Active

945 Madrid Dr, Palm Harbor, FL, 34684

$270/sqft·Highland Lakes

2 bd2 ba980 sqft1 car garageVilla
Listed by KELLER WILLIAMS REALTY- PALM HARBOR· Last updated · MLS# W7889207

Ask anything about this home

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

Est. monthly payment
$2,025/mo
Down payment (20%)
$53,000
Property taxes
$82/mo
HOA
$428/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Villa
Built 1986
Community pool
Shared amenity
1 car garage
Garage Faces Side
4,992 sqft lot
Lot size
980 sqft
Living area

About this home

Living Room/Dining Room ComboPrivate EntrancePrivate MailboxRain GuttersSprinkler MeteredStorageAssociation Recreation - OwnedClubhouse

945 Madrid Dr is a 1986-built home in Highland Lakes, Palm Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 980 square feet of living space. Listed at $265,000 (about $270/sqft), 5 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $428 monthly.

From the listing

This charming single-story, block-built villa located in the desirable Highland Lakes 55+ community features 2 bedrooms, 2 bathrooms, an attached one-car garage, a full-size washer and dryer, and an easy-to-maintain homesite. Per the County, this property is located in a non-flood zone, and there is no CDD in this neighborhood. A standout 2026 upgrade is the replacement of all 8 windows with PGT impact-resistant, ENERGY STAR® windows, offering added storm protection, energy efficiency, and everyday peace of mind. This significant improvement combines durability and efficiency while providing a valuable upgrade for Florida living. Enjoy an exceptional sense of privacy with no neighbor on the right and no neighbor directly behind the property. The villa is surrounded by a huge yard, creating an expansive, open feel with plenty of green space all around. Enjoy the convenience of a thoughtfully sized floor plan that's ideal for year-round Florida living or a seasonal retreat. Nestled within the established Highland Lakes 55+ community in Palm Harbor, this home provides access to the active Florida lifestyle Highland Lakes is known for, with recreational and golf amenities nearby. The location puts you close to shopping, dining, medical facilities, recreation, and everything the Palm Harbor area has to offer, while the Gulf Coast's beautiful beaches and attractions are within easy reach. Whether you're looking to simplify your lifestyle, enjoy the Florida sunshine, or make Palm Harbor your home, 945 Madrid Drive offers an excellent opportunity to enjoy one of northern Pinellas County's established 55+ communities. Less than 30 minutes to St. Pete Beach, which was named the #1 Beach in America and the Fifth Best Beach in the World. Please view two videos: Tour 1 & Tour 2.

The essentials

Built
1986
Price / sqft
$270
On market
6 days
Annual tax
$986
HOA
$428/mo
Flood zone
X · Low risk
Lot
4,992 sqft
Type
Villa

Location

945 Madrid Dr
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Villa
Year Built
1986
Lot
4,992 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Faces Side
Days on Market
6
Living Room/Dining Room Combo
Private Entrance
Private Mailbox
Rain Gutters
Sprinkler Metered
Storage
Association Recreation - Owned
Clubhouse
Pool
Street Lights
Dishwasher
Dryer
Flood Zone x

Annual Tax (2025)

$986

Parcel #

05-28-16-38923-000-0030

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

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

4,992 sqft

Near Golf CourseStreet Dead-End
HOA
$428/mo
Highland Lakes
Date
Event
Price
9/5/2026
Listed for sale
Source: Stellar MLS #W7889207
$265,000
$270/sqft
Est. monthly payment$2,025/mo
Principal & interest$1,382
Property taxes$82
Insurance$133
HOA$428
Down payment20% · $53,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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: $265,000
$260,000 – $265,000
98.6% – 100% of listTops out right at the list price
80% of listList price
27 of the last 53 townhouse or villa closings in 34684 landed at this number or higher (51%). The median one sat 34 days before it went under contract, and this one is on day 6.

Sample: 53 closed townhouse or villa sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Keep exploring Tampa Bay

Pick up where you left off, or see what else is out there.