Palm Harbor Homes with Association Recreation - Owned Community Features

Palm Harbor Homes with Association Recreation - Owned Community Features

Welcome to Palm Harbor, a charming city located in Pinellas County, Florida. Known for its picturesque landscapes and vibrant community, Palm Harbor offers a perfect blend of small-town charm and modern amenities.

One of the standout features of the real estate in Palm Harbor is the abundance of homes within Association Recreation-Owned communities. These communities provide residents with exclusive access to a range of recreational facilities and activities, fostering a strong sense of community and camaraderie among neighbors. From swimming pools and tennis courts to clubhouse events and social gatherings, there is always something exciting happening in these sought-after neighborhoods.

Living in a community with Association Recreation-Owned features not only enhances your quality of life but also offers a unique opportunity to connect with like-minded individuals who share your interests and passions. Whether you're looking to stay active, socialize with neighbors, or simply relax in a beautiful setting, Palm Harbor's homes with these community features are sure to exceed your expectations.

If you're searching for a home that combines comfort, convenience, and a strong sense of community, Palm Harbor's Association Recreation-Owned communities are the perfect choice. Explore the available properties in this charming city and discover the joy of living in a vibrant and welcoming community.

Newest Palm Harbor Homes with Association Recreation - Owned Community Features

2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code

Welcome to this spacious and well-maintained 2-bedroom, 2-bath home in the highly sought-after 55+ community of Highland Lakes! This home offers over 1,700 heated square feet of living space, a flexible office that could also serve as a third bedroom, and plenty of room to make it your own. Nestled on a quiet cul-de-sac with no through traffic, the property features an oversized, nearly quarter-acre lot. Inside, you'll find a versatile floor plan with both a formal living room and a comfortable family room, along with a large Florida room overlooking the spacious backyard. The generously sized primary suite offers plenty of room for a king-size bedroom set, a walk-in closet, an additional built-in closet, and a private en-suite bath with a walk-in shower. The split-bedroom layout provides privacy for guests, with the second bedroom located on the opposite side of the home and conveniently positioned near the hall bath with a tub/shower combination. A 2021 ROOF and location in a non-flood and non-evacuation zone provide added peace of mind. And then there's the Highland Lakes lifestyle! With an incredibly affordable HOA fee of only $164 per month, residents enjoy unlimited FREE golf on three private executive courses, plus tennis, pickleball, bocce, shuffleboard, fitness classes, entertainment, clubs, and countless social activities at the vibrant clubhouse. The private Lake Tarpon Lodge offers a boat ramp, fishing pier, and community pontoon boats, while complimentary RV and boat storage and golf cart-friendly streets make enjoying the community even easier. Ideally located just minutes from beautiful Gulf beaches, shopping, dining, healthcare, professional sporting venues, two international airports, and a cruise port, this home offers an incredible opportunity to enjoy the best of the Florida lifestyle. This home is ready for your personal touch - come see all this wonderful home and exceptional community have to offer!

