Highland Lakes in Palm Harbor

Highland Lakes,
Palm Harbor Homes for Sale

55-plus active-adult golf community · Palm Harbor · ZIP 34684

A 55-plus active-adult golf community on Lake Tarpon in Palm Harbor.

55-plus active adultResident 27-hole golfLake Tarpon access
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a 55-plus active-adult community where an HOA fee covers the golf and the amenity package, so confirm the current fee and exactly what is included; homes vary in age and updates from the late 1970s to the late 1980s, so read condition and systems, and confirm the flood zone for a specific home.
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Unlock Off-Market Highland Lakes

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseStellar MLS
n/a
Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Highland Lakes is a 55-plus active-adult community in Palm Harbor, in Pinellas County on Lake Tarpon, so the read is an amenity-rich, age-restricted lifestyle read: public sources describe a community built between about 1977 and 1989 with roughly 2,454 attached villas and single-family homes, including single-story homes, villas, and condos, with a resident 27-hole executive golf course made up of three 9-hole courses (Red, White, and Blue), a main clubhouse, tennis, shuffleboard, bocce, pickleball, an outdoor pool, a woodworking shop, a stained-glass studio, and Lake Tarpon access. The HOA fee covers the golf and the amenity package, so confirm the current fee and exactly what is included. Because homes range from the late 1970s to the late 1980s, the read is condition and systems, and the flood zone should be confirmed for a specific home. The low-maintenance, amenity-rich lifestyle is the draw. Your leverage is reading the HOA, the home's systems, and the flood picture before you buy."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Highland Lakes is a 55-plus active-adult community in Palm Harbor, in the 34684 ZIP, in Pinellas County on Lake Tarpon, just northwest of Tampa. Public sources describe a community built between about 1977 and 1989 with roughly 2,454 attached villas and single-family homes, including single-story homes, villas, and condos.

The amenity package is the draw: public sources describe a resident 27-hole executive golf course made up of three 9-hole courses (Red, White, and Blue), a main clubhouse with a card room, a billiards room, a library, meeting rooms, and a ballroom for dinners, dances, and fitness, plus tennis, shuffleboard, bocce, pickleball, an outdoor pool, a woodworking shop, a stained-glass studio, and Lake Tarpon access. An HOA fee covers the golf and the amenity package, so confirm the current fee and exactly what is included.

The defining read is the HOA and the home. The HOA fee and what it includes drive the carrying cost, and because homes range from the late 1970s to the late 1980s, condition and systems vary home to home. Confirm the current HOA fee and inclusions, read the roof, HVAC, and systems on a specific home, and confirm the flood zone before you offer.

For buyers who want a low-maintenance, amenity-rich 55-plus lifestyle on Lake Tarpon near the Gulf, Highland Lakes is a distinctive option. The work is confirming the HOA fee and inclusions, reading the home's age and systems, and confirming the flood picture honestly before you buy.

Best for

  • Buyers who want a low-maintenance 55-plus active-adult lifestyle
  • Anyone drawn to a resident 27-hole executive golf course on Lake Tarpon
  • Buyers who value a clubhouse, tennis, pickleball, and lake access
  • Buyers who will confirm the HOA fee, home systems, and flood zone

Probably not for

  • Buyers who do not meet the 55-plus age restriction
  • Anyone seeking the lowest possible monthly cost with no amenities
  • Buyers who will not read a late-1970s to 1980s home's condition and systems
  • Buyers who want a brand-new build or a maintenance-free condo with no HOA

How Highland Lakes is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
72Median days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Highland Lakes listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Highland Lakes buys, holds, and resells. See the five factors.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

Highland Lakes sits in Palm Harbor, with everyday shopping, major roads, and the wider Tampa Bay area within a reasonable drive.

US-19~5-10 min · regional retail corridor
Lake Tarpon~1-3 min · community lake access
Gulf beaches (Honeymoon Island)~15-25 min · barrier-island state park
Tampa International Airport (TPA)~30-40 min · via US-19 and the bridges
Tarpon Springs Sponge Docks~15-20 min · historic waterfront district
Countryside Mall~10-15 min · regional shopping

Distances and times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Highland Lakes,Palm Harbor Homes for Sale with Momentum Realty’s local guides.

