Available for immediate occupancy, this serene 2-bedroom, 2-bathroom split-plan villa in **Natures Cove** Highland Lakes Palm Harbor’s premier 55+ golf community, offers low-maintenance living in a vibrant, amenity-rich setting, where you can create your own equity in the newest villa neighborhood. Step into a spacious, light-filled open floor plan with a generous living and dining area, perfect for entertaining guests or relaxing in comfort. The kitchen features ample cabinetry and a convenient breakfast nook, while the split-bedroom layout ensures privacy for both owners and guests. This move-in-ready home is your gateway to an exceptional lifestyle. Natures Cove, the newest villa section in Highland Lakes, with a low $205 monthly fee covering lawn care, irrigation, exterior painting, pressure washing, cable TV, internet, trash, and recycling. Residents enjoy a dynamic community with free unlimited golf on three private executive courses, complimentary RV/boat storage, tennis and pickleball courts, and a bustling main clubhouse at 3300 Macgregor Dr. The clubhouse features an Olympic-sized heated pool, spa, shuffleboard, craft rooms, professional woodshop, library, billiards, and a multi-purpose auditorium hosting dances, shows, and social events. On the shores of Lake Tarpon, the Lake Tarpon Lodge at 127 Lakeside Dr offers a heated pool, whirlpool, fishing pier, private boat ramp, community pontoon boats for scenic tours, plus a veranda, fireplace, and kitchen for gatherings. With fitness programs, hobby clubs, and arts activities, Highland Lakes fosters an active, social lifestyle surrounded by breathtaking nature views. Located in a secure, high-elevation area outside the flood hazard zone, this villa is minutes from award-winning Gulf beaches, top-tier shopping, dining, professional sports venues, cultural attractions, premier medical facilities, and two international airports. Ready to embrace the best of 55+ living and build equity in Palm Harbor’s fastest-growing active-adult enclave? Schedule a tour to experience the main clubhouse and Lake Tarpon Lodge, your dream home awaits!
For sale
Price cut: $19.1K (11/14)
$349,900
3532 Cayman Ct, Palm Harbor, FL 34684
2beds
1,280sqft
Est.:
Villa
Built in 1991
3,507 Square Feet Lot
$-- Zestimate®
$273/sqft
$369/mo HOA
What's special
Heated poolProfessional woodshopSplit-bedroom layoutFishing pierOlympic-sized heated poolCraft roomsMulti-purpose auditorium
- 48 days |
- 696 |
- 6 |
Likely to sell faster than
Zillow last checked: 8 hours ago
Listing updated: December 07, 2025 at 10:41am
Listing Provided by:
Jessica Christianson 719-229-1763,
EXP REALTY LLC 888-883-8509
Source: Stellar MLS,MLS#: TB8431710
Originating MLS: Sarasota - Manatee
Originating MLS: Sarasota - Manatee
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Attic
Primary bedroom
- Features: Ceiling Fan(s), En Suite Bathroom, Walk-In Closet(s)
- Level: First
Bedroom 2
- Features: Ceiling Fan(s), Built-in Closet
- Level: First
Primary bathroom
- Features: Dual Sinks, En Suite Bathroom, Exhaust Fan, Shower No Tub
- Level: First
Bathroom 2
- Features: Exhaust Fan, Tub With Shower
- Level: First
Kitchen
- Level: First
Laundry
- Level: First
Living room
- Features: Ceiling Fan(s)
- Level: First
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Dryer, Ice Maker, Microwave, Range, Refrigerator, Washer
- Laundry: Inside
Features
- Cathedral Ceiling(s), Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Vaulted Ceiling(s)
- Flooring: Ceramic Tile, Laminate
- Doors: Sliding Doors
- Windows: Blinds, Window Treatments
- Has fireplace: No
Interior area
- Total structure area: 1,280
- Total interior livable area: 1,280 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Garage - Attached
- Attached garage spaces: 2
Features
- Levels: One
- Stories: 1
- Exterior features: Irrigation System, Rain Gutters
- Has private pool: Yes
- Pool features: Heated
- Spa features: In Ground
- On waterfront: Yes
- Waterfront features: Lake, Waterfront
Lot
- Size: 3,507 Square Feet
Details
- Parcel number: 052816389350000080
- Zoning: RPD-7.5
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Villa
Materials
- Block
- Foundation: Slab
- Roof: Shingle
Condition
- Completed
- New construction: No
- Year built: 1991
Utilities & green energy
- Sewer: Public Sewer
- Water: None
- Utilities for property: Cable Connected, Electricity Connected, Sewer Connected, Street Lights, Water Connected
Community & HOA
Community
- Features: Community Boat Ramp, Dock, Lake, Private Boat Ramp, Water Access, Waterfront, Buyer Approval Required, Clubhouse, Deed Restrictions, Fitness Center, Golf Carts OK, Golf, Irrigation-Reclaimed Water, Pool, Sidewalks, Special Community Restrictions, Tennis Court(s)
- Senior community: Yes
- Subdivision: HIGHLAND LAKES
HOA
- Has HOA: Yes
- Amenities included: Pool, Shuffleboard Court, Tennis Court(s)
- Services included: Cable TV, Common Area Taxes, Community Pool, Internet, Maintenance Grounds, Manager, Private Road, Recreational Facilities
- HOA fee: $369 monthly
- HOA name: Nature's Cove HOA/Monarch
- HOA phone: 727-204-4766
- Second HOA name: Highland Lakes HOA
- Pet fee: $0 monthly
Location
- Region: Palm Harbor
Financial & listing details
- Price per square foot: $273/sqft
- Tax assessed value: $305,317
- Annual tax amount: $1,435
- Date on market: 10/22/2025
- Cumulative days on market: 49 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Asphalt
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/14/2025 | Price change | $349,900-5.2%$273/sqft |
Source:  Stellar MLS #TB8431710 Report a problem | ||
| 11/6/2025 | Price change | $369,000-5.1%$288/sqft |
Source: Stellar MLS #TB8431710 Report a problem | ||
| 10/22/2025 | Listed for sale | $389,000+159.3%$304/sqft |
Source: Stellar MLS #TB8431710 Report a problem | ||
| 7/1/2002 | Sold | $150,000$117/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,435 +3% | $120,992 +3% |
| 2023 | $1,393 -1.7% | $117,468 +3% |
| 2022 | $1,417 -0.7% | $114,047 +3% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$2,721/mo
Principal & interest
$1702
Property taxes
$528
Other costs
$491
Climate risks
Neighborhood: 34684
Nearby schools
GreatSchools rating
- 4/10Highland Lakes Elementary SchoolGrades: PK-5Distance: 0.5 mi
- 7/10Joseph L. Carwise Middle SchoolGrades: 6-8Distance: 0.6 mi
- 7/10East Lake High SchoolGrades: PK,9-12Distance: 3.1 mi
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