40 CONCORD LANE, Palm Harbor, FL, 34684 | $229,900

Welcome to easy Florida living in the highly desirable Lake Tarpon Mobile Home Village 55+ community where you OWN YOUR LAND. This beautifully maintained and tastefully furnished 2BR/2BA manufactured home, built in 1978 and set on a generous 62' x 97' lot, is the perfect blend of comfort, convenience, and value. Whether you are searching for a full-time residence, seasonal retreat, or investment opportunity, this move-in-ready home offers flexibility and features to fit your lifestyle. From the moment you enter, you are greeted by an inviting Florida room with double-pane windows and naturally flows into the main living space, creating an open and welcoming feel. Laminate flooring runs throughout the home with vinyl flooring in the bathrooms. Ceiling fans with light fixtures add comfort and style. The kitchen is designed for everyday ease with enough counter space, cabinetry and drawers, a range with oven, double stainless-steel sink, refrigerator, and range hood. The dining area is spacious and includes built-in cabinetry for added storage and function. The dining room flows into the generous living room which has an airy feel with plenty of entertaining space and seating. Both bedrooms are substantially sized and comfortably furnished with queen-size beds, dressers, and excellent closet space. The primary suite features a walk-in closet and private ensuite bath with a walk-in shower, and spacious vanity. The second bathroom offers expansive counter space, extra storage and vinyl flooring. Offered fully furnished and attractively decorated, this home is truly turnkey and ready to enjoy from day one. Outside, you will appreciate the large, screened porch, ideal for relaxing or entertaining, along with convenient access to the backyard and shed. The carport and driveway provide plenty of parking, while the large shed offers plenty of storage and houses the washer and dryer. Additional highlights include a roof over, solid flooring, and an irrigation system supplied by a well. With an exceptionally low HOA fee of just $109. 69 each month, residents own their own land, enjoy access to a lively golf cart friendly community that enjoys many social activities and includes a private boat dock and fishing pier on Lake Tarpon, a large remodeled heated pool with sundeck and covered seating areas, clubhouse with full kitchen, stage, sound system and screen, card room, library, billiard room, shuffleboard, bocce ball, horseshoes, golf practice net, as well as a picnic and grilling area. There is an area used for pickleball. Easily accessible to many dining options, golf courses, shopping, parks, entertainment and beautiful Gulf beaches as well as two major airports. This is an outstanding opportunity to own a well-cared for home in one of the area’s most popular 55+ communities. Schedule your showing today.

Features

  • Amenities: Clubhouse, Fence Restrictions, Lobby Key Required, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Storage
  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 62 x 97
  • Laundry: Other
  • Year Built: 1978
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,160
  • Acreage: 0.14
  • Lot Size: 62 x 97
  • Est. Taxes: $2,389
  • HOA Fee: $110 Monthly
  • Lot Desc: In County, Landscaped, Level, Sidewalk
  • Adult Communities: Yes
  • Pet Policy: No
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Range Hood, Refrigerator, Washer
  • MLS#: TB8476911
  • Days on Market: 88 days
  • Website: https://www.raveis.com
    /prop/TB8476911/40concordlane_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 5/25/2026 6:10:29 AM)


John PickettLuxury Properties Specialist

561.301.5266

John.Pickett@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Joseph HartleyInsurance Sales Director, William Raveis Insurance

954.729.6530

Joseph.Hartley@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

40 CONCORD LANE, Palm Harbor, FL, 34684

$229,900

John Pickett

Luxury Properties Specialist

William Raveis Real Estate

Phone: 561.301.5266

John.Pickett@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 $183,920 $183,920 $183,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $199 $199 $199
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,132 $1,161 $1,527
Total Monthly Payment $1,406 $1,435 $1,801

* 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.