1745 Dugall Court, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code

Virtually Staged. A MUST SEE! Beautifully updated and move-in ready with a charming cottage feel, this 2-bedroom, 2-bath home is nestled in Palm Harbor’s premier 55+ golf community of Highland Lakes. Freshly landscaped and thoughtfully updated, the home welcomes you through an elegant glass front door into a bright, open-concept living space filled with natural light. Fresh modern interior paint, chair rail accents, new fans and fixtures, updated door hardware, and smooth ceilings (no popcorn!) add to the home’s timeless appeal! The spacious Florida room offers peaceful, private green views through hurricane-impact windows and opens through double glass doors to a fully enclosed lanai, not included in the living square footage, providing additional space for relaxing or entertaining. The oversized 1-car garage is truly exceptional, featuring BRAND-NEW epoxy flooring, freshly painted walls, a BRAND-NEW exterior garage door, and a BRAND-NEW mini-split AC system that keeps the space ice cold year-round—perfect for a workshop, hobby space, or additional storage! The beautifully updated kitchen features quartz countertops, solid wood cabinetry, a large pantry, tray ceiling, and a bright eat-in dining nook. The generous primary suite offers a BRAND-NEW renovated walk-in shower, BRAND-NEW vanity with stone countertop, spacious walk-in closet, and an additional built-in closet for plenty of storage. MAJOR updates include a 2019 HVAC system, 2018 electrical panel, hurricane-impact windows, and a cost-saving deep well. Situated in a non-evacuation, high-and-dry zone, this home offers added peace of mind. Highland Lakes offers an exceptional active 55+ lifestyle with a remarkably low HOA fee of just $164/month, including unlimited FREE golf on three private executive courses, tennis, pickleball, bocce, shuffleboard, fitness classes, entertainment, and an array of social activities. Residents also enjoy the lakeside lodge on Lake Tarpon, complete with a private boat ramp, fishing pier, and community pontoon boats, plus FREE RV and boat storage. The community is fully golf cart-friendly, making it easy to enjoy all the amenities and connect with neighbors. Ideally located near Gulf beaches, excellent dining and shopping, top-rated healthcare, major sports venues, two international airports, and a cruise port, this exceptional home offers the perfect combination of comfort, style, amenities, and the active Florida lifestyle. Don’t miss this rare opportunity in Highland Lakes—schedule your private showing today!

2336 Malcolm Drive, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ The Landings Condo SubDv. ⋅ 34684 Zip Code

Beautiful 2-bedroom, 2-bath condo in the highly desirable Landings community with serene pond and pool views, offering Highland Lakes amenities and privileges with purchase! Pride of ownership is evident throughout, featuring seamless tile flooring, crown molding, chair rail accents, indoor laundry, and new hurricane-impact slider that opens to a screened lanai for year-round enjoyment. The updated kitchen boasts stunning granite countertops, solid wood cabinetry, an eat-in nook for casual dining, and a convenient pass-through to the dining area for easy entertaining. The spacious primary suite offers tranquil water views, TWO closets with custom shelving, and an updated en-suite bath with a newer vanity and walk-in shower. The second bedroom provides flexible space for guests, a home office, or makes for the perfect craft room. Additional highlights include an updated electrical panel (2020), newer HVAC, association-maintained roof, no upstairs neighbors, and a covered carport with the community pool just steps away! Located as part of Highland Lakes, Palm Harbor’s premier golf and lakefront community, residents enjoy exceptional amenities including FREE UNLIMITED GOLF on three private executive courses, free RV or boat storage, and a vibrant clubhouse with an Olympic-size heated/cooled pool, whirlpool spa, fitness center, pickleball, tennis, shuffleboard, bocce, and a full calendar of social activities. The Lake Tarpon Lodge offers a second heated pool, fishing pier, picnic facilities, and pontoon boat access with rides to a local waterfront restaurant. Situated in a high-and-dry in a NON-FLOOD ZONE and conveniently close to Gulf beaches, airports, shopping, dining, medical facilities, entertainment, and just a few short steps to Trader Joes - this move-in-ready condo offers carefree Florida living at its finest. Don't wait and make this piece of paradise yours today!

