-lined streets of Highland Lakes, one of Palm Harbor's most beloved 55+ golf communities, this beautifully updated 2-bedroom, 2-bathroom villa is ready for its next owner to simply move in and enjoy. From the moment you step through the glass-inset front door into the vaulted foyer, it's clear this home has been thoughtfully cared for and tastefully refreshed from top to bottom. The open-concept living and dining area is bathed in natural light and finished with wood like tile flooring that flows throughout the entire home. A separate formal dining area, illuminated by a designer chandelier, adds a touch of elegance for holiday gatherings and dinner parties. The kitchen is a true showstopper, featuring crisp white shaker cabinetry, appliances, sleek countertops, all wrapped in a layout that keeps the cook connected to the rest of the home. In the kitchen, a versatile dining nook offers the perfect spot for casual meals. Retreat to the spacious primary suite, complete with a generous closet and a spa-inspired en-suite bathroom boasting a walk-in shower, dual granite vanities, and elegant tile work. The comfortable second bedroom sits near a fully updated guest bathroom, making this layout ideal for visitors, a home office, or a hobby room. Outside, the home's classic Florida charm continues with crisp white stucco, cedar-toned board-and-batten gable accents, and cheerful green shutters, all framed by mature landscaping, a flowering crape myrtle, and swaying palms. Highland Lakes is one of Pinellas County's premier 55+ communities, offering residents access to a private golf course, community pools, tennis courts, a clubhouse with an active social calendar, and a boat ramp with access to Lake Tarpon — all for remarkably low HOA dues. Enjoy the Florida lifestyle just minutes from Innisbrook Golf Resort, John Chesnut Sr. Park, the Gulf beaches, and easy access to Tampa International Airport. This is Florida living at its most carefree — schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,332
Sqft
0.09 ac
Lot size
2
Garage
1982
Year built
One
Levels
$244
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.
$2,518 /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
$2,518/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
+9.4%
$/sqft vs HIGHLAND LAKES
$244 vs $272
Days on market
29 vs 52 typical
Where $244/sqft sits among the 32 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)
21 of 32
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% 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 3217 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 · 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3217 MCMATH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3217 MCMATH DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3217 MCMATH DRIVE FAQs
What would the monthly payment be for 3217 MCMATH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,518/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 3217 MCMATH 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 3217 MCMATH DRIVE?+
The most recent tax bill on record (2025) was $1,654. 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 3217 MCMATH 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 $324,900, this home is listed about 14% below the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 3217 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.
Keep looking
Similar homes nearby
Listing courtesy of REALUXE · Mandria Aceto. MLS #TB8541591.
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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