3271 MCMATH DRIVE, PALM HARBOR, FL, 34684
Active46 days on marketListed Jun 4, 2026MLS #TB8514165
About this home
3271 MCMATH DRIVE
BEAUTIFULLY UPDATED, HIIGHLAND LAKES 2BD/2BA, 1,332 SQ FT VILLA with a SPACIOUS GARAGE in the highly sought-after 55+ Highland Lakes community of Palm Harbor. This home boasts great curb appeal, highlighted by an expanded front walkway, an oversized front patio designed for outdoor enjoyment with a remote-controlled Sunbrella retractable awning, creating the perfect year-round space to relax and entertain. Inside, this pristine residence showcases top-of-the-line upgrades throughout. The updated kitchen features premium cabinetry, quality appliances, and thoughtful finishes designed for both style and functionality. The spacious primary suite includes an enlarged custom closet and tastefully upgraded primary ensuite bath. The guest bedroom offers the added convenience of a Murphy bed for flexible living to use as you wish. Remote-controlled window coverings throughout the home add both comfort and sophistication. The enclosed air-conditioned lanai provides additional living space ideal for entertaining, reading, or enjoying the Florida lifestyle in any season. 2018 HVAC, 2024 EATON CIRCUIT BREAKER. Highland Lakes is one of Pinellas County’s premier active adult communities, known for its resort-style amenities and vibrant social atmosphere. Residents enjoy unlimited golf on three executive 9-hole golf courses with greens fees included in the HOA. The community also features tennis courts, pickleball, shuffleboard, bocce ball, arts and crafts studios, a woodworking shop, interactive theater productions, two heated community pools, and two clubhouses offering an abundance of clubs, activities, dinners, dances, and social events. One of the community’s most unique features is access to beautiful Lake Tarpon, where residents can enjoy pontoon boat rides, lake excursions, and even trips to the popular Tarpon Turtle waterfront restaurant. Boat and RV storage is also available onsite. Goolf Carts OK. Conveniently located near Gulf beaches, shopping, restaurants, parks, and Tampa International Airport, this exceptional villa offers the perfect blend of luxury upgrades, low-maintenance living, and an unmatched active Florida lifestyle. Rarely does a home and community come together so perfectly—this is truly a one-of-a-kind opportunity! Schedule your showing Today before it's gone!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,332
Sqft
0.09 ac
Lot size
2
Garage
1983
Year built
One
Levels
$291
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,107 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,107/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+27.9%
$/sqft vs HIGHLAND LAKES
$291 vs $262
Days on market
46 vs 42 typical
Where $291/sqft sits among the 25 homes for sale in HIGHLAND LAKES
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Highland Lakes
Drive times from this address
Get to know Palm Harbor. See the full Palm Harbor guide →
Highland Lakes — neighborhood snapshot
Population
5,270
Median age
69
Median income
$65,822
Median home value
$287,444
Avg household
2
Households w/ children
226
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
11 of 25
HIGHLAND LAKES have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3271 MCMATH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$275,000
3201 MCMATH DRIVE · same community
2 bd · 2 ba · 1,332 sqft · $206/sqft · 9 DOM
Sold · Dec ’25$290,000
3210 MCMATH DRIVE · same community
2 bd · 2 ba · 1,332 sqft · $218/sqft · 225 DOM
Sold · Feb ’26$365,000
3273 MCMATH DRIVE · same community
2 bd · 2 ba · 1,332 sqft · $274/sqft · 60 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3271 MCMATH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3271 MCMATH DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
3271 MCMATH DRIVE FAQs
What would the monthly payment be for 3271 MCMATH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,107/mo — principal and interest, the actual property-tax bill, the $172/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3271 MCMATH DRIVE?+
The association fee works out to $172 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3271 MCMATH DRIVE?+
The most recent tax bill on record (2025) was $3,854. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3271 MCMATH DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $387,700, this home is listed about 3% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3271 MCMATH DRIVE?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$387,700 runs 58% above the PALM HARBOR 34684 median.
02Strong assigned schools
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $392,700, now $387,700 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Michelle Rinello. MLS #TB8514165.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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