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$499,900

3280 SKENE TERRACE, PALM HARBOR, FL 34684

Active21 days on market

Beds

3

Baths

2

Sq Ft

1,863 sq ft

Year Built

1979

Lot Size

0.24 acres

Garage

2

About This Property

Virtually Staged. Experience the best of Florida living in this beautifully renovated and rarely available 3-bedroom, 2-bath, 2-car garage home with nearly 1,900 heated square feet, a large interior laundry room, and an oversized nearly quarter-acre lot perfectly situated on a quiet cul-de-sac just steps from the main clubhouse in Palm Harbor’s premier 55+ golf community, Highland Lakes! Everything is NEW, NEW, NEW! From the moment you step inside, you’ll be greeted by stunning new flooring flowing seamlessly throughout the home, fresh paint and baseboards, all-new fans, fixtures and hardware, new recessed lighting, zero popcorn ceilings, a skylight in the main living area, large updated windows, and beautiful views throughout the newly opened floor plan. The remodeled and opened kitchen is a true showstopper, featuring floor-to-ceiling solid wood cabinetry, gorgeous quartz countertops, a cozy breakfast nook for casual dining, and all-new sleek stainless-steel appliances. The oversized primary suite offers plenty of room for a king-size bedroom set plus additional space perfect for a home office or cozy sitting area, along with a massive walk-in closet and fully renovated en-suite bath featuring a new stone-top vanity, mirror, lighting, and glass-enclosed walk-in shower. Two additional spacious bedrooms provide comfortable accommodations for guests and endless flexibility for an office, craft room, or additional living space. The large Florida room provides even more space for relaxing or entertaining and opens to an additional fully enclosed bonus lanai that is not included in the home’s heated/cooled square footage. Major improvements include a new A/C system (2026), updated electrical panel (2023), new roof (2022), and new water heater (2025). The home is also ideally situated high and dry in a NON-FLOOD ZONE and NON-EVACUATION ZONE! Highland Lakes offers an incredible lifestyle with a low HOA fee that includes unlimited FREE GOLF on three private executive courses, tennis, pickleball, bocce, shuffleboard, an active clubhouse with countless clubs, activities and fitness classes, plus exclusive access to the Lake Tarpon Lodge featuring a private boat ramp, fishing pier and pontoon boats. Residents also enjoy complimentary RV and boat storage and golf-cart-friendly streets. Just minutes from award-winning Gulf beaches, restaurants, shopping, healthcare, major airports and the Port of Tampa, this exceptional home offers the perfect combination of location, amenities and the Florida lifestyle you’ve been dreaming of. Better than new construction and completely turnkey—just bring your belongings and enjoy! Schedule your private showing today!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8552436
StatusActive
Year Built1979
Stories1
Total Rooms10
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesWest
SubdivisionHIGHLAND LAKES
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Skylight(s), Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
FlooringLuxury Vinyl
AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
WindowsStorm Window(s)
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorPrivate Mailbox, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.24 acres (10,594 sq ft)
Lot Dimensions79 x 115
Lot FeaturesCul-De-Sac, Level, Near Golf Course, Oversized Lot, Sidewalk
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$164 / Monthly
Senior CommunityYes

Financial Details

List Price$499,900
Original Price$510,000
Annual Taxes$2,202 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningRPD-7.5
Parcel #052816389020000460

Directions

US 19 N to Highland Lakes main entrance (fountains) north of Nebraska. Follow entrance road to a left onto MacGregor Dr. Take a left onto Glengarry Dr. Take a right onto Skene Terr to property located at end of the cul-de-sac.

Location

3280 SKENE TERRACE, PALM HARBOR, FL 34684

Listing Information

OfficeCOLDWELL BANKER REALTY
ListedSeptember 26, 2026

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Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$499,900

20% ($99,980)
6.75%

Loan Term

Principal & Interest$2,594
Property Tax (est.)$458
Insurance (est.)$150
Total Monthly$3,202
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How to Buy This Home

Multiple financing options available for this $499,900 home in PALM HARBOR.

🏛️

FHA Loan

$17,497 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$24,995 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 17, 2026.

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