2700 Nebraska Avenue Unit 5-205, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code

This charming single-story, block-built villa located in the desirable Highland Lakes 55+ community features 2 bedrooms, 2 bathrooms, an attached one-car garage, a full-size washer and dryer, and an easy-to-maintain homesite. Per the County, this property is located in a non-flood zone, and there is no CDD in this neighborhood. A standout 2026 upgrade is the replacement of all 8 windows with PGT impact-resistant, ENERGY STAR® windows, offering added storm protection, energy efficiency, and everyday peace of mind. This significant improvement combines durability and efficiency while providing a valuable upgrade for Florida living. Enjoy an exceptional sense of privacy with no neighbor on the right and no neighbor directly behind the property. The villa is surrounded by a huge yard, creating an expansive, open feel with plenty of green space all around. Enjoy the convenience of a thoughtfully sized floor plan that's ideal for year-round Florida living or a seasonal retreat. Nestled within the established Highland Lakes 55+ community in Palm Harbor, this home provides access to the active Florida lifestyle Highland Lakes is known for, with recreational and golf amenities nearby. The location puts you close to shopping, dining, medical facilities, recreation, and everything the Palm Harbor area has to offer, while the Gulf Coast's beautiful beaches and attractions are within easy reach. Whether you're looking to simplify your lifestyle, enjoy the Florida sunshine, or make Palm Harbor your home, 945 Madrid Drive offers an excellent opportunity to enjoy one of northern Pinellas County's established 55+ communities. Less than 30 minutes to St. Pete Beach, which was named the #1 Beach in America and the Fifth Best Beach in the World. Please view two videos: Tour 1 & Tour 2.

945 Madrid Drive, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ Lake Tarpon Mobile Home Village SubDv. ⋅ 34684 Zip Code

Lake Tarpon Village is an excellent over 55 community located on Lake Tarpon, with a full dock, resident boat slips, private boat ramp, boat and trailer storage, and a nice waterfront park. The clubhouse has a huge heated pool, hot tub, bocce ball, shuffleboard, and a very nice clubhouse and community center. It’s very golf cart friendly, and has many nice restaurants within walking distance, or you can ride your golf cart. This home has 1200 ft.², two bedrooms, two full bathrooms, and a large extra room connected to the living room, that could be used as an office, sewing room, or even converted to a third bedroom for guests. Recently all the flooring has been replaced with luxury vinyl plank, and any sub flooring has been updated to feel solid and not creek when you walk on it. Followed by baseboards, two completely renovated bathrooms, and a full interior painting. The home faces south, which keeps the living room and family room light and bright. Especially at sunrise, when you can sit in your screened porch area and enjoy the cool morning breeze.

55 Lexington Court Unit 12, Palm Harbor

3 Beds ⋅ 2 Baths ⋅ Highland Lakes Unit Eighteen SubDv. ⋅ 34684 Zip Code

Welcome to this beautifully updated home in Highland Lakes, Palm Harbor’s premier 55+ community, ideally situated on a large corner lot. Featuring a desirable split-bedroom floor plan, this home has been extensively updated over the past year, making it truly move-in ready. Major improvements include a new roof (2025), new HVAC system (2025) with a 5-year maintenance plan, new water heater and whole-house water filtration system (2025), new gutters, and replacement windows, some of which are hurricane rated. The interior has been refreshed from top to bottom with popcorn ceilings removed and retextured, new ceiling vents, updated electrical switches and outlets, new door hardware, and fresh interior paint throughout. The kitchen was completely remodeled in 2026 with new cabinetry, quartz countertops, backsplash, sink, garbage disposal, recessed lighting, and microwave. A newer refrigerator and range complete the space. Both bathrooms have also been updated, including a completely renovated guest bath with new tile, shower, shower door, vanity, lighting, fixtures, and flooring. The primary bath features a new shower, shower door, and toilet. Additional updates continue throughout the home. The laundry room features a newer washer and dryer, flooring, utility sink, backsplash, and lighting. The garage offers an insulated new garage door, upgraded garage floor, overhead and additional storage shelving, attic steps, updated entry and service doors, and ceiling improvements. The enclosed lanai provides additional comfortable living space and has been extensively improved with a raised floor, new insulated drywall ceiling, mini-split HVAC system, window treatments, lighting, ceiling fan, and new exterior door. Outside, you'll find updated landscaping, a paver patio, irrigation for the landscaping, exterior landscape lighting in the front, and a freshly painted front porch, creating an inviting and well-maintained outdoor setting. Highland Lakes offers an impressive selection of amenities designed for an active and social lifestyle. Residents enjoy complimentary golf on three private executive courses, along with RV and boat storage. Tennis and pickleball, fitness classes, clubs, games, and activities provide something for nearly every interest. The main clubhouse and Lake Lodge host a variety of social events and entertainment, while the Arts & Crafts building offers a woodshop, art studios, and classes. All of this is just minutes from Gulf beaches, shopping, dining, professional sports, two international airports, and medical services. Located above the flood plain and in a non-evacuation zone, Highland Lakes combines a convenient Palm Harbor location with an active, amenity-filled lifestyle. With extensive updates already completed, this move-in-ready home allows you to spend less time on projects and more time enjoying everything Highland Lakes has to offer.

