2632 CAMILLE DRIVE, PALM HARBOR, FL, 34684
Active22 days on marketListed Jul 3, 2026MLS #TB8525654
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About this home
2632 CAMILLE DRIVE
Welcome to this beautifully updated 2-bedroom, 2-bath residence, offering over 1,750 square feet of elegant living space in Palm Harbor’s premier 55+ golf community, Highland Lakes. Step inside to discover a thoughtfully designed floor plan featuring a fully renovated kitchen that effortlessly flows into the spacious main living area, perfect for entertaining or relaxing. Enjoy the convenience of an attached 2-car garage, an expansive temperature-controlled Florida Room, and an inviting outdoor living area with limitless possibilities. Sunlight pours through large, updated windows, illuminating every corner with warmth and natural light. The living room showcases a custom accent wall with built-in cabinetry and a striking stone-faced electric fireplace, creating a welcoming focal point. The adjacent dining area features a handcrafted built-in banquette - ideal for gatherings both large and small. The chef-inspired kitchen is a true showpiece, boasting granite countertops, sleek modern cabinetry, and stainless steel appliances, including a brand-new (2025) induction cooktop, refrigerator, and dishwasher. Recessed lighting, extensive built-in pantry storage, and a convenient breakfast bar adjoining the family room make this kitchen as functional as it is beautiful. Retreat to the serene primary suite, which offers a spa-like en suite bath, a spacious walk-in closet with custom organizers, and sliding doors leading to the Florida Room. The luxurious primary bath features a modern vanity with an integrated sink, a custom tiled walk-in shower with dual showerheads, and a seamless glass enclosure. The versatile second bedroom provides ample comfort for guests or hobbies, with its own large walk-in closet with custom organizers and a nearby guest bath. The guest bath exudes modern charm, complete with a floating vanity and vessel sink, a custom tiled walk-in shower surrounded by glass, and stylish wood-look tile flooring. The expansive Florida Room opens to a lush green space featuring a private pergola and an open patio with a retractable awning- perfect for enjoying the outdoors year-round. Relax among tropical landscaping and a thoughtfully designed succulent garden, embracing the quintessential Florida lifestyle. Recent major upgrades include a NEW roof (2023), NEW HVAC and ductwork (2025), fresh interior and exterior paint (2026), an epoxy-coated garage floor (2026), and professionally landscaped front and rear yards (2024). Located in a non-evacuation zone, this home offers peace of mind and year-round comfort. Highland Lakes residents enjoy an exceptional, resort-style lifestyle with a low HOA fee covering unlimited golf on three private executive courses, tennis, pickleball, bocce, shuffleboard, and an active clubhouse filled with social events and fitness classes. There’s also a lakeside lodge on Lake Tarpon, featuring a private boat ramp, fishing pier, and community pontoon boats. Additional highlights include free RV and boat storage, golf cart-friendly streets, and proximity to award-winning Gulf beaches, fine dining, shopping, medical centers, major airports, and a cruise port. This remarkable home blends sophistication, comfort, and active Florida living. Come take a look…You’ll love what you see!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,754
Sqft
0.17 ac
Lot size
2
Garage
1979
Year built
One
Levels
$253
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.
$3,638 /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
$3,638/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
+13.6%
$/sqft vs HIGHLAND LAKES
$253 vs $263
Days on market
22 vs 42 typical
Where $253/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)
11 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 79% 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 2632 CAMILLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Dec ’25$439,900
2936 MACALPIN DRIVE W · same community
2 bd · 2 ba · 1,726 sqft · $255/sqft · 47 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 2632 CAMILLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2632 CAMILLE 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
2632 CAMILLE DRIVE FAQs
What would the monthly payment be for 2632 CAMILLE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,638/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 2632 CAMILLE 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 2632 CAMILLE DRIVE?+
The most recent tax bill on record (2025) was $6,043. 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 2632 CAMILLE 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 $444,000, this home is listed about 18% 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 2632 CAMILLE 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
Three things that matter here
01Positioned at the premium end
$444,000 runs 79% above the PALM HARBOR 34684 median — but at 1,754 sqft it's also 20% larger than the typical Palm Harbor listing.
02Strong 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.
03The price has already moved
Listed at $449,000, now $444,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Michael Lauer. MLS #TB8525654.
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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