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3569 Oak Lake Dr, Palm Harbor, FL, 34684

$271/sqft·Highland Lakes

2 bd2 ba1,466 sqft2 car garageSingle Family
Listed by PARADISE LIFE REALTY· Last updated · MLS# TB8472815

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Est. monthly payment
$2,682/mo
Down payment (20%)
$79,600
Property taxes
$243/mo
HOA
$164/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1987
Water views
Trees/Woods
Community pool
Shared amenity
2 car garage
7,153 sqft lot
Lot size

About this home

Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Surface CountersThermostatPrivate MailboxSidewalk

3569 Oak Lake Dr is a 1987-built home in Highland Lakes Unit Eighteen, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,466 square feet of living space. Listed at $398,000 (about $271/sqft), 179 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $164 monthly.

From the listing

One or more photo(s) has been virtually staged. NEW ROOF to be installed prior to closing with acceptable offer. UPDATED in 2026!!! NEW KITCHEN including quartz countertops, stainless steel appliances, cabinets with soft close doors and drawers! NEW BATHROOMS! NEW CARPET in bedrooms. Welcome to 3569 Oak Lake Drive, a delightful single-family home nestled in the heart of Palm Harbor's esteemed Highland Lakes community. This residence offers a harmonious blend of comfort, style, and active living in one of Florida's most sought-after 55+ neighborhoods. Step inside to discover a spacious split-bedroom floor plan designed for both privacy and comfort. This is basically a 2-bedroom home built within a 3-bedroom floorplan so all the rooms are large. The open-concept living and dining areas are bathed in natural light, creating a warm and inviting atmosphere. The kitchen boasts ample cabinetry and a cozy breakfast nook, perfect for morning coffee. The primary suite features a walk-in closet and an en-suite bathroom, while the second bedroom offers flexibility for guests or a home office. The Florida room provides additional living space, ideal for relaxing or entertaining guests. The landscaped yard offers a serene setting with mature trees and lush greenery. Highland Lakes is renowned for its resort-style amenities… Enjoy free access to three private nine-hole executive golf courses, along with a community pool, tennis, pickleball, bocce ball, and shuffleboard courts. For those who love the water, community pontoon boats offer a relaxing way to explore Lake Tarpon. Feeling creative? Dive into hands-on fun with ceramics, stained glass, and woodworking studios. With over 40 active clubs and complimentary RV and boat storage, there’s something here for everyone to enjoy year-round. Located just minutes from Gulf beaches, shopping, dining, and top-rated medical facilities, 3569 Oak Lake Drive offers the perfect blend of tranquility and convenience. Don't miss this opportunity to enjoy the Florida lifestyle in a vibrant, active community. Close to all the Tampa Bay Area has to offer; Championship golf courses, Tampa International Airport, NHL, NFL, MLB events, Grand Prix, PGA events, fine dining, concerts, parks, biking trails, BMX events, and more. Begin Your Paradise Life Today.

The essentials

Built
1987
Price / sqft
$271
On market
217 days
Annual tax
$2,919
HOA
$164/mo
Flood zone
X · Low risk
Lot
7,153 sqft
Type
Single Family Residence

Location

3569 Oak Lake Dr
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1987
Lot
7,153 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
217
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Thermostat
Private Mailbox
Sidewalk
Sliding Doors
Clubhouse
Deed Restrictions
Golf Carts OK
Golf
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer

Elementary

Highland Lakes Elementary-PN

Middle

Carwise Middle-PN

High

Palm Harbor Univ High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X

Annual Tax (2024)

$2,919

Parcel #

05-28-16-38925-000-0190

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Highland Lakes Unit Eighteen

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

7,153 sqft

HOA
$164/mo
Scarlett Roach
Date
Event
Price
7/6/2026
Price change
Source: Stellar MLS #TB8472815
$398,000-0.3%
$271/sqft
Price change
Source: Stellar MLS #TB8472815
$399,000-6.1%
$272/sqft
2/6/2026
Listed for sale
Source: Stellar MLS #TB8472815
$425,000
$290/sqft
Est. monthly payment$2,682/mo
Principal & interest$2,076
Property taxes$243
Insurance$199
HOA$164
Down payment20% · $79,600
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $398,000
$392,500 – $398,000
98.5% – 100% of listTops out right at the list price
80% of listList price
55 of the last 109 home closings in 34684 landed at this number or higher (50%). The median one sat 15 days before it went under contract, and this one is on day 217 after a $27,000 cut.

Sample: 109 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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