3215 MCMATH DRIVE, PALM HARBOR, FL, 34684
Active12 days on marketListed Jul 8, 2026MLS #TB8526316
About this home
3215 MCMATH DRIVE
Highland Lakes 55+ Golf Course Community! Welcome home to this light and bright immaculately clean 2-bedroom, 2-bath residence with an oversized 1.5-car garage. Ideally located in a desirable, no flood zone location. The inviting open floor plan features soaring vaulted ceilings and tile flooring throughout, creating a spacious, low-maintenance living environment. The beautifully renovated kitchen is equipped with soft close cabinetry and a tiled backsplash. New in 2021, stainless steel appliances that provides both style and functionality. Both bathrooms have been tastefully updated with modern finishes. Split plan layout affords privacy for guest and the homeowner! The primary bedroom leads to dual customized closets and an en-suite bathroom with glassed in ample sized shower! A spacious, sunny glass-enclosed patio provides valuable additional living space, perfect for relaxing, entertaining, or enjoying your morning coffee year-round. Step outside to the charming brick paver patio surrounded by mature landscaping, creating a peaceful outdoor retreat. Newer Double Paned Windows! Water Softener, HVAC 2021, Window treatments, New ductowork installed throughout home in 2023. Maintainence fee in this lovely 55+ community includes Golfing, Clubhouse, Swimming Pool, Pickle Ball and Tennis Courts. Situated on Lake Tarpon with its own lodge available to all residents of Highland Lakes! Close to TIA, sparkling beaches, groceries, shopping malls and entertainment! No Flood Insurance! With its excellent location, abundant natural light, thoughtful updates, and move-in-ready condition, this home is the perfect combination of comfort, convenience, and Florida living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,332
Sqft
0.09 ac
Lot size
1
Garage
1982
Year built
One
Levels
$270
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.
$3,063 /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
$3,063/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.
$/sqft vs HIGHLAND LAKES
$270 vs $262
Days on market
12 vs 42 typical
Where $270/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)
12 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 47% 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 3215 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3215 MCMATH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3215 MCMATH DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3215 MCMATH DRIVE FAQs
What would the monthly payment be for 3215 MCMATH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,063/mo — principal and interest, the actual property-tax bill, the $336/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 3215 MCMATH DRIVE?+
The association fee works out to $336 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3215 MCMATH DRIVE?+
The most recent tax bill on record (2025) was $3,475. 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 3215 MCMATH DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $359,900, this home is listed about 4% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3215 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.
Keep looking
Similar homes nearby
Listing courtesy of BLAKE REAL ESTATE INC · Jahn Chrisochos. MLS #TB8526316.
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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