AGArbor Glen Homes for Sale in Palm Harbor, FLPalm Harbor, FL · adjacentPRPine Ridge atPalm Harbor Homes for SalePalm Harbor, FL · 0.2 miBGBeacon Groves Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.2 miWWWedge Wood ofPalm Harbor Homes for SalePalm Harbor, FL · 0.3 miPAPatty Ann Acres Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.3 miLOLaurel Oak WoodsPalm Harbor Homes for SalePalm Harbor, FL · 0.3 miHGHilltop GrovesEstates Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.4 miGVGreen Valley Estates Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.4 miGCGleneagles Cluster Homes for Sale in Palm Harbor, FLPalm Harbor, FL · 0.5 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Highland Lakes (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Pinellas County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Highland Lakes is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Pinellas County Public Schools (verify by address)

Verifyrating
By address

Confirm zoned elementary, middle, and high

Verifyrating
Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Highland Lakes address.

The takeaway

What is actually shaping value at Highland Lakes: the resident 27-hole golf and amenities, the age and systems of the homes, the HOA fee and inclusions, and established 55-plus demand near the Gulf. The community item is sourced and linked.

Recent Developments in Highland Lakes

Our read on what is being built around Highland Lakes, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe resident 27-hole golf and the full amenity package on Lake Tarpon support demand, while the defining watch items are the HOA fee and what it includes, the age and systems of a late-1970s to 1980s home, and the flood picture for a specific home.

Resident 27-hole golf and full amenities on Lake Tarpon

Ongoing
BullishMajor impact
SignificanceRadius: Community

A resident 27-hole executive golf course, a clubhouse, tennis, pickleball, and a pool on Lake Tarpon is a distinctive draw.

Homes from the late 1970s to 1980s, read condition and systems

Ongoing
NeutralMajor impact
SignificanceRadius: Community

Homes range from the late 1970s to the late 1980s, so condition and systems vary; read the roof, HVAC, and systems on a specific home.

HOA covers golf and amenities, confirm the fee

Ongoing
NeutralNotable impact
SignificanceRadius: Community

An HOA fee covers the golf and the amenity package; confirm the current fee and exactly what is included.

Established 55-plus demand near the Gulf

Ongoing
BullishNotable impact
SignificanceRadius: Community

An established 55-plus active-adult community near the Gulf supports steady demand for the lifestyle.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Highland Lakes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. January 2024
    Community

    Highland Lakes, a 55-plus golf community on Lake Tarpon

    Highland Lakes is a 55-plus active-adult community in Palm Harbor on Lake Tarpon, built about 1977 to 1989, with a resident 27-hole executive golf course, a clubhouse, tennis, and a pool. Why it matters: An amenity-rich 55-plus community; confirm the HOA fee and what the golf and amenities include. Source

Development alerts for Highland LakesGet a short monthly email when something new is approved, funded, or opens near Highland Lakes.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Highland Lakes, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA fee and inclusions first. Ask for the current fee and exactly what the golf and amenity package include before you judge any home.

2

Read the home's age and systems. Homes range from the late 1970s to the late 1980s, so pull the roof, HVAC, and major systems on a specific home.

3

Confirm the flood zone. Pull the flood zone and a flood and insurance read for the specific home before you offer.

4

Verify the 55-plus status. Confirm the age restriction and occupancy requirements apply to your situation.

5

Match the home to the amenities you will use, from the 27-hole golf to tennis, pickleball, the woodworking shop, and the stained-glass studio.

