Highland Lakes Homes under $400,000

Highland Lakes Homes under $400,000

Welcome to Highland Lakes, a serene and picturesque subdivision nestled in the heart of sunny Florida. Known for its inviting atmosphere and vibrant community, Highland Lakes offers residents a perfect blend of relaxation and recreation. Whether you're a first-time homebuyer, a growing family, or looking to downsize, this charming neighborhood has something for everyone.

One of the standout features of Highland Lakes is its affordability. With a variety of beautiful homes available for under $400,000, you can find your dream residence without breaking the bank. These well-maintained properties boast a range of styles, from cozy single-family homes to modern townhouses, ensuring that you can discover the perfect fit for your lifestyle and budget.

Living in Highland Lakes means enjoying a wealth of amenities right at your doorstep. Residents have access to scenic parks, walking trails, and sparkling lakes, perfect for leisurely strolls or picnics with family and friends. The community also hosts various social events throughout the year, fostering a strong sense of camaraderie among neighbors.

Conveniently located near major highways, Highland Lakes provides easy access to nearby shopping centers, dining options, and entertainment venues. Plus, with the stunning Gulf Coast beaches just a short drive away, you can indulge in sun-soaked weekends and breathtaking sunsets.

If you’re searching for an affordable yet vibrant community in Florida, Highland Lakes is the perfect place to call home. Come explore the possibilities and discover the charm of this delightful subdivision today!

Newest Highland Lakes Homes under $400,000

1622 Highland Club Lane, Palm Harbor
$319,000
2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code
RARE SUTTON PLACE MODEL—JUST 0.2 MILES FROM THE CLUBHOUSE! Skip the busy-road golf cart ride and enjoy being just steps from Highland Lakes’ clubhouse. JUST $164/MONTH HOA—YES, REALLY! This pet-friendly villa offers incredible value in one of Palm Harbor’s most sought-after 55+ communities. This beautifully maintained 2-bedroom, 2-bath villa features 1,100+ square feet, a screened-in front porch, an oversized garage with room for your car AND golf cart, and a tucked-away stone patio perfect for morning coffee or relaxing outdoors. Step inside to a welcoming foyer that opens to a spacious living room with a clear sightline to the rear sliding glass doors and peaceful, landscaped patio. The practical layout places both bedrooms and bathrooms on one side, with the kitchen, dining area, and garage access on the other. VALUABLE UPDATES & EVERYDAY SAVINGS: Roof and A/C approximately 6 years old; water heater approximately 3 years old; newer carpet; microwave and stove updated in 2023; and newer garage door opener. Owners report average summer electric bills of approximately $75. ONLY $164/MONTH HOA—AND PET-FRIENDLY! Enjoy Highland Lakes’ active lifestyle, including an executive 27-hole golf course, two pools, tennis, pickleball, fitness activities, clubs, arts and crafts, a lakeside lodge, captained pontoon outings on Lake Tarpon, a fishing dock, boat access, and RV/boat storage. HIGHER GROUND, ADDED PEACE OF MIND. Located on some of Pinellas County’s higher ground, this villa is outside a designated flood zone and hurricane evacuation zone—important considerations when choosing a Florida home near the coast. PALM HARBOR LIVING, WITH TAMPA BAY WITHIN REACH. Nearby shopping includes Publix, Walmart, Trader Joe’s, and Sprouts. Explore the restaurants, local boutiques, and live music of downtown Palm Harbor, Dunedin, and Tarpon Springs. Enjoy the Gulf beaches of Honeymoon Island, nature trails, wildlife, and spectacular sunsets. Tampa International Airport, downtown Tampa, and downtown St. Petersburg are generally about 30–40 minutes away, depending on traffic and destination. DON’T MISS THIS RARE HIGHLAND LAKES FIND! A desirable Sutton Place model, close to the clubhouse, pet-friendly, and just $164/month HOA—an exceptional combination of location, lifestyle, and value. SCHEDULE YOUR PRIVATE SHOWING TODAY!

