2968 MACALPIN DRIVE N, Palm Harbor, FL, 34684 | $409,900

Looking for exceptional value in Palm Harbor’s premier 55+ golf community? This charming Highland Lakes home is tucked away on a quiet cul-de-sac. Money-saving and value-enhancing updates include hurricane windows throughout, upgraded electrical panel, new 2025 water softener, 2023 complete kitchen remodel, bathrooms renovated in 2024, new floors throughout, except for the lovely original oak wood floors, fresh interior paint in 2022, new W/D in 2022 and more! The popular Concord floor plan features open living spaces, while offering just enough separation. The generous Living Room and Dining Room flow into the Beautifully updated kitchen featuring new white cabinets, granite counters, lovely backsplash and set of stainless-steel appliances. The cook/baker can visit with guests in the Dining Room, Family Room and Florida Room while creating delicious food. The light-filled Florida room—bonus space not included in the interior square footage—is a true 4 season room with real windows, adding flexibility for relaxing or entertaining. The spacious Primary Suite features a comfortable, renovated en-suite bathroom and generous closet space. There is a second versatile bedroom and second refreshed bathroom, as well. The huge convenient interior laundry room offers plenty of storage space, too. The 2015 roof and all components passed a recent 4-point inspection, which the sellers are happy to share. Enjoy outdoor living on both front and back patios, with options for grilling, dining or just hanging out! An oversized two-car garage offers room for vehicles plus a golf cart, and the sprinkler system new irrigation system has a rain sensor for further cost-savings on reclaimed water usage. ***Highland Lakes residents enjoy an unparalleled lifestyle for just $164 per month. Amenities include unlimited free golf on three private executive courses, heated pools and spa, tennis, pickleball, bocce, shuffleboard, bowling leagues, fitness classes, arts and crafts studios, woodworking, clubs, and a vibrant calendar of social events at the expansive clubhouse. The Lake Tarpon Lodge offers even more, with a second heated pool, private boat ramp, fishing pier, picnic facilities, community pontoon boats, and secure free RV or boat storage. Located safely above the floodplain in a non-evacuation zone, yet just minutes from award-winning Gulf beaches, this community is also convenient to two international airports, shopping, dining, cultural attractions, professional sports, and top medical facilities. Make this your year to relax and enjoy the best of Florida living in Highland Lakes.

Features

  • Amenities: Clubhouse, Fitness Center, Golf Course, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Tennis Court(s)
  • Rooms: 10
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 73 x 120
  • Laundry: Inside, Laundry Room
  • Style: Florida
  • Year Built: 1979
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,330
  • Acreage: 0.19
  • Lot Size: 73 x 120
  • Est. Taxes: $4,581
  • HOA Fee: $164 Monthly
  • Lot Desc: Cul-De-Sac, Near Golf Course, Sidewalk
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
  • MLS#: TB8475765
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/TB8475765/2968macalpindriven_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 2/21/2026 5:17:09 PM)
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP   Phone: 727-799-2227

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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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2968 MACALPIN DRIVE N, Palm Harbor, FL, 34684

$409,900

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 $327,920 $327,920 $327,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.197% 6.132% 5.541%
Monthly Tax Payment $382 $382 $382
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,862 $1,964 $2,636
Total Monthly Payment $2,319 $2,421 $3,093

* 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.