Best Buy
A well-kept, updated single-family home or villa in a sound association
Biggest Risk
Deferred systems on an older home or an HOA fee whose inclusions you have not confirmed
Best Lot
A home with a golf-course or lake-oriented position
Smart Timing
Confirm the HOA fee and inclusions, the home's systems, and the flood zone
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Highland Lakes is a 55-plus active-adult community in Palm Harbor, in the 34684 ZIP, in Pinellas County on Lake Tarpon, just northwest of Tampa. Public sources describe a community built between about 1977 and 1989 with roughly 2,454 attached villas and single-family homes, including single-story homes, villas, and condos. Amenities for residents include a resident 27-hole executive golf course made up of three 9-hole courses (Red, White, and Blue), a main clubhouse with a card room, a billiards room, a library, meeting rooms, and a ballroom for dinners, dances, and fitness, plus tennis, shuffleboard, bocce, pickleball, an outdoor pool, a woodworking shop, a stained-glass studio, and Lake Tarpon access. An HOA fee covers the golf and the amenity package, so confirm the current fee and exactly what is included. The defining factors in value are the HOA and the home: the HOA fee and inclusions, the age and systems of a late-1970s to 1980s home, and the flood picture for a specific home drive the real cost of ownership and resale.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry Villa or Condo

Original or lightly updated villas and condos with the full amenity access, the entry into 55-plus Highland Lakes living, priced for updates.

Lowest entry
The Updated Single-Family Home

Renovated single-story single-family homes with modern systems in a sound association, the heart of the resale market here.

Most inventory
The Premium Golf or Lake Home

Updated homes with the best golf-course or lake-oriented position, the homes that hold value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

The Entry Villa or Condo
Original or lightly updated villas and condos with the full amenity access, the entry into 55-plus Highland Lakes living, priced for updates.
The Updated Single-Family Home
Renovated single-story single-family homes with modern systems in a sound association, the heart of the resale market here.
The Premium Golf or Lake Home
Updated homes with the best golf-course or lake-oriented position, the homes that hold value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Location within Palm HarborStrong
Established communityPositive
HOA and CDD postureConfirm per parcel
Home condition and systemsVerify per home
Flood read per lotVerify per address

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Highland Lakes

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The golf and the lake sell the lifestyle. The deal is won or lost on the HOA fee and inclusions, the home's age and systems, and the flood read.

Jon Brooks · Founder, Momentum Realty
7.8B+ · Buy Score
Resale Strength7.6/10
Renovation Risk6.2/10
Location Efficiency8.4/10
Long-Term Defensibility7.4/10
Carrying Cost Advantage6.6/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Highland Lakes is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take
  • The lot and the homesite are the scarce, durable asset here
  • A better-positioned lot holds value at resale
  • The homesite cannot be changed, the house can
  • Read the lot and the flood zone before the finishes
  • Condition and renovation level drive the number

In Highland Lakes, the part of your money the market protects is the lot, the position, and the condition of the home. Read the lot, the homesite, and the flood zone first, then price the condition and the renovation level against it.

Highland Lakes in 15 seconds.

Best forBuyers who want a low-maintenance, amenity-rich 55-plus lifestyle on Lake Tarpon near the Gulf.
Biggest advantageA resident 27-hole executive golf course with a clubhouse, tennis, pickleball, and lake access.
Biggest riskAn older home's systems and an unconfirmed HOA fee or flood picture on a late-1970s to 1980s home.
Sweet spotA well-kept, updated single-family home or villa in a sound association with the amenities you will use.
Avoid ifYou do not meet the 55-plus age restriction or want a new build with no HOA and no amenity homework.

HOA, CDD & Fees

15-Second Take
  • HOA fee covers golf and amenities, no CDD expected (confirm)
  • Confirm the current fee and exactly what is included
  • Resident 27-hole executive golf plus clubhouse
  • Read a late-1970s to 1980s home's condition and systems
  • Confirm the flood zone for a specific home

An HOA fee applies and public sources describe it covering the golf, the clubhouse, and the amenity package, so it covers more than a typical HOA fee; no CDD is expected, so confirm there is no CDD. Confirm the current HOA fee, the reserves, and exactly what the golf and amenities include for a specific home.

Public sources describe the fee covering the resident 27-hole executive golf course, the clubhouse, and the amenities; confirm exactly what is included and review the reserves.

Public sources describe a main clubhouse with a card room, a billiards room, a library, meeting rooms, and a ballroom for dinners, dances, and fitness, plus a resident 27-hole executive golf course (three 9-hole courses, Red, White, and Blue), tennis, shuffleboard, bocce, pickleball, an outdoor pool, a woodworking shop, a stained-glass studio, and Lake Tarpon access.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Highland Lakes, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Palm Harbor 55+, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Highland Lakes home worth?