1622 Highland Club Lane, Palm Harbor

8221 Normandy Drive, Weeki Wachee
$299,990
3 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34613 Zip Code
Virtually Staged. Completely renovated and packed with upgrades, this 3-bedroom, 2-bathroom Weeki Wachee home delivers the perfect blend of modern style and outdoor living! Featuring a brand-new roof and HVAC, an open layout, soaring vaulted ceilings, a split-bedroom floorplan, and a 2-car garage, this home is ready for its next owner. The beautifully updated interior features fresh paint inside and out, new flooring, lighting, and ceiling fans throughout. The showstopping kitchen boasts sleek new cabinetry, gorgeous quartz countertops, stainless steel appliances, a breakfast bar, and a spacious island with additional seating and storage. Both bathrooms have also been tastefully remodeled with tiled showers, stylish new vanities, and modern finishes. Step outside to the large covered and screened wooden deck, where you can unwind, entertain, or fire up the grill while enjoying peaceful lake views. Need extra room for your toys? The detached carport is perfect for storing an additional vehicle, boat, or other recreational gear. Love the outdoors? You're in the right place! Enjoy kayaking, swimming, and the famous mermaid shows at Weeki Wachee Springs State Park, spend a day at Pine Island Park, or head to nearby Gulf beaches and public boat ramps just 10–15 minutes away. Fishing, boating, and spectacular sunsets are all within easy reach! Shopping, dining, medical facilities, and major roadways are close by, with Spring Hill just a short drive away. Fresh renovations, a lake-view backyard, and peaceful Florida living await!

8221 Normandy Drive, Weeki Wachee

1382 Glengarry Drive, Palm Harbor
$400,000
2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code
Welcome to Highland Lakes, a 55+ community on Lake Tarpon, where comfortable Florida living meets an incredible active-adult lifestyle. This 2-bedroom, 2-bath home offers 1,376 square feet of living space, plus a BONUS ENCLOSED FLORIDA ROOM (not included in square footage). Enjoy your morning coffee, entertain guests, pursue a hobby or simply relax while taking in the surrounding Florida nature and wildlife. The home is located in FLOOD ZONE X and features IMPACT WINDOWS, NEW WATERPROOF VINYL FLOORING, A 3-YEAR-OLD ROOF and a GENERATOR SUBPANEL for added peace of mind. Highland Lakes offers an exceptional array of amenities all included in the low HOA fee. Enjoy unlimited resident golf on three private executive courses or try your hand at tennis, pickleball, bocce and shuffleboard. Take a dip in the olympic-size geothermal-heated pool or spa and mingle with new friends. The clubhouse offers billiards, arts and crafts, woodworking, a lending library and access to the community's lakeside Lodge. Take a tour of Lake Tarpon on the community pontoon boat, and enjoy RV AND BOAT PARKING available to residents, making it easy to enjoy the best of the Florida lifestyle both on and off the water. And then there's the LOCATION, LOCATION, LOCATION. You're approximately 15 minutes from award-winning Gulf Coast beaches, perfect for sunset watching. Head north to the famous Sponge Docks of Tarpon Springs for restaurants and shopping, or south to charming Dunedin for boutique shops, restaurants and entertainment. Innisbrook Golf & Spa Resort is just minutes away, so grab your tickets for the Valspar Championship. Pinellas County parks, Lake Tarpon, cultural attractions, museums, galleries and Tampa Bay's many dining and entertainment destinations are all within easy reach. Tampa International and St. Pete-Clearwater airport are just a short drive away. With the important upgrades already taken care of, all that's left is to pack your bags, clear your calendar and start enjoying the golf, beaches, boating and everything else this incredible Florida lifestyle has to offer.

