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NO HOA, MOVE IN READY & TOTALLY UPDATED. Back on the market due to buyer financing issues. Positioned on a quiet cul-de-sac within the highly desirable community of Highland Lakes in Palm Harbor, this updated 2-bedroom, 2-bath home presents a rare opportunity combining flexibility, storm-prepared improvements, energy efficiency, and optional lifestyle amenities. While located within Highland Lakes, this property is not currently part of the HOA—allowing ownership without mandatory fees, restrictions, or age requirements. Buyers also have the option to join and enjoy the community’s well-known amenities, including golf, pickleball, boat and RV storage, and more, with applicable requirements. Set on a spacious lot, the home offers both privacy and usability, complemented by a layout designed for comfortable everyday living and effortless entertaining. Inside, approximately 1, 508 square feet of living space features a cohesive design with neutral tones, consistent flooring, and thoughtful updates throughout. The kitchen has been refreshed with modern cabinetry, granite countertops, stainless steel appliances, and a functional layout that flows naturally into the living and dining areas. Recessed lighting, updated interior doors and hardware, and improved finishes enhance the home’s move-in ready appeal.
Significant upgrades provide meaningful peace of mind. NEW hurricane impact windows were installed in every room in 2025, and the roof structure has been reinforced with hurricane clips, offering enhanced storm protection and potential insurance advantages. The home is also located in a NON-FLOOD ZONE and NON-EVACUATION ZONE—an increasingly important consideration for today’s buyers. Solar panels contribute to energy efficiency and are expected to be paid off at closing, offering long-term cost savings. Both bathrooms have been updated with high vanities, granite countertops, new toilets, and refreshed finishes. One features a walk-in tile shower, while the other includes a tub, providing flexibility for different preferences. The bedroom layout offers separation and privacy, with the primary suite delivering generous space, ample storage, and a comfortable retreat. Additional key updates include a 2023 HVAC system and a 2021 water heater. Outdoor living is a standout feature. A covered and screened rear porch extends the living space, creating a comfortable setting for relaxation or entertaining. Beyond that, the fully fenced backyard offers privacy and versatility, ideal for pets, gatherings, or future customization. The above-ground pool enhances the Florida lifestyle, while a detached shed provides additional storage. An oversized 2-car garage adds further functionality. Ideally located near schools, shopping, dining, and medical facilities, this home is also just a short drive from Honeymoon Island, Caladesi Island State Park, the Dunedin Causeway, and the vibrant downtown areas of Palm Harbor, Dunedin, and Tarpon Springs, with Tampa International Airport approximately 45 minutes away. Opportunities within Highland Lakes offering this level of flexibility, protection, and lifestyle potential are limited, making this a compelling option for full-time residents, seasonal buyers, and those ready to act in today’s market. SELLER IS OFFERING A $10, 000 CREDIT TOWARD A NEW ROOF.
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William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $340,000 | $340,000 | $340,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.524% | 5.866% |
| Monthly Tax Payment | $403 | $403 | $403 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,038 | $2,121 | $2,801 |
| Total Monthly Payment | $2,516 | $2,599 | $3,279 |
* 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.