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999 Gillespie Dr, Palm Harbor, FL, 34684

$259/sqft·Highland Lakes

3 bd2 ba1,732 sqft2 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8516714

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$3,303/mo
Down payment (20%)
$89,800
Property taxes
$573/mo
HOA
$164/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1983
Community pool
Shared amenity
2 car garage
7,658 sqft lot
Lot size
1,732 sqft
Living area

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanSolid Wood CabinetsStone CountersThermostatVaulted Ceiling(s)

999 Gillespie Dr is a 1983-built home in Highland Lakes Unit Fifteen Ph 1, Palm Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,732 square feet of living space. Listed at $449,000 (about $259/sqft), 70 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $164 monthly.

From the listing

Virtually Staged. PRICE REDUCED — Charming brick home in Highland Lakes (55+) with LOW HOA. This 3-bed, 2-bath residence offers 1,732 sq ft of bright, open living with vaulted ceilings and flexible expanded space that enhances flow and functionality. The kitchen features solid maple cabinets, granite countertops, pantry storage, and an easy entertaining layout; both baths are updated with granite vanities. Major systems updated: hurricane-impact windows, 2023 A/C, 2022 water heater, and 200-amp electric. Enjoy rare backyard privacy with mature landscaping, a paver patio, and a motorized awning — plus an enclosed A/C lanai for extra living space. Additional highlights: 2-car garage with attic access and storage, irrigation well, security system, ceiling fans throughout, and all appliances included. Highland Lakes amenities: three golf courses, tennis and pickleball, heated Olympic pool, clubhouse and fitness programs, lake access, boat/RV storage, and an active social calendar. Great updates, awesome layout, desirable location — ready to move in.

The essentials

Built
1983
Price / sqft
$259
On market
95 days
Annual tax
$6,872
HOA
$164/mo
Flood zone
X · Low risk
Lot
7,658 sqft
Type
Single Family Residence

Location

999 Gillespie Dr
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1983
Lot
7,658 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
95
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Solid Wood Cabinets
Stone Counters
Thermostat
Vaulted Ceiling(s)
Awning(s)
Sliding Doors
Buyer Approval Required
Clubhouse
Golf Carts OK
Golf
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Water Softener
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$6,872

Parcel #

05-28-16-38908-000-0450

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 Fifteen Ph 1

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

7,658 sqft

HOA
$164/mo
Highland Lakes HOA
Date
Event
Price
8/17/2026
Price change
Source: Stellar MLS #TB8516714
$449,000-3.2%
$259/sqft
Price change
Source: Stellar MLS #TB8516714
$464,000-1.1%
$268/sqft
6/8/2026
Listed for sale
Source: Stellar MLS #TB8516714
$469,000+23.4%
$271/sqft
12/1/2021
Sold
Source: Pinellas County Public Record
$380,000
$219/sqft
Est. monthly payment$3,303/mo
Principal & interest$2,342
Property taxes$573
Insurance$225
HOA$164
Down payment20% · $89,800
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: $449,000
$442,500 – $449,000
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 95 after a $20,000 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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