1382 Glengarry Drive, Palm Harbor

2950 Curling Court, Palm Harbor
$300,000
2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code
Exceptional value in highly sought after Highland Lakes! This beautifully remodeled 2-bedroom, 1.5-bath, 1 car garage single family home is ideally situated on a desirable oversized corner lot in one of Florida’s premier 55+ communities. The home offers a fresh, modern feel with new windows, new interior and exterior paint, Completely remodeled kitchen with brand new cabinetry, quartz countertops, stainless steel appliances, updated lighting, and laminate wood flooring throughout. The beautiful fully remodeled bathrooms feature new tile, faucets, finishes, and fixtures. A spacious enclosed Florida room with air conditioning provides additional living space and the perfect spot to relax or entertain. Major updates include a newer A/C system installed in 2024 and a new electrical panel installed in 2023. Highland Lakes offers an exceptional resort-style lifestyle. Residents enjoy an impressive array of amenities, including lighted tennis and pickleball courts, two sparkling pools, shuffleboard courts, a clubhouse with fitness center and auditorium, and exclusive access to the Lake Tarpon Lodge featuring a boat ramp, dock, and community pontoon boats for enjoying beautiful Lake Tarpon. With its extensive amenities, active social atmosphere, and Florida lifestyle, Highland Lakes is a wonderful place to call home. Move-in ready, beautifully updated, and packed with desirable upgrades, this is one you won’t want to miss!

2950 Curling Court, Palm Harbor

2336 Malcolm Drive, Palm Harbor
$389,000
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

945 Madrid Drive, Palm Harbor
$255,000
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

3300 Mcmath Drive, Palm Harbor
$299,900
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

26744 Racquet Circle, Leesburg
$279,000
3 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34748 Zip Code
Virtually Staged. WELCOME to 26744 Racquet Circle where your next chapter begins. Once through the welcoming screened entry way, you’ll be greeted by a spacious view of the living space with lots of natural light. The move-in ready, recently professionally painted 2,017 square foot home features luxury vinyl plank and tile flooring throughout, a 3-bedroom 2-bathroom split floor plan and an oversized 2-car garage with screen sliders. The bright and spacious kitchen with its stainless-steel package and gas range, Corian countertops, breakfast nook and bar with generous storage with pull-out cabinets and an abundance of countertops. The open concept of the kitchen overlooks the family room which is designed for both everyday living and entertainment. On the other side of the family room is a Florida room – a tranquil retreat with a wet bar to relax in or step outside to the adjoining screened patio which is perfect for outdoor living. The primary bedroom offers an ensuite bathroom with dual sinks, a jetted and relaxing soaker tub, a walk-in shower with a Rain showerhead, and a large walk-in closet. On the other side of the home, the spacious 2nd and 3rd bedrooms have oversized closets. This flexible floor plan is perfect for guests, hobbies or an office. Upgrades include a 2019 ROOF, a 2022 WATER HEATER, and recently installed REVERSE KITCHEN OSMOSIS and WATER SOFTNER SYSTEMS. The convenient indoor laundry room with a gas dryer adds to the home's convenience while the transferable termite bond brings peace of mind. The Carrier 2014 HVAC system has been maintained semi-annually. Highland Lakes is one of Lake County’s most established and rich amenity 55+ communities offering an impressive array of amenities for only $135- a month. Residents enjoy the sparkling indoor and outdoor pools along with a spacious clubhouse with a fitness center, game and meeting rooms, billiards and ping pong, a craft room with a kiln, an extensive library, a catering kitchen, an indoor arena with a stage for live entertainment and community events. Outdoor amenities include walking trails, fishing ponds, lighted tennis and pickleball courts, shuffleboard, bocce ball, horseshoe pits, a softball field with concession stand, a covered picnic pavilion with grills, a Craftsmen Club / Wood Working Shop (join for just $12 annually), an RV and boat storage (included in HOA), a golf driving range and catch and release fishing lakes. Enjoy the peaceful surroundings of Highland Lakes which are designed for an engaging lifestyle. Schedule a showing today!