3558 Oak Lake Drive, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ Lake Tarpon Mobile Home Village SubDv. ⋅ 34684 Zip Code

Health Issues. Must sell! Private Financing Available. $175k – YOU OWN THE LAND— No Lot Rent! NEW ROOF 9/25 and a rare FENCED YARD. Only 10 homes out of 500 here have an HOA-Approved fenced backyard. Rare 2% find for pet owners… This land-owned 6,300 sqft lot is the only property available where you can build an addition to expand or add a standalone functional guest house, studio, or workshop... Enjoy a private community boat ramp for Lake Tarpon access and a HEATED pool. 55+ LIFESTYLE! Located in the desirable Village of Lake Tarpon golf cart community, only 10 miles to Honeymoon Island Beach. Sold TURNKEY, fully furnished. This well-cared-for, non-smoker, 2BR/2BA home includes a 180 sqft versatile flex room, totaling 1,044 sqft of living space. View virtually staged 3rd bedroom… Lowest HOA around ($110/m) in a preferred Zone X. No Flood Insurance Required... Newer updates include a 2018 A/C, updated plumbing and electrical plus a practical golf cart charging station. THE DEAL: Title to the mobile home is retired and classified as real property (Land Owned). NO LOT RENT! Financing available. Contact agent for lender terms and requirements. View all photos to appreciate this prime lakeside retirement retreat featuring a Key West vibe!

183 Philadelphia Boulevard Unit 22, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ Highland Lakes Condo SubDv. ⋅ 34684 Zip Code

Welcome to Andover Village in the Highland Lakes active 55+ community. This unit offers 2 bedrooms, 2 full baths, eat in kitchen space, as additional Florida room. The attached, extended one car garage provides a full sized washer and dryer, wash tub as well as water softener. The primary bedroom offers an en suite bathroom and ample sized walk-in closet. The second bedroom includes a custom built-in murphy bed, providing a neat space for guest to sleep then hide away! Community features include golfing, tennis, swimming, shuffleboard, clubhouse with activities and much more. This home is ready for a buyer to come make it your own!

1609 Whitebridge Drive Unit A, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code

Virtually Staged. Welcome to effortless Florida living in this lovely 2-bedroom, 2-bath villa with over 1,300 square feet of living space, plus a fully enclosed bonus lanai and an additional screened patio, located in Palm Harbor’s premier 55+ golf community of Highland Lakes! With soaring vaulted ceilings, an attached 2-car garage, and an impressive list of major updates, this home offers the perfect combination of comfort, style, and peace of mind. Updates include a BRAND-NEW 2026 HVAC, NEW 2025 ROOF, BRAND-NEW 2026 electrical panel to be installed prior to closing, updated windows, and a hurricane-impact glass sliding door! The interior has been freshly painted, with brand-new ceiling fans and fixtures in the main living areas. Inside, the thoughtfully designed split-bedroom floor plan centers around a spacious kitchen featuring abundant counter space, recessed lighting, a built-in pantry, convenient pass-through to the dining/living room combination, and a cozy eat-in nook. The guest bedroom is generously sized and located near the hall bath, which features a tub/shower combination. The expansive primary suite offers a true private retreat with plenty of closet space and an en-suite bathroom complete with a walk-in shower. One of the home’s standout features is the fully enclosed bonus lanai, providing versatile year-round living space that is not included in the home’s heated square footage. Step outside to the additional screened patio and enjoy your morning coffee or beautiful Florida evenings while taking in the peaceful surroundings. Located in pet-friendly Duplex Village II, this villa enjoys the lowest monthly fee in Highland Lakes at just $172/month, which includes cable, internet, lawn service, irrigation, trash, recycling, and pest control. The home is also situated in a non-evacuation zone and safely above the flood plain, providing additional peace of mind. Highland Lakes residents enjoy an active country-club lifestyle for only $164/month, with unlimited golf on three private executive courses, tennis, pickleball, bocce, shuffleboard, fitness classes, entertainment, and a vibrant clubhouse. Residents also have access to the lakeside lodge on Lake Tarpon, featuring a private boat ramp, fishing pier, community pontoon boats, and free RV and boat storage. With a golf-cart-friendly neighborhood and an abundance of activities, there is always something to enjoy. Conveniently located near award-winning Gulf beaches, shopping, dining, top medical facilities, sports venues, and international airports, this rare Highland Lakes villa is truly move-in ready and offers the best of easy Florida living. Don't miss your opportunity to make this beautiful home your own—call today!

