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3558 Oak Lake Dr, Palm Harbor, FL, 34684

$302/sqft·Highland Lakes

3 bd2 ba2,154 sqft2 car garageSingle Family
Listed by COLDWELL BANKER REALTY· Last updated · MLS# TB8543377

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Est. monthly payment
$4,318/mo
Down payment (20%)
$130,000
Property taxes
$438/mo
HOA
$165/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1987
2 car garage
Driveway
10,245 sqft lot
Lot size
2,154 sqft
Living area

About this home

Ceiling Fans(s)Living Room/Dining Room ComboSplit BedroomWalk-in Closet(s)LightingAssociation Recreation - OwnedClubhouseDeed Restrictions

3558 Oak Lake Dr is a 1987-built home in Highland Lakes Unit Eighteen, Palm Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,154 square feet of living space. Listed at $650,000 (about $302/sqft), 8 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $165 monthly.

From the listing

Welcome to this beautifully updated home in Highland Lakes, Palm Harbor’s premier 55+ community, ideally situated on a large corner lot. Featuring a desirable split-bedroom floor plan, this home has been extensively updated over the past year, making it truly move-in ready. Major improvements include a new roof (2025), new HVAC system (2025) with a 5-year maintenance plan, new water heater and whole-house water filtration system (2025), new gutters, and replacement windows, some of which are hurricane rated. The interior has been refreshed from top to bottom with popcorn ceilings removed and retextured, new ceiling vents, updated electrical switches and outlets, new door hardware, and fresh interior paint throughout. The kitchen was completely remodeled in 2026 with new cabinetry, quartz countertops, backsplash, sink, garbage disposal, recessed lighting, and microwave. A newer refrigerator and range complete the space. Both bathrooms have also been updated, including a completely renovated guest bath with new tile, shower, shower door, vanity, lighting, fixtures, and flooring. The primary bath features a new shower, shower door, and toilet. Additional updates continue throughout the home. The laundry room features a newer washer and dryer, flooring, utility sink, backsplash, and lighting. The garage offers an insulated new garage door, upgraded garage floor, overhead and additional storage shelving, attic steps, updated entry and service doors, and ceiling improvements. The enclosed lanai provides additional comfortable living space and has been extensively improved with a raised floor, new insulated drywall ceiling, mini-split HVAC system, window treatments, lighting, ceiling fan, and new exterior door. Outside, you'll find updated landscaping, a paver patio, irrigation for the landscaping, exterior landscape lighting in the front, and a freshly painted front porch, creating an inviting and well-maintained outdoor setting. Highland Lakes offers an impressive selection of amenities designed for an active and social lifestyle. Residents enjoy complimentary golf on three private executive courses, along with RV and boat storage. Tennis and pickleball, fitness classes, clubs, games, and activities provide something for nearly every interest. The main clubhouse and Lake Lodge host a variety of social events and entertainment, while the Arts & Crafts building offers a woodshop, art studios, and classes. All of this is just minutes from Gulf beaches, shopping, dining, professional sports, two international airports, and medical services. Located above the flood plain and in a non-evacuation zone, Highland Lakes combines a convenient Palm Harbor location with an active, amenity-filled lifestyle. With extensive updates already completed, this move-in-ready home allows you to spend less time on projects and more time enjoying everything Highland Lakes has to offer.

The essentials

Built
1987
Price / sqft
$302
On market
10 days
Annual tax
$5,251
HOA
$165/mo
Flood zone
X · Low risk
Lot
10,245 sqft
Type
Single Family Residence

Location

3558 Oak Lake Dr
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1987
Lot
10,245 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
10
Ceiling Fans(s)
Living Room/Dining Room Combo
Split Bedroom
Walk-in Closet(s)
Lighting
Association Recreation - Owned
Clubhouse
Deed Restrictions
Golf Carts OK
Golf
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Softener
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$5,251

Parcel #

05-28-16-38925-000-0340

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

10,245 sqft

Corner LotLandscapedSidewalk
HOA
$165/mo
Scarlet Roach
Date
Event
Price
9/1/2026
Listed for sale
Source: Stellar MLS #TB8543377
$650,000+20.4%
$302/sqft
6/1/2025
Sold
Source: Pinellas County Public Record
$540,000
$251/sqft
Est. monthly payment$4,318/mo
Principal & interest$3,390
Property taxes$438
Insurance$325
HOA$165
Down payment20% · $130,000
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

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List price: $650,000
$640,000 – $650,000
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 10.

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

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