26744 Racquet Circle, Leesburg

2942 Macalpin Drive W, Palm Harbor
$289,900
2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code
OPPORTUNITY KNOCKS IN HIGHLY SOUGHT-AFTER HIGHLAND LAKES! Welcome to one of Palm Harbor's premier 55+ golf communities, where resort-style amenities and an active lifestyle await. This very spacious 2-bedroom, 2-bath split plan home needs a little TLC and feels much bigger when you walk in then the actual heated square footage due to the addition of a florida room and bonus room. This home can easily be turned into a 3 bedroom and offers exceptional value and endless potential for buyers looking to make it their own.This is one you must see in person to understand and fully appreciate it's potential. Inside, you'll appreciate the generous layout featuring two separate living areas plus a versatile bonus/flex room just off the kitchen, ideal as a family room, Florida room, home office, hobby space, or reading retreat. The split-bedroom floor plan provides added privacy for both owners and guests. The kitchen features solid wood cabinetry, newer stainless steel appliances, abundant storage, and a functional layout that opens to the main living areas. Impact-resistant windows throughout the home are under warranty, only 4 years old and provide peace of mind, energy efficiency, and storm protection, while plantation shutters add charm and character in several rooms. A Brand New water heater was installed this year in 2026. Roof is 2009 and in very good shape. AC works good but is older. Some areas of the home feature tile flooring, while others offer carpet, giving buyers the opportunity to update and personalize the home to their own taste and style. The seller has already relocated, making this an excellent opportunity to own one of the best values in Highland Lakes. Life in Highland Lakes is second to none! Residents enjoy an incredible array of amenities, including: Unlimited golf on a 27-hole executive golf course (three private 9-hole courses included with HOA membership) Two community pools, including a 125,000 gallon geothermal-heated Olympic sized pool with heated whirlpool spa at the clubhouse, plus a second geothermal-heated pool overlooking beautiful Lake Tarpon Tennis and pickleball courts Clubhouse with fitness center and activity rooms Billiards, woodworking, ceramics, arts & crafts, and hobby studios Dozens of clubs, social events, dances, classes, and year-round activities Scenic walking paths and picturesque lakes Lake Tarpon access with community pontoon boats, fishing opportunities, and RV/boat storage (subject to association availability) Whether you're searching for a full-time Florida residence or the perfect seasonal retreat, this home offers great bones, a spacious and functional floor plan, valuable upgrades, and the chance to create your dream home in one of Palm Harbor's most desirable active adult communities. Bring your vision and discover why Highland Lakes continues to be one of Tampa Bay's most sought-after 55+ communities!

2942 Macalpin Drive W, Palm Harbor

133 Stafford Circle, Palm Harbor
$359,000
2 Beds ⋅ 2 Baths ⋅ Highland Lakes SubDv. ⋅ 34684 Zip Code
OH MY GOODNESS.... The cutest of the cute... This adorable single family home in sought out spectaculer HIGHLAND LAKES on LAKE TARPON is a 55+Community with FREE 3 EXECUTIVE GOLF courses... waiting just for you! PRIDE OF OWNERSHIP AND VERY WELL MAINTAINED HOME COMES TO MIND WHEN ENTERING THIS HOME.... A charming 2 bedroom, 1.5 bath 1 car garage will check all the boxes...ROOF (2026) ... AIR CONDITIONING (2026)... TANKLESS WATER HEATER (NEWER) ....UPGRADED BREAKER BOX...WATER SOFTENER (NEWER)...CROWN MOLDING IN ALL ROOMS... NEUTRAL COLORS...ALL HURRICANE RESISTANT WINDOWS (NEWER) 2 SCREENED IN FLORIDA ROOMS FOR ENTERTAINING.... DOORS REMOVED TO EXTEND LIVING AREA FOR A FAMILY ROOM...BEAUTIFUL TEXTURED DRIVEWAY ....The backyard has a park like setting with loads of LANDSCAPING for PRIVACY.. FRONT YARD had beautiful lush landscaping too. Driveway has a special look/coating....This wonderful community sits on Lake Tarpon...for pontoon boat rides sign up at Clubhouse once you before a Home Owner here with Lunch at Tarpon Turtle. The Clubhouse has many clubs and amenities for it's residents. Pickelball, tennis, bocce ball, shuffleboard, Men's Club, Women's Club, Water Aerobics, Line Dancing, Yoga. Photography Club, Wood Working, Ceramics Take a tour of Clubhouse at 3300 MacGregor Drive with heated pool and Jazucci The Clubhouse on Lake Tarpon has heated pool too.FREE Boat & RV Storage at this location. Don't miss this opportunity to Own a WONDERFUL home in Highland Lakes. You won't regret it... .

133 Stafford Circle, Palm Harbor

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