999 GILLESPIE DRIVE, PALM HARBOR, FL, 34684
Active47 days on marketListed Jun 8, 2026MLS #TB8516714
About this home
999 GILLESPIE DRIVE
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.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,732
Sqft
0.18 ac
Lot size
2
Garage
1983
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.
$3,865 /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
$3,865/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
+5.4%
$/sqft vs Palm Harbor actives
$271 vs $260
Days on market
47 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)
214 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 90% 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 999 GILLESPIE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$470,000
984 GILLESPIE DRIVE · same community
2 bd · 2 ba · 1,593 sqft · $295/sqft · 39 DOM
Sold · Feb ’26$450,000
632 CHANNING DRIVE
3 bd · 2 ba · 1,688 sqft · $267/sqft · 117 DOM
Sold · Aug ’25$415,000
2609 SUNNYSIDE CIRCLE
3 bd · 2 ba · 1,661 sqft · $250/sqft · 22 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 999 GILLESPIE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 999 GILLESPIE 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
999 GILLESPIE DRIVE FAQs
What would the monthly payment be for 999 GILLESPIE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,865/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 999 GILLESPIE 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 999 GILLESPIE DRIVE?+
The most recent tax bill on record (2025) was $6,872. 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 999 GILLESPIE 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 $469,000, this home is listed about 25% 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 999 GILLESPIE 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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Diane Thompson. MLS #TB8516714.
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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