3280 SKENE TERRACE, PALM HARBOR, FL, 34684
Active22 days on marketListed Sep 26, 2026MLS #TB8552436
About this home
3280 SKENE TERRACE
Virtually Staged. Experience the best of Florida living in this beautifully renovated and rarely available 3-bedroom, 2-bath, 2-car garage home with nearly 1,900 heated square feet, a large interior laundry room, and an oversized nearly quarter-acre lot perfectly situated on a quiet cul-de-sac just steps from the main clubhouse in Palm Harbor’s premier 55+ golf community, Highland Lakes! Everything is NEW, NEW, NEW! From the moment you step inside, you’ll be greeted by stunning new flooring flowing seamlessly throughout the home, fresh paint and baseboards, all-new fans, fixtures and hardware, new recessed lighting, zero popcorn ceilings, a skylight in the main living area, large updated windows, and beautiful views throughout the newly opened floor plan. The remodeled and opened kitchen is a true showstopper, featuring floor-to-ceiling solid wood cabinetry, gorgeous quartz countertops, a cozy breakfast nook for casual dining, and all-new sleek stainless-steel appliances. The oversized primary suite offers plenty of room for a king-size bedroom set plus additional space perfect for a home office or cozy sitting area, along with a massive walk-in closet and fully renovated en-suite bath featuring a new stone-top vanity, mirror, lighting, and glass-enclosed walk-in shower. Two additional spacious bedrooms provide comfortable accommodations for guests and endless flexibility for an office, craft room, or additional living space. The large Florida room provides even more space for relaxing or entertaining and opens to an additional fully enclosed bonus lanai that is not included in the home’s heated/cooled square footage. Major improvements include a new A/C system (2026), updated electrical panel (2023), new roof (2022), and new water heater (2025). The home is also ideally situated high and dry in a NON-FLOOD ZONE and NON-EVACUATION ZONE! Highland Lakes offers an incredible lifestyle with a low HOA fee that includes unlimited FREE GOLF on three private executive courses, tennis, pickleball, bocce, shuffleboard, an active clubhouse with countless clubs, activities and fitness classes, plus exclusive access to the Lake Tarpon Lodge featuring a private boat ramp, fishing pier and pontoon boats. Residents also enjoy complimentary RV and boat storage and golf-cart-friendly streets. Just minutes from award-winning Gulf beaches, restaurants, shopping, healthcare, major airports and the Port of Tampa, this exceptional home offers the perfect combination of location, amenities and the Florida lifestyle you’ve been dreaming of. Better than new construction and completely turnkey—just bring your belongings and enjoy! Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,863
Sqft
0.24 ac
Lot size
2
Garage
1979
Year built
One
Levels
$268
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.
$3,671 /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
$3,671/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
+2.3%
$/sqft vs HIGHLAND LAKES
$268 vs $256
Days on market
22 vs 68 typical
Where $268/sqft sits among the 29 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 → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
17 of 29
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% 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 3280 SKENE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$360,000
4801 MONTROSE DRIVE · same community
2 bd · 2 ba · 1,767 sqft · $204/sqft · 18 DOM
Sold · Jun ’26$352,000
4414 TURNBERRY COURT · same community
2 bd · 2 ba · 1,730 sqft · $203/sqft · 98 DOM
Sold · Apr ’26$602,000
1369 GILLESPIE DRIVE N · same community
3 bd · 2 ba · 1,706 sqft · $353/sqft · 3 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3280 SKENE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3280 SKENE TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3280 SKENE TERRACE FAQs
What would the monthly payment be for 3280 SKENE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,671/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 3280 SKENE TERRACE?+
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 3280 SKENE TERRACE?+
The most recent tax bill on record (2025) was $2,202. 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 SKENE TERRACE?+
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 $499,900, this home is listed about 29% above the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3280 SKENE TERRACE?+
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
01Positioned at the premium end
$499,900 runs 100% above the PALM HARBOR 34684 median — but at 1,863 sqft it's also 24% larger than the typical Palm Harbor listing.
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 $510,000, now $499,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Amanda Justus. MLS #TB8552436.
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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