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$339,950

978 MADRID DRIVE, PALM HARBOR, FL 34684

3D Tour
Active3 days on market

Beds

2

Baths

2

Sq Ft

1,190 sq ft

Year Built

1985

Lot Size

0.11 acres

Garage

1

About This Property

Meticulously maintained Mediterranean style 2 bedroom 2 bath villa with a tile roof, a one car garage, and located on the golf path and adjacent golf tee; a covered open 12 foot breezeway from the pedestrian garage door to front screened porch and into villa front door; extra patio/outside area in front of the garage off breezeway and a generous area in the rear of the villa to enlarge a more spacious patio area. This light, bright and open split bedroom floor plan features separate dining and living rooms, fully equipped updated kitchen with cream cabinets and matching flat surface stove/range, built-in microwave, top freezer and bottom refrigerator, dishwasher and disposal. Speckled cream, taupe and grey corian kitchen counter tops with integrated oversized double sinks. Small eat in kitchen area and small closet pantry. Kitchen has opening to living room and dining rooms on opposite ends of the kitchen. Extra bonus area at the end/rear of the living room that could be utilized as an office. Living room has dry bar with lower cabinet and mirrored shelving from the cabinet top to ceiling; small coat closet just off the living room in hallway. Built in storage cabinet behind pony wall at the far end kitchen/living room opening adjacent to laundry closet for extra storage; rear pedestrian door off bonus area to the backyard patio on the golf path and golf course. Primary bedroom is 14x12 with en-suite featuring double vanity and double sinks plus drawers together with tiled walk-in shower and large walk-in closet with shelving. Second bedroom off front hallway is 12x10 with large walk-in closet; adjacent bath with tiled taupe tub/shower combination and single vanity. Highland Lakes Master Association includes Highland Lakes Clubhouse, Arts and Crafts Annex Building, Highland Lakes Golf Club Building, Clubhouse Pavilion, Cabana Building and The Lake Tarpon Lodge. There are 4 regulation tennis courts with night lighting, a 125,000 gallon Olympic sized pool with heated whirlpool spa; 45,000 gallon pool at the Lake Tarpon Lodge, 8 shuffleboard courts, 2 pontoon touring boats and the boat dock at Lake Tarpon Lodge, 3 nine-hole executive golf courses and bocce ball court. The clubhouse and annex building have card rooms and meeting rooms, arts and crafts studios including a woodworking shop, ceramic studio and sewing studio. You can be as busy or as bored as you desire! There is something for everyone in the active adult 55 plus community at Highland Lakes. The community website is noted below to view all events and facilities. All room sizes are deemed to be approximate. The exterior photos were taken just moments before the torrential rain clouds opened up/our inclement daily weather has delayed the delivery of the interior photos for approximately a week. Call for your private viewing today!

Property Overview

Property TypeResidential
Sub TypeVilla
MLS #TB8556069
StatusActive
Year Built1985
Stories1
Total Rooms12
ConstructionBlock, Stucco
RoofTile
FoundationSlab
FacesSoutheast
SubdivisionHIGHLAND LAKES UNIT NINETEEN PHASE 2
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Open Floorplan, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Walk-In Closet(s), Window Treatments
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
LaundryLaundry Closet
WindowsWindow Treatments
CoolingCentral Air
HeatingCentral, Electric
SecurityFire Alarm, Security System Owned, Smoke Detector(s)

Exterior & Lot

ExteriorPrivate Mailbox, Rain Gutters, Sidewalk
Lot Size0.11 acres (4,687 sq ft)
Lot FeaturesConservation Area, In County, Landscaped, On Golf Course, Sidewalk
Road SurfacePaved, Asphalt
ViewGolf Course, Trees/Woods
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Fire Hydrant, Sewer Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOAYes
HOA Fee$275 / Monthly
Senior CommunityYes

Financial Details

List Price$339,950
Annual Taxes$5,447 (2026)
FinancingCash, Conventional
ZoningRPD-7.5
Parcel #052816389230000170

Schools

ElementaryHighland Lakes Elementary-PN
MiddleCarwise Middle-PN
HighPalm Harbor Univ High-PN

Directions

From McMullen Booth take Tampa Road west; right or North at Lake St. George Drive to 4 way stop. Go through 4-way stop at Highland Blvd and take 2nd left which is Madrid. Villa will be on the right.

Location

978 MADRID DRIVE, PALM HARBOR, FL 34684

Listing Information

OfficeRE/MAX REALTEC GROUP INC
ListedOctober 10, 2026

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Preferred Time

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Home Price

$339,950

20% ($67,990)
6.75%

Loan Term

Principal & Interest$1,764
Property Tax (est.)$312
Insurance (est.)$150
Total Monthly$2,226
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $339,950 home in PALM HARBOR.

🏦

Conventional

$16,998 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 13, 2026.

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