1109 TARTAN DRIVE UNIT B, PALM HARBOR, FL, 34684
Active18 days on marketListed Oct 1, 2026MLS #TB8553383
About this home
1109 TARTAN DRIVE UNIT B
Highland Lakes known for its golf courses, are included in your fees... 3 courses, Red, White and Blue! This updated and upgraded Villa is move in ready, furniture included. Granite countertops, newer appliances and flooring, dry bar in Living room, open, airy and comfortable. Your vista out the back from your climate controlled Lanai, is the golf course...Hole 6 on the White course! Enjoy morning breakfast or evening happy hour watching the golfers. The amenities of the main club are too numerous to mention! You have 3 pools to choose from, one heated in the main club area, a private pool steps from the unit, and a 3rd one at the lodge on Lake Tarpon! This unit is furnished with a NEW TV which has a 3 yr. warranty, sound system hooked to the TV with an optical system and Blue Tooth sub-woofer, A/C is 1 yr. old, Floors & Hot water heater are 2 yrs. old, Roof 5 Yrs. Your fees cover the exterior of the building, including the roof, cable & wifi, water, sewer, trash, grass cutting, insurance on the exterior and subteranium termite traps. Garage was just sided 1 1/2 yrs ago by Assoc. It is immaculate inside and out, you can live the ultimate Florida lifestyle in this premier 55+ Golf community. Don't miss this opportunity it is a beauty!!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,080
Sqft
2 ac
Lot size
1
Garage
1982
Year built
One
Levels
$258
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.
$2,160 /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
$2,160/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
+14.8%
$/sqft vs Palm Harbor actives
$258 vs $265
Days on market
18 vs 68 typical
Where $258/sqft sits among the 400 Palm Harbor actives
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)
231 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% 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 1109 TARTAN DRIVE UNIT B
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$214,500
143 LAKESIDE DRIVE UNIT 143
2 bd · 2 ba · 1,094 sqft · $196/sqft · 156 DOM
Sold · May ’26$320,000
2636 KAVALIER DRIVE
2 bd · 1.5 ba · 1,095 sqft · $292/sqft · 67 DOM
Sold · Dec ’25$190,000
117 CYPRESS COURT UNIT 117
2 bd · 2 ba · 1,054 sqft · $180/sqft · 132 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 1109 TARTAN DRIVE UNIT B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1109 TARTAN DRIVE UNIT B — 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
1109 TARTAN DRIVE UNIT B FAQs
What would the monthly payment be for 1109 TARTAN DRIVE UNIT B?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,160/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 1109 TARTAN DRIVE UNIT B?+
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 1109 TARTAN DRIVE UNIT B?+
The most recent tax bill on record (2025) was $846. 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 1109 TARTAN DRIVE UNIT B?+
The listing reports pets: No. 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 $279,000, this home is listed about 28% below the Palm Harbor median of $388,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1109 TARTAN DRIVE UNIT B?+
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
$279,000 runs 12% above the PALM HARBOR 34684 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Strong 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 CHARLES RUTENBERG REALTY INC · Roseanna Calley. MLS #TB8553383.
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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