3251 MCMATH DRIVE, Palm Harbor, FL, 34684 | $299,000

Welcome to this 3-bedroom, 2-bathroom villa situated on a corner lot in the highly sought-after 55+ community of Highland Lakes in Palm Harbor. This clean and move-in-ready villa offers comfort in an active Florida lifestyle community. Major updates include a 2018 roof, 2022 A/C system, and 2023 water heater. Step inside through the foyer entrance featuring a convenient coat closet and high ceilings that create a bright and spacious feel. The living room and dining room combination provides an open layout ideal for entertaining and everyday living. The kitchen features updated cabinets and countertops, matching appliances, abundant storage space, a breakfast nook, and a convenient pass-through window to the dining area. The spacious primary bedroom includes dual closets and a private en-suite bathroom with a glass-enclosed step-in shower and built-in bench seating. Two additional bedrooms provide flexibility for guests, hobbies, or a home office. A dedicated washer and dryer closet adds everyday convenience. Enjoy relaxing year-round in the enclosed lanai complete with its own window A/C unit. The two-car garage offers additional storage and parking space, while the corner lot provides added curb appeal. Highland Lakes offers exceptional resort-style amenities including golf access, tennis courts, pickleball, bocce ball and shuffleboard courts, an Olympic-sized heated pool and spa, and a vibrant clubhouse featuring a library, card and game rooms, crafts, clubs, and endless social activities. Conveniently located near multiple restaurants, shopping centers, and just a short drive to the Gulf beaches, this home is the perfect opportunity to enjoy the best of Florida living. Schedule your showing today!

Features

  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside
  • Year Built: 1982
  • Garage: 2-car Driveway, Garage Door Opener, Golf Cart Parking, Underground
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,332
  • Acreage: 0.15
  • Est. Taxes: $1,379
  • HOA Fee: $163 Monthly
  • Adult Communities: Yes
  • Elem. School: Highland Lakes Elementary-PN
  • Middle School: Carwise Middle-PN
  • High School: Palm Harbor Univ High-PN
  • Pet Policy: Number Limit, Size Limit, Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8512566
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8512566/3251mcmathdrive_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 5/30/2026 9:05:00 PM)

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Eddie FlorianSales Associate

Eddie.Florian@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.

Francine SilbermanVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69244

914.260.2006

Francine.Silberman@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

Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69957

914.260.5535

Mace.Rattet@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

Gene RahillyInsurance Sales Director, William Raveis Insurance

917.494.9386

Gene.Rahilly@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

3251 MCMATH DRIVE, Palm Harbor, FL, 34684

$299,000

Eddie Florian

Sales Associate

William Raveis Real Estate

Phone: 203.847.6633

Eddie.Florian@raveis.com

Francine Silberman

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.2006

Francine.Silberman@raveis.com

NMLS Mortgage Loan Originator ID 69244

Mace L. Rattet

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.5535

Mace.Rattet@raveis.com

NMLS Mortgage Loan Originator ID 69957

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $239,200 $239,200 $239,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $115 $115 $115
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,433 $1,492 $1,970
Total Monthly Payment $1,623 $1,682 $2,160

* 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.