Welcome to this beautifully maintained 2 Bedroom, 2 Bathroom End-Unit Villa in the desirable 55+ community of Nature's Cove at Highland Lakes! One of the unique things about this particular villa, is it is on an oversized lot of 7,645, where other villas in Nature's Cove are much smaller. This bright split floor plan features bay windows in the kitchen and primary bedroom, a spacious primary suite with dual sinks and a large walk-in closet, plus major updates including a new roof (2024), HVAC (2020), and hot water heater (2014). The large 2-car garage offers excellent storage. Highland Lakes is an exceptional 55+ golf community offering 3 private 9-hole courses with unlimited free play, two clubhouses, Olympic sized pool, tennis, pickleball, a wood shop, craft rooms, and more. The Lodge on Lake Tarpon provides an additional pool, whirlpool, fireplace, veranda, and pontoon boat cruises,all included. Secured on-site storage is also available for boats, jet skis, and RVs. Master HOA is $164/month: Clubhouses, pools, 3 golf courses. Nature's Cove is $205/month: Landscaping, trash, cable TV & internet totaling $369 per month. Enjoy maintenance-free living and a vibrant active lifestyle! Schedule your tour today!
For sale
$345,000
3540 Cayman Ct, Palm Harbor, FL 34684
2beds
1,325sqft
Est.:
Villa
Built in 1991
7,645 Square Feet Lot
$-- Zestimate®
$260/sqft
$369/mo HOA
What's special
Olympic sized poolSpacious primary suiteBright split floor planDual sinksLarge walk-in closet
- 27 days |
- 1,323 |
- 47 |
Likely to sell faster than
Zillow last checked: 8 hours ago
Listing updated: December 06, 2025 at 10:38am
Listing Provided by:
Tami Fullen 412-863-8045,
BHHS FLORIDA PROPERTIES GROUP 727-799-2227
Source: Stellar MLS,MLS#: TB8447215
Originating MLS: Suncoast Tampa
Originating MLS: Suncoast Tampa
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Rooms
- Room types: Family Room, Living Room
Primary bedroom
- Features: Ceiling Fan(s), Walk-In Closet(s)
- Level: First
- Area: 259.16 Square Feet
- Dimensions: 12.4x20.9
Bedroom 2
- Features: Ceiling Fan(s), Built-in Closet
- Level: First
- Area: 167.4 Square Feet
- Dimensions: 15.5x10.8
Dining room
- Level: First
- Area: 290.72 Square Feet
- Dimensions: 15.8x18.4
Kitchen
- Level: First
- Area: 87.87 Square Feet
- Dimensions: 8.7x10.1
Living room
- Level: First
- Area: 127.16 Square Feet
- Dimensions: 12.11x10.5
Heating
- Central, Electric, Exhaust Fan
Cooling
- Central Air
Appliances
- Included: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Laundry: Inside, Laundry Room
Features
- Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, L Dining, Primary Bedroom Main Floor, Split Bedroom, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
- Flooring: Carpet, Ceramic Tile, Porcelain Tile
- Windows: Blinds, Window Treatments
- Has fireplace: No
- Common walls with other units/homes: End Unit
Interior area
- Total structure area: 1,325
- Total interior livable area: 1,325 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Driveway, Garage Door Opener, Ground Level, Off Street
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Levels: One
- Stories: 1
- Exterior features: Lighting, Rain Gutters, Sidewalk
- Waterfront features: Lake, Lake Privileges, Boat Ramp - Private, Fishing Pier
- Body of water: LAKE TARPON
Lot
- Size: 7,645 Square Feet
- Features: Conservation Area, Cul-De-Sac, Landscaped, Near Golf Course, Sidewalk
Details
- Parcel number: 052816389350000120
- Zoning: RPD-7.5
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Villa
Materials
- Block, Stucco
- Foundation: Slab
- Roof: Shingle
Condition
- Completed
- New construction: No
- Year built: 1991
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: BB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Sprinkler Recycled, Street Lights, Water Connected
Community & HOA
Community
- Features: Fishing, Lake, Buyer Approval Required, Clubhouse, Deed Restrictions, Golf Carts OK, Golf, No Truck/RV/Motorcycle Parking, Pool, Sidewalks, Tennis Court(s)
- Security: Smoke Detector(s)
- Senior community: Yes
- Subdivision: HIGHLAND LAKES
HOA
- Has HOA: Yes
- Amenities included: Clubhouse, Golf Course, Lobby Key Required, Maintenance, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s)
- Services included: Cable TV, Internet, Maintenance Grounds, Trash
- HOA fee: $369 monthly
- HOA name: Monarch Association
- HOA phone: 727-204-4766
- Second HOA name: Highland Lakes
- Second HOA phone: 727-784-1402
- Pet fee: $0 monthly
Location
- Region: Palm Harbor
Financial & listing details
- Price per square foot: $260/sqft
- Tax assessed value: $312,789
- Annual tax amount: $1,621
- Date on market: 11/13/2025
- Cumulative days on market: 27 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 11/13/2025 | Listed for sale | $345,000+115.6%$260/sqft |
Source:  Stellar MLS #TB8447215 Report a problem | ||
| 10/10/2008 | Sold | $160,000+36.8%$121/sqft |
Source: Public Record Report a problem | ||
| 11/8/1996 | Sold | $117,000$88/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,565 +2.7% | $126,293 +3% |
| 2023 | $1,523 +4% | $122,615 +3% |
| 2022 | $1,464 -0.2% | $119,044 +3% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$2,679/mo
Principal & interest
$1669
Property taxes
$520
Other costs
$490
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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