Get a no-obligation home value based on real comparable sales in Highland Lakes matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Highland Lakes on the map →
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Real comps, not a Zestimate.

Highland Lakes Market Scorecard

Strong seller's market

Highland Lakes is currently a strong seller's market. About 1.8 months of supply, a median asking price of $1,019,500, and homes go under contract in about 79 days.

1.8
Months supply
$1,019,500
Median list
$847,500
Median sold
$313
Per sqft
79
Days on mkt
6/8/41
Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Highland Lakes?
It is a 55-plus active-adult community in Palm Harbor, in the 34684 ZIP, in Pinellas County on Lake Tarpon, just northwest of Tampa.
Is Highland Lakes a 55-plus community?
Yes. It is an age-restricted 55-plus active-adult community. Confirm the age restriction and occupancy requirements apply to your situation.
Is there golf at Highland Lakes?
Yes. Public sources describe a resident 27-hole executive golf course made up of three 9-hole courses (Red, White, and Blue). Confirm what the golf includes under the HOA fee.
What amenities are available?
Public sources describe a main clubhouse with a card room, billiards room, library, meeting rooms, and a ballroom, plus tennis, shuffleboard, bocce, pickleball, an outdoor pool, a woodworking shop, a stained-glass studio, and Lake Tarpon access.
What does the HOA fee include?
Public sources describe an HOA fee covering the golf, the clubhouse, and the amenity package, so it covers more than a typical HOA fee. Confirm the current fee, the reserves, and exactly what is included.
Is there a CDD at Highland Lakes?
No CDD is expected. It is an HOA community rather than a CDD community. Confirm there is no CDD and confirm the HOA fee for a specific home.
What kinds of homes are here?
Public sources describe roughly 2,454 attached villas and single-family homes, including single-story homes, villas, and condos, built between about 1977 and 1989. Condition and updates vary home to home.
How old are the homes?
Public sources describe homes built between about 1977 and 1989, so they range from the late 1970s to the late 1980s. Read the roof, HVAC, and major systems on a specific home.
How far is Highland Lakes from the beaches and US-19?
US-19 is roughly five to ten minutes by car, and the Gulf beaches at Honeymoon Island about fifteen to twenty-five minutes.
How far is Highland Lakes from the airport?
Tampa International Airport is roughly thirty to forty minutes by car via US-19 and the bridges.
What should I check before buying here?
Confirm the current HOA fee and exactly what it includes, read the home's age, condition, and systems, confirm the flood zone for the specific home, and confirm the 55-plus age restriction applies to your situation.
Is Highland Lakes in a flood zone?
The flood picture varies by home and elevation. Confirm the flood zone and a flood and insurance read for the specific home before you offer.
Can I use the woodworking shop and stained-glass studio?
Public sources describe a woodworking shop and a stained-glass studio among the resident amenities. Confirm access and any rules under the HOA.
Should I use the listing agent to buy here?
No. The listing agent works for the seller. In a 55-plus golf community where the HOA inclusions, the home's age and systems, and the flood picture swing value, having your own representation is the highest-leverage decision you make.
Buyers who want a low-maintenance 55-plus active-adult lifestyleExcellent fit
Anyone drawn to a resident 27-hole executive golf course on Lake TarponExcellent fit
Buyers who value a clubhouse, tennis, pickleball, and lake accessExcellent fit
Buyers who will confirm the HOA fee and exactly what it includesExcellent fit
Buyers who will read a late-1970s to 1980s home's condition and systemsExcellent fit
Buyers who do not meet the 55-plus age restrictionProbably not
Anyone seeking the lowest possible monthly cost with no amenitiesProbably not
Buyers who will not read an older home's condition and systemsProbably not
Buyers who want a brand-new build with no HOAProbably not
Buyers who will not confirm the HOA inclusions and the flood zoneProbably not

Get the inside read on Highland Lakes

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Highland Lakes home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Highland Lakes specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Highland Lakes — what to look for, questions to ask, and your local expert.
Stellar MLS logoMLS GRID logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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; deemed reliable but not guaranteed by MLS GRID.

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