Tracy Cooper
LPT REALTY, LLC
(727) 205-8767
47 Total Sales
1 in Palm Harbor
$610,000 Price
3499 Cedar Ln Palm Harbor, FL 34684
Palm Harbor AreaEstimated Value: $303,100
2
Beds
2
Baths
1,230
Sq Ft
$246/Sq Ft
Est. Value
About This Home
As of March 2026One or more photo(s) has been virtually staged. Welcome to this beautifully updated 2-bedroom, 2-bathroom villa located in the highly desirable 55+ community of Highland Lakes in Palm Harbor! This charming residence combines modern upgrades with low-maintenance living, offering both comfort and style. Highlights include a newer roof (2017), water heater (2020), and appliances (2021). The oversized attached one-car garage offers ample storage space. Step through the inviting foyer, with a convenient coat closet, into a spacious open-concept living and dining area featuring wood-look laminate flooring and plantation shutters throughout. The updated kitchen is light and bright, showcasing shaker cabinets, granite countertops, subway tile backsplash with under-cabinet lighting, matching appliances, and an updated light fixture. A separate pantry adds extra storage and convenience. The primary suite includes a large walk-in closet and a private ensuite bath with a walk-in shower. The remodeled guest bath features a new vanity, sink, and toilet, and the guest bedroom also offers its own generous walk-in closet. A bright sunroom at the back of the home provides the perfect spot to relax and enjoy the Florida sunshine year-round. Enjoy resort-style living in this ACTIVE 55+ community, which offers 3 executive golf courses, boat/RV storage, heated pools, tennis and pickleball courts, and a vibrant social calendar. Conveniently located near top dining, shopping, and beautiful Gulf beaches, this home is move-in ready and waiting for you! Don’t miss your opportunity to experience the best of Palm Harbor living. Schedule your showing today!
Last Agent to Sell the Property
EXP REALTY LLC Brokerage Phone: 866-308-7109 License #3115528 Listed on: 10/16/2025
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Home Details
Home Type
Single Family
Year Built
1986
Lot Details
6,098 Sq Ft Lot
HOA Fees
$235 per month
Parking
1
Listing Details
- HOA Fee Includes: Cable TV, Common Area Taxes, Pool, Escrow Reserves Fund, Internet, Maintenance Structure, Maintenance Grounds, Management, Private Road, Recreational Facilities, Trash
- Property Type: Residential
- Property Sub Type: Villa
- Construction Materials: Other
- Fireplace: No
- Living Area: 1230
- Lot Size Acres: 0.14
- New Construction: No
- Year Built: 1986
- Building Area Total: 1230
- Lot Size Sq Ft: 6072
- Status: Sold
- Co List Office Mls Id: MFR260033666
- Co List Office Phone: 866-308-7109
- Ownership: Fee Simple
- Building Area Total Srch Sq M: 114.27
- Escrow City: Palm Harbor
- Escrow State: FL
- Escrow Street Name: US Alt 19, Ste B
- Minimum Lease: No Minimum
- RATIO Current Price By Calculate: 235.77
- Total Acreage: 0 to less than 1/4
- Water Access YN: 0
- Other Fees Amount: 164
- MFR_InLawSuiteYN: 0
- Attribution Contact: 866-308-7109
- Tax Year: 2024
- Special Features: None
Interior Features
- Living Area Units: Square Feet
- Flooring: Laminate
- Full Bathrooms: 2
- Interior Amenities: Ceiling Fans(s), Eat-in Kitchen, Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters
- Appliances Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Foundation Details: Slab
- Total Bedrooms: 2
- Levels: One
- Living Area Meters: 114.27
Exterior Features
- Direction Faces: West
- Exterior Features: Lighting, Rain Gutters
- Roof: Shingle
- Pool Private: No
- Waterfront: No
- Road Surface Type: Paved
- Water View YN: 0
- Waterfront Feet Total: 0
- Flood Zone Panel: 12103C0079H
Garage/Parking
- Attached Garage: Yes
- Carport Y N: No
- Garage Spaces: 1
- Garage Yn: Yes
- Parking Features: Driveway, Garage Door Opener
Utilities
- Utilities: Cable Connected, Electricity Connected, Water Connected
- Cooling: Central Air
- Heating: Central
- Laundry Features: In Garage
- Sewer: Public Sewer
- Water Source: Public
Condo/Co-op/Association
- Community Features: Association Recreation - Owned, Deed Restrictions, Golf Carts OK, Pool, Special Community Restrictions, Tennis Court(s)
- Association Amenities: Cable TV, Clubhouse, Fence Restrictions, Golf Course, Maintenance, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s), Vehicle Restrictions
- Association Fee: 235
- Association Fee Frequency: Monthly
- Association Name: Sutton Place HOA/Mnagement & Associates
- Phone: (813) 433-2000
- Association: Yes
- Senior Community: Yes
- Association 2 YN: 0
- Association Approval Required YN: 1
- Pet Restrictions: Indoor cats are allowed and dogs are allowed if they are emotional support or service animals. Pet restrictions to be verified with HOA.
