3569 OAK LAKE DRIVE, PALM HARBOR, FL, 34684
Active178 days on marketListed Feb 6, 2026MLS #TB8472815
About this home
3569 OAK LAKE DRIVE
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.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,466
Sqft
0.16 ac
Lot size
2
Garage
1987
Year built
One
Levels
$271
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.
$3,086 /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
$3,086/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
−6.4%
$/sqft vs Palm Harbor actives
$271 vs $261
Days on market
178 vs 42 typical
Where $271/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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
203 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 59% 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 3569 OAK LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$437,500
3509 OAK LAKE DRIVE · same community
3 bd · 2 ba · 1,800 sqft · $243/sqft · 103 DOM
Sold · Mar ’26$500,000
3557 OAK LAKE DRIVE · same community
3 bd · 2 ba · 1,948 sqft · $257/sqft · 2 DOM
Sold · Jun ’26$565,000
331 CASCADE LANE
3 bd · 2 ba · 1,487 sqft · $380/sqft · 15 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3569 OAK LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3569 OAK LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3569 OAK LAKE DRIVE FAQs
What would the monthly payment be for 3569 OAK LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,086/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 3569 OAK LAKE DRIVE?+
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 3569 OAK LAKE DRIVE?+
The most recent tax bill on record (2024) was $2,919. 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 3569 OAK LAKE DRIVE?+
The listing reports pets: Yes. 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 $398,000, this home is listed about 6% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3569 OAK LAKE DRIVE?+
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
Five things that matter here
01Positioned at the premium end
$398,000 runs 59% above the PALM HARBOR 34684 median.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
178 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $425,000, now $398,000 — a $27K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PARADISE LIFE REALTY · Lou Tutko. MLS #TB8472815.
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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