3960 TARPON POINTE CIRCLE, PALM HARBOR, FL, 34684
Active28 days on marketListed Jun 26, 2026MLS #TB8523574
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Upcoming open house
Sat, Jul 25
1:00 PM – 3:00 PM
About this home
3960 TARPON POINTE CIRCLE
Perfectly positioned in one of the most desirable locations within Highland Lakes, Palm Harbor's premier 55+ golf community, this beautiful 3-bedroom, 2-bath home plus a bonus fully enclosed lanai offers an exceptional combination of modern upgrades, spacious living, and an unbeatable lifestyle. Just steps from the community's Lake Tarpon Lodge, this inviting residence features a sought-after split-bedroom floor plan with soaring vaulted ceilings in both the living and family rooms, creating a bright, open atmosphere filled with natural light. Luxury vinyl plank flooring extends throughout the home, complemented by updated hurricane-impact windows, a spacious indoor laundry room, and an attached two-car garage. At the center of the home, the beautifully renovated kitchen has been thoughtfully redesigned for both everyday living and entertaining. Featuring granite countertops, updated soft-close cabinetry, a charming breakfast nook, and a newly opened kitchen to the living room with bar-top seating, it seamlessly connects the home's main living spaces. Three sliders out to the fully enclosed lanai with new windows provides a comfortable year-round retreat, offering valuable additional living space that's not included in the heated square footage of the home! MAJOR UPDATES include a NEW 2024 HVAC, NEW 2024 hot water heater, NEW 2020 ROOF, updated hurricane-impact windows, and a cost-saving deep well for irrigation! No insurance worries here with a recently passed 4-point inspection and located safely high and dry in a non-flood zone. Highland Lakes offers one of the finest active adult lifestyles in the Tampa Bay area with an incredibly affordable HOA fee of only $164 per month. Residents enjoy unlimited FREE golf on three private executive golf courses, tennis, pickleball, bocce, shuffleboard, and a vibrant clubhouse featuring fitness classes, entertainment, clubs, and year-round social activities. The private Lake Tarpon Lodge offers a boat ramp, fishing pier, and community pontoon boats, while complimentary RV and boat storage and golf cart-friendly streets make everyday living even more convenient. Located just minutes from award-winning Gulf beaches, premier shopping and dining, top-rated healthcare, professional sports venues, two international airports, and a cruise port, this move-in-ready home offers the perfect opportunity to enjoy the very best of Florida living. Call today and experience everything this exceptional home and community have to offer!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,826
Sqft
0.16 ac
Lot size
2
Garage
1989
Year built
One
Levels
$263
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.
$3,573 /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
$3,573/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
+11.1%
$/sqft vs HIGHLAND LAKES
$263 vs $262
Days on market
28 vs 42 typical
Where $263/sqft sits among the 24 homes for sale in HIGHLAND LAKES
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)
12 of 24
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 96% 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 3960 TARPON POINTE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$444,000
1319 GLENGARRY DRIVE · same community
3 bd · 2 ba · 1,854 sqft · $239/sqft · 29 DOM
Sold · Dec ’25$360,000
4801 MONTROSE DRIVE · same community
2 bd · 2 ba · 1,767 sqft · $204/sqft · 18 DOM
Sold · Jun ’26$352,000
4414 TURNBERRY COURT · same community
2 bd · 2 ba · 1,730 sqft · $203/sqft · 98 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 3960 TARPON POINTE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3960 TARPON POINTE CIRCLE — 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
3960 TARPON POINTE CIRCLE FAQs
What would the monthly payment be for 3960 TARPON POINTE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,573/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 3960 TARPON POINTE CIRCLE?+
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 3960 TARPON POINTE CIRCLE?+
The most recent tax bill on record (2025) was $2,537. 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 3960 TARPON POINTE CIRCLE?+
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 $479,900, this home is listed about 28% 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 3960 TARPON POINTE CIRCLE?+
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 COLDWELL BANKER REALTY · Amanda Justus. MLS #TB8523574.
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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