3300 Mcmath Drive, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ Highland Lakes Villas On The Green SubDv. ⋅ 34684 Zip Code

Virtually Staged. This beautiful and spacious 2-bedroom, 2-bath villa, complete with an attached oversized garage and indoor laundry, offers nearly 1,300 heated square feet in Palm Harbor’s premier high-and-dry 55+ golf and lakefront community of Highland Lakes. Move-in ready and filled with natural light, this desirable split-bedroom floor plan features BRAND-NEW luxury vinyl plank flooring, fresh interior paint, and new ceiling fans in both the main living area and primary bedroom. Large windows and an oversized skylight fill the main living space with an abundance of natural light, creating a bright and welcoming atmosphere. The spacious primary suite features a large walk-in closet plus an additional built-in closet, dual-sink vanity, skylight, and convenient step-in shower. The well-appointed eat-in kitchen offers updated soft-close cabinets, a generous closet pantry and a convenient pass-through window to the dining room. An inviting bonus room with sliding doors opens to the rear patio, providing the perfect space for outdoor furniture and grilling, while the lush green privacy hedge creates a peaceful and private setting. The oversized attached garage provides plenty of room for both your car and golf cart, while the indoor laundry and utility room add everyday convenience. MAJOR UPDATES provide peace of mind, including a BRAND-NEW (2026) electrical panel, (2021) ROOF, (2019) electric water heater, and hurricane-impact windows in both bedrooms, and the glass slider hurricane shutter offers additional hurricane protection! Even better, this villa is situated safely above the flood plain and in a non-evacuation zone. Enjoy MAINTENANCE-FREE LIVING for a very reasonable monthly fee that includes cable, internet, lawn, trash, sewer/water, building insurance, and exterior pest control while taking advantage of the exceptional amenities Highland Lakes has to offer. Residents enjoy free green fees on three private executive golf courses, as well as tennis, pickleball, bocce, and shuffleboard leagues and clinics. Stay active with health and fitness classes, including yoga and aerobics, or enjoy the scenic golf cart paths as walking and jogging trails. The main clubhouse hosts a variety of entertainment and social events, while the Arts & Crafts Annex offers classes, studios, and a full woodshop. Numerous clubs and groups provide opportunities to connect with neighbors and enjoy a wide variety of hobbies, games, and interests. At Lake Tarpon Lodge, residents can enjoy a second heated pool, picnic and party facilities, a fishing pier, community pontoon boats, and secure complimentary RV or boat storage. Come discover the carefree lifestyle, outstanding amenities, and welcoming community of Highland Lakes—where it's time to enjoy the best of your life!

