2942 MACALPIN DRIVE W, PALM HARBOR, FL, 34684
Active5 days on marketListed Jul 29, 2026MLS #TB8533663
About this home
2942 MACALPIN DRIVE W
OPPORTUNITY KNOCKS IN HIGHLY SOUGHT-AFTER HIGHLAND LAKES! Welcome to one of Palm Harbor's premier 55+ golf communities, where resort-style amenities and an active lifestyle await. This spacious 2-bedroom, 2-bath split plan home offers exceptional value and endless potential for buyers looking to make it their own. Inside, you'll appreciate the generous layout featuring two separate living areas plus a versatile bonus/flex room just off the kitchen, ideal as a family room, Florida room, home office, hobby space, or reading retreat. The split-bedroom floor plan provides added privacy for both owners and guests. The kitchen features solid wood cabinetry, newer stainless steel appliances, abundant storage, and a functional layout that opens to the main living areas. Impact-resistant windows throughout the home provide peace of mind, energy efficiency, and storm protection, while plantation shutters add charm and character in several rooms. Some areas of the home feature tile flooring, while others offer carpet, giving buyers the opportunity to update and personalize the home to their own taste and style. The seller has already relocated, making this an excellent opportunity to own one of the best values in Highland Lakes. Life in Highland Lakes is second to none! Residents enjoy an incredible array of amenities, including: Unlimited golf on a 27-hole executive golf course (three private 9-hole courses included with HOA membership) Two community pools, including a 125,000 gallon geothermal-heated Olympic sized pool with heated whirlpool spa at the clubhouse, plus a second geothermal-heated pool overlooking beautiful Lake Tarpon Tennis and pickleball courts Clubhouse with fitness center and activity rooms Billiards, woodworking, ceramics, arts & crafts, and hobby studios Dozens of clubs, social events, dances, classes, and year-round activities Scenic walking paths and picturesque lakes Lake Tarpon access with community pontoon boats, fishing opportunities, and RV/boat storage (subject to association availability) Whether you're searching for a full-time Florida residence or the perfect seasonal retreat, this home offers great bones, a spacious and functional floor plan, valuable upgrades, and the chance to create your dream home in one of Palm Harbor's most desirable active adult communities. Bring your vision and discover why Highland Lakes continues to be one of Tampa Bay's most sought-after 55+ communities!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,361
Sqft
0.16 ac
Lot size
2
Garage
1979
Year built
One
Levels
$249
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.
$2,596 /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
$2,596/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
−3.4%
$/sqft vs HIGHLAND LAKES
$249 vs $266
Days on market
5 vs 48 typical
Where $249/sqft sits among the 25 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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
13 of 25
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% 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 2942 MACALPIN DRIVE W
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$275,000
3201 MCMATH DRIVE · same community
2 bd · 2 ba · 1,332 sqft · $206/sqft · 9 DOM
Sold · Feb ’26$365,000
3273 MCMATH DRIVE · same community
2 bd · 2 ba · 1,332 sqft · $274/sqft · 60 DOM
Sold · Jul ’26$375,000
2968 MACALPIN DRIVE N · same community
2 bd · 2 ba · 1,330 sqft · $282/sqft · 112 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 2942 MACALPIN DRIVE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2942 MACALPIN DRIVE W — 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
2942 MACALPIN DRIVE W FAQs
What would the monthly payment be for 2942 MACALPIN DRIVE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,596/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 2942 MACALPIN DRIVE W?+
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 2942 MACALPIN DRIVE W?+
The most recent tax bill on record (2025) was $1,520. 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 2942 MACALPIN DRIVE W?+
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 $339,000, this home is listed about 11% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2942 MACALPIN DRIVE W?+
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
$339,000 runs 36% above the PALM HARBOR 34684 median.
02Fresh on the market
Only 5 days on market in a Palm Harbor market that averages 48 — if it fits, move quickly.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA LUXURY REALTY INC · Stephanie Goode. MLS #TB8533663.
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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