- Association Fee Requirement: Required
- Association Email: jgrant@mgmt-assoc.com
- Association URL: https://mgmt-assoc.com
Fee Information
- Total Annual Fees: 4788.00
- Total Monthly Fees: 399.00
- Other Fees Term: Monthly
- Monthly HOA Amount: 235.00
Schools
- Elementary School: Highland Lakes Elementary-PN
- High School: East Lake High-PN
- Middle Or Junior School: Carwise Middle-PN
Lot Info
- Zoning: RPD-7.5
- Parcel Number: 05-28-16-38919-000-0290
- Additional Parcels: No
- Flood Zone Code: X
Rental Info
- Pets Allowed: Cats OK
- Lease Restrictions YN: 1
- Additional Lease Restrictions: Lease Restrictions to be verified by the HOA
Tax Info
- Tax Annual Amount: 3679
- Tax Block: 00
- Tax Book Number: 88-94
- Tax Lot: 29
Multi Family
- Approval Process: Approval Process to be verified by the HOA
Matterport 3D Tour
Floorplan
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Oct 16, 2025
Closed on
Mar 9, 2026
Sold by
Michele Riposio
Bought by
Seller's Agent
Jeffrey Borham
EXP REALTY LLC
Buyer's Agent
Christine Sullo
SMITH & ASSOCIATES REAL ESTATE
List Price
$318,000
Sold Price
$290,000
Premium/Discount to List
-$28,000
-8.81%
Views
151
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$13,100
Avg. Annual Appreciation
8.53%
Original Mortgage
$261,000
Outstanding Balance
$259,712
Interest Rate
6.1%
Mortgage Type
New Conventional
Estimated Equity
$43,388
Purchase Details
Listed on
Jul 10, 2021
Closed on
Aug 18, 2021
Sold by
Subbiondo Eileen
Bought by
Riposio Michele
Seller's Agent
Mary Marconi
COLDWELL BANKER REALTY
Buyer's Agent
Retha Wright
BHHS FLORIDA PROPERTIES GROUP
List Price
$269,900
Sold Price
$275,000
Premium/Discount to List
$5,100
1.89%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
1.17%
Original Mortgage
$275,000
Interest Rate
2.7%
Mortgage Type
VA
Purchase Details
Closed on
Mar 11, 2005
Sold by
Talocco Charlotte M
Bought by
Subbiondo Joseph M and Subbiondo Eileen
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$112,000
Interest Rate
5.6%
Mortgage Type
Purchase Money Mortgage
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Palm Harbor, FL
-
Tracy Cooper
-
Michael Pappas
Michael Pappas
PAPPAS REAL ESTATE LLC
(727) 597-5605
66 Total Sales
6 in Palm Harbor
$225K - $1.2M Price Range
-
Nick Price
Nick Price
PRICE PROPERTIES & INVESTMENTS
(727) 732-3167
27 Total Sales
3 in Palm Harbor
$180K - $365K Price Range
-
Scott Morris
Scott Morris
EXP REALTY LLC
(727) 205-4613
85 Total Sales
10 in Palm Harbor
$130K - $599K Price Range
-
Jane Federoff
Jane Federoff
LAWYERS REAL ESTATE BROKERAGE
(727) 594-9649
38 Total Sales
1 in Palm Harbor
$165,000 Price
-
Latricia Stoddard
Latricia Stoddard
CHARLES RUTENBERG REALTY INC
(727) 351-6802
44 Total Sales
2 in Palm Harbor
$172K - $430K Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $290,000 | Elevated Title | ||
| Riposio Michele | $275,000 | Sunbelt Title Agency | |
| Subbiondo Joseph M | $160,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $261,000 | ||
| Closed | Riposio Michele | $275,000 | |
| Previous Owner | Subbiondo Joseph M | $117,000 | |
| Previous Owner | Subbiondo Joseph M | $112,000 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 03/09/2026 03/09/26 | Sold | $290,000 | -6.5% | $236 / Sq Ft | |
| 02/09/2026 02/09/26 | Pending | -- | -- | -- | |
| 12/09/2025 12/09/25 | Price Changed | $310,000 | -1.6% | $252 / Sq Ft | |
| 11/06/2025 11/06/25 | Price Changed | $315,000 | -0.9% | $256 / Sq Ft | |
| 10/16/2025 10/16/25 | For Sale | $318,000 | +15.6% | $259 / Sq Ft | |
| 08/23/2021 08/23/21 | Sold | $275,000 | +1.9% | $224 / Sq Ft | View Prior Sale |
| 07/13/2021 07/13/21 | Pending | -- | -- | -- | |
| 07/10/2021 07/10/21 | For Sale | $269,900 | -- | $219 / Sq Ft |
Source: Stellar MLS
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $3,898 | $255,298 | ||
| 2024 | $3,611 | $248,103 | ||
| 2023 | $3,611 | $240,877 | $0 | $0 |
| 2022 | $3,503 | $233,861 | $0 | $233,861 |
| 2021 | $1,136 | $95,902 | $0 | $0 |
| 2020 | $1,125 | $94,578 | $0 | $0 |
| 2019 | $1,096 | $92,452 | $0 | $0 |
| 2018 | $1,082 | $90,728 | $0 | $0 |
| 2017 | $1,064 | $88,862 | $0 | $0 |
| 2016 | $1,047 | $87,034 | $0 | $0 |
| 2015 | $1,015 | $86,429 | $0 | $0 |
| 2014 | $994 | $85,743 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Jeffrey Borham
Seller's Agent in 2026
Jeffrey Borham
EXP REALTY LLC
(866) 308-7109
861 Total Sales
-
Denis Falcon
DF
Seller Co-Listing Agent in 2026
Denis Falcon
EXP REALTY LLC
(727) 772-0772
13 Total Sales
-
Christine Sullo
Buyer's Agent in 2026
Christine Sullo
SMITH & ASSOCIATES REAL ESTATE
(303) 710-1029
88 Total Sales
-
Mary Marconi
Seller's Agent in 2021
Mary Marconi
COLDWELL BANKER REALTY
(727) 542-4737
210 Total Sales
-
Retha Wright
Buyer's Agent in 2021
Retha Wright
BHHS FLORIDA PROPERTIES GROUP
(727) 688-1174
38 Total Sales
Map
Source: Stellar MLS
MLS Number: TB8437763
APN: 05-28-16-38919-000-0290
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
Listings courtesy of Stellar MLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID
Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393
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