Highland Lakes
Homes for Sale in Palm Harbor, FL
All 554 homes for sale in Palm Harbor, FL · median $374,450 · 143 homes for sale in 34684 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, highland lakes unit fifteen ph 3 in Palm Harbor, FL has 2 homes for sale. Over the 12 months ending 2026-09-12, 5 recorded sales closed at a median of $487,000, $270 per square foot, a median 39 days on market, sellers accepting 96% of original asking (-10% versus the prior year). Homes listed or recently sold were built 1983 - 1985; 8 of 9 report an HOA (median $164/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 54 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $9,440 ($8,630 with the full homestead exemption).
Highland Lakes right now
🟡 Balanced market. 4.0 months of supply and 33% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 12, 2026. Confidence: Medium (3 active and pending listings, 5 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($487K) is down 9.8% from the prior 12 months ($540K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 12. Confidence: Low (5 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Highland Lakes market snapshot (as of September 12, 2026): the median sale price is about $487K ($270 per sq ft over the trailing 12 months of closed sales), a median 39 days on market for closed sales, and 4.0 months of supply, a balanced market. The trailing-12-month median is down 10% from the prior 12 months, computed from record-level Stellar MLS closed sales (5 closings in the current window).
In ZIP 34684 (Palm Harbor), 621 homes closed in the last 12 months at a median of $350K ($256/sq ft), down 2.8% year over year, with a median 46 days on market. Right now 124 active and 33 pending listings put supply at about 4.2 months - a balanced market. See the live ZIP 34684 housing market and the Pinellas County market.
Highland Lakes is a community of 91 homes in Palm Harbor, Pinellas County, built between 1983 and 1985 (median 1984), with a median living area of about 2,018 square feet. 77% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($487K) IS the median in the snapshot above, and the move from 2025 ($540K) IS the -9.8% one-year change.
Windows contain 0 to 9 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Highland Lakes Unit Fifteen Market Scorecard
Highland Lakes Unit Fifteen is currently a balanced market. About 4.0 months of supply, a median asking price of $481,950, and homes go under contract in about 64 days.
Typical home value in the 34684 ZIP is $325,020, about 3.6% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Highland Lakes
Live MLS inventory for Highland Lakes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Highland Lakes listings as of 2026-09-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
Highland Lakes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County Schools (verify by address) · Public
- Highland Lakes Elementary (nearby, verify zoning)FLDOE grade B · Public
- Confirm zoned middle and high by address · By address
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Highland Lakes address.
Shop the zone: Homes zoned for Palm Harbor Univ High-Pn High School
The Highland Lakes buying strategy.
If we were buying in Highland Lakes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Highland Lakes.
A closer look at the Highland Lakes market
At a median of $270 per square foot, Highland Lakes prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 4.0 months of supply, a balanced market and the trailing-12-month median down 10% year over year. Homes that do trade take a median 39 days on market, useful leverage on any listing that has lingered.
The housing stock is 91 homes built between 1983 and 1985, and 77% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Highland Lakes. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Highland Lakes buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.1). Basis: Recent Direction -9.8% year-over-year; Liquidity & Demand 4.0 months of supply; Owner Commitment 77% owner-occupied; Pricing Power 95.9% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $164/month (about $1,968/yr) · median of 21 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $164 per month ($1,968 a year) - the median AssociationFee across 21 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Highland Lakes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Highland Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Highland Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Highland Lakes home worth?
Get a no-obligation home value based on real comparable sales in Highland Lakes, 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 all homes for sale in Palm Harbor →
Frequently Asked Questions
What is the median home price in Highland Lakes?
How long do homes in Highland Lakes take to sell?
Is Highland Lakes a buyer's or seller's market right now?
How many homes are in Highland Lakes?
What share of Highland Lakes is owner-occupied?
When were the homes in Highland Lakes built?
What schools serve Highland Lakes?
Who is the best real estate agent for Highland Lakes?
How do I find a top Palm Harbor real estate agent who knows Highland Lakes?
Can Momentum Realty connect me with an agent for Highland Lakes?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34684)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2014 (44 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how highland lakes unit fifteen ph 3 fits the bigger picture — live prices, inventory, and Momentum Scores:
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