2137 MALCOLM DRIVE, Palm Harbor, FL, 34684 | $434,800

**Price Improvement - BRING OFFERS** This is the one you’ve been waiting for in the ever active, Golfcart friendly 55+ Highland Lakes! This MOVE-IN READY gem WITH 200 EXTRA SF OF SPACE, offers a seamless blend of sophisticated design, comfort and value. Practicality meets peace of mind with a 2021 ROOF, usable well for LOW-COST irrigation, 16-SEER Trane AC, reinforced garage door, JELD-WEN 'tip out' windows, 2018 electric panel/water heater and back room that ADDS 200+ SF OF HEATED AND COOLED SPACE. Enter through the SCREENED front porch to find inside newer vinyl flooring and porcelain tile throughout — absolutely no carpet! The heart of the home has been modified to provide a stunning open-concept kitchen featuring soft-close cabinetry, premium Quartz Berwyn countertops with breakfast bar, complimented by chic tile backsplash, high-end GE Profile appliances in Slate and white cabinetry providing ample storage with a dual-pantry system (kitchen and laundry). Both bathrooms have been beautifully remodeled. The Primary bedroom features an ensuire bath with STEP-IN SHOWER. Enjoy the spacious light-filled Florida room in back that is fully finished with a dedicated AC split, overlooking a private greenbelt with a separate patio. Outside bask in the green space that features lemon, mango, and avocado trees and fragrant Jasmine. Beyond the fairways, this vibrant GOLF CART community offers an unparalleled lifestyle. Residents enjoy a rich tapestry of activities, from competitive play on the tennis, pickleball, and bocce courts to refreshing afternoons by the Olympic-size geothermal heated pool and spa. Life here extends to the water, where you can explore Lake Tarpon on one of two community pontoon boats, including curated lunch excursions to lakeside favorites. Whether you’re honing a craft in the woodworking shop or relaxing at the lakeside lodge, every amenity is designed for your leisure. Buyers may be eligible for Mortgage savings with this purchase, ask Agent.

Features

  • Amenities: Clubhouse, Fence Restrictions, Golf Course, Pool, Recreation Facilities, Spa/Hot Tub, Tennis Court(s), Trail(s)
  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 73 x 105
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 1978
  • Garage: 2-car Driveway
  • Heating: Central
  • Cooling: Central Air, Mini-Split Unit(s)
  • Approx Sq. Feet: 1,319
  • Acreage: 0.18
  • Lot Size: 73 x 105
  • Est. Taxes: $2,812
  • HOA Fee: $164 Monthly
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: TB8462729
  • Days on Market: 50 days
  • Website: https://www.raveis.com
    /prop/TB8462729/2137malcolmdrive_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/19/2026 10:47:08 AM)
Listing courtesy of Redfin Corporation   Phone: 617-458-2883

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

2137 MALCOLM DRIVE, Palm Harbor, FL, 34684

$434,800

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $347,840 $347,840 $347,840
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.307% 6.419% 5.668%
Monthly Tax Payment $234 $234 $234
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,030 $2,142 $2,819
Total Monthly Payment $2,339 $2,451 $3,128

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.