3370 Stonehaven Court W Unit B, Palm Harbor

1 Beds ⋅ 1 Baths ⋅ Highland Lakes Condo SubDv. ⋅ 34684 Zip Code

Welcome to this beautifully updated home in a desirable 55+ community, offering comfort, privacy, and low-maintenance Florida living. The interior features LVP flooring throughout, with tile in the bathrooms, plantation shutters, and hurricane-grade windows and doors. The spacious bedroom offers TWO walk-in closets and opens to a private back patio, perfect for enjoying your morning coffee or the Florida sunshine. The kitchen features quartz countertops and updated cabinetry, while the bathroom has also been updated with quartz countertops, updated cabinetry, and a convenient walk-in shower. The Florida room provides flexible additional space for a home office, sitting area, hobby room, or bonus room. Enjoy the convenience of a private 1-car garage and a desirable corner location with plenty of room for parking. The HVAC system was serviced in July 2026 and is in great working condition. A FULL ROOF REPLACEMENT was completed in July 2026 and is covered through the HOA dues. NO SPECIAL ASSESSMENTS, with all assessments paid in full. Best of all, the property is located in Flood Zone X (no flood insurance required), and the HOA fee covers nearly everything except electricity, making for convenient and predictable living expenses. A wonderful opportunity to enjoy an updated, move-in-ready home with the space, features, and easy Florida lifestyle you’ve been looking for.

1614 Berwick Court Unit D, Palm Harbor

2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code

Beautiful Villa in a Prime Highland Lakes Location! Don’t miss this well-maintained and thoughtfully updated 2-bedroom, 2-bath villa in one of Highland Lakes’ most desirable locations. This inviting home showcases elevated ceilings, a highly sought-after floor plan, and a spacious layout designed for comfortable Florida living. The two generously sized bedrooms feature excellent flexibility for guests, a home office, or a private retreat. The oversized garage provides abundant space for your vehicle, storage, golf cart, bicycles, tools, and everything that comes with the Florida lifestyle. The updated kitchen includes beautiful wood cabinetry, granite countertops, and an excellent appliance package. The spacious living room features plenty of room to relax or entertain, and both bathrooms have been tastefully updated with a clean, contemporary style. The additional Florida room is a great feature—perfect for entertaining, hobbies, reading, crafting, home office, or simply enjoying the natural light and peaceful surroundings. Additional features include updated impact-rated insulated windows, updated textured ceilings (no popcorn), a 2018-dimensional shingle roof, whole house water filtration system, updated electrical panel with a separate generator transfer station panel. A wonderful solar tube skylight that adds natural light into the main living area and more!!!Property is in a no flood zone and a non-evacuation zone for peace of mind. Highland Lakes is a premier 55+ community showcasing an exceptional Florida lifestyle with unlimited free golf green fees on three 9-hole executive courses, a beautiful clubhouse, two swimming pools, tennis, pickleball, bocce ball, numerous clubs and activities, and countless opportunities to meet and socialize with neighbors. Residents also enjoy access to 2,600-acre Lake Tarpon through the community’s private boat ramp and nearby dock. Volunteer boat captains are available to take residents out on the lake, making it easy to enjoy boating and the natural beauty of one of the area’s most desirable recreational destinations. The Lake Tarpon Lodge features additional amenities, including a second pool and spa, along with convenient onsite nearby RV and boat storage. Conveniently located near Tampa, two major Airports, Gulf beaches, parks, shopping, dining, and entertainment, this villa showcases spacious living, meaningful updates, and an exceptional Florida lifestyle. If you’ve been waiting for the right villa in Highland Lakes, this one is worth seeing. IMPORTANT TAX BENEFIT FOR OUT-OF-STATE BUYERS RELOCATING TO FLORIDA: Florida voters will decide Amendment 3 on November 3, 2026. If approved, qualifying out-of-state buyers who establish Florida residency on or before December 31, 2026 may be eligible for a significantly increased homestead exemption beginning in 2027—up to $150,000 for the non-school portion of property taxes and up to $250,000 beginning in 2028. Buyers who establish Florida residency on or after January 1, 2027 would initially receive the existing $50,000 non-school exemption and generally would not qualify for the increased exemption until their fifth year of homestead eligibility. Buyers should consult the appropriate Property Appraiser and tax professional regarding individual eligibility.

3253 Mcmath Drive, Palm Harbor

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