$345,000

3540 Cayman Ct Palm Harbor, FL 34684

Estimated payment $2,319/month

Total Views 2,694
2 Beds
2 Baths
1,325 Sq Ft
$260 Price per Sq Ft

Highlights

  • Golf Course Community
  • Boat Ramp
  • Clubhouse
  • Fishing Pier
  • Active Adult
  • Vaulted Ceiling

About This Home

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!

Listing Agent

Tami Fullen

BHHS FLORIDA PROPERTIES GROUP Brokerage Phone: 727-799-2227 License #3554289 Listed on: 11/13/2025

BHHS FLORIDA PROPERTIES GROUP

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $1,622

Year Built

  • Built in 1991

Lot Details

  • 7,645 Sq Ft Lot
  • Cul-De-Sac
  • Northeast Facing Home
  • Landscaped
  • Property is zoned RPD-7.5

HOA Fees

Parking

  • 2 Car Attached Garage
  • Ground Level Parking
  • Garage Door Opener
  • Driveway
  • Off-Street Parking

Home Design

  • Villa
  • Entry on the 1st floor
  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 1,325 Sq Ft Home
  • 1-Story Property
  • Vaulted Ceiling
  • Ceiling Fan
  • Fireplace
  • Blinds
  • Family Room
  • Separate Formal Living Room
  • L-Shaped Dining Room
  • Fire and Smoke Detector

Kitchen

  • Eat-In Kitchen
  • Cooktop
  • Microwave
  • Dishwasher
  • Disposal

Flooring

  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Split Bedroom Floorplan
  • Walk-In Closet
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer
  • Washer

Outdoor Features

  • Fishing Pier
  • Access To Lake
  • Boat Ramp
  • Exterior Lighting
  • Rain Gutters

Utilities

  • Central Heating and Cooling System
  • Vented Exhaust Fan
  • Thermostat
  • Electric Water Heater
  • High Speed Internet
  • Phone Available
  • Cable TV Available

Additional Features

  • Reclaimed Water Irrigation System
  • Property is near a golf course

Listing and Financial Details

Community Details

Overview

  • Active Adult
  • Association fees include cable TV, internet, ground maintenance, trash
  • Monarch Association, Phone Number (727) 204-4766
  • Visit Association Website
  • Highland Lakes Association, Phone Number (727) 784-1402
  • Highland Lakes Subdivision
  • On-Site Maintenance
  • The community has rules related to deed restrictions, allowable golf cart usage in the community, no truck, recreational vehicles, or motorcycle parking
  • Near Conservation Area

Recreation

  • Golf Course Community
  • Tennis Courts
  • Pickleball Courts
  • Recreation Facilities
  • Shuffleboard Court
  • Community Pool
  • Community Spa

Additional Features

  • Clubhouse
  • Card or Code Access

Home Details

Home Type

Single Family

Est. Annual Taxes

$1,622

Year Built

Built in 1991

Lot Details

0

HOA Fees

$369 per month

Parking

2

Listing Details

  • HOA Fee Includes: Cable TV, Internet, Maintenance Grounds, Trash
  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Villa
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 1325
  • Lot Size Acres: 0.17
  • New Construction: No
  • Year Built: 1991
  • Building Area Total: 1325
  • Lot Size Sq Ft: 7645
  • Status: Active
  • Ownership: Fee Simple
  • Entry Level: 1
  • Building Area Total Srch Sq M: 123.10
  • Escrow City: Dunedin
  • Escrow State: FL
  • Escrow Street Name: Douglas Ave
  • Floor Number: 1
  • Minimum Lease: 6 Months
  • RATIO Current Price By Calculate: 260.38
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 1
  • Property Description: End Unit
  • MFR_InLawSuiteYN: 0
  • MFR_DockYN: 0
  • MFR_CommunityAssociationWaterFeatures: Fishing,Lake
  • Attribution Contact: 727-799-2227
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile, Tile
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), Eat-in Kitchen, High Ceilings, L Dining, Primary Bedroom Main Floor, Split Bedroom, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
  • Appliances Included: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 2
  • Levels: One
  • Stories: 1
  • Window Features: Blinds
  • Additional Rooms: Family Room,Formal Living Room Separate
  • Living Area Meters: 123.10

Exterior Features

  • Direction Faces: Northeast
  • Exterior Features: Lighting, Rain Gutters, Sidewalk
  • Roof: Shingle
  • Pool Private: No
  • Water Body Name: LAKE TARPON
  • Waterfront: No
  • Road Surface Type: Paved
  • Water Access: Lake
  • Water Extras: Boat Ramp - Private,Fishing Pier
  • Water View YN: 0
  • Waterfront Feet Total: 0
  • Flood Zone Panel: 12103C0079H

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Driveway, Garage Door Opener, Ground Level, Off Street

Utilities

  • Utilities: BB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Sprinkler Recycled, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric, Exhaust Fan
  • Laundry Features: Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Buyer Approval Required, Clubhouse, Deed Restrictions, Golf Carts OK, Golf, No Truck/RV/Motorcycle Parking, Pool, Sidewalks, Tennis Court(s), Street Lights
  • Association Amenities: Clubhouse, Golf Course, Lobby Key Required, Maintenance, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s)
  • Association Fee: 205
  • Association Fee Frequency: Monthly
  • Association Name: Monarch Association
  • Phone: Sue-727-204-4766
  • Association: Yes
  • Security: Smoke Detector(s)
  • Senior Community: Yes
  • Association #2 Fee: 164
  • Association #2 Fee Frequency: Monthly
  • Association: Highland Lakes
  • Association Phone #2: 727-784-1402
  • Association 2 YN: 1
  • Association Approval Required YN: 1
  • Association Fee Requirement: Required
  • Association URL: http://highlandlakesha.org

Fee Information

  • Total Annual Fees: 4428.00
  • Total Monthly Fees: 369.00
  • Monthly HOA Amount: 205.00

Lot Info

  • Zoning: RPD-7.5
  • Parcel Number: 05-28-16-38935-000-0120
  • Additional Parcels: No
  • Lot Features: Conservation Area, Cul-De-Sac, Landscaped, Near Golf Course, Sidewalk, Paved
  • Property Attached Yn: No
  • Flood Zone Code: X

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: No
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: See HOA Documents

Tax Info

  • Tax Annual Amount: 1621.63
  • Tax Block: 00/2
  • Tax Book Number: 106-37
  • Tax Lot: 12

Multi Family

  • Approval Process: Tenants mush be approved by the Nature's Cove Board

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Tax History

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 $1,565 $129,955 -- --
2024 $1,523 $126,293 -- --
2023 $1,523 $122,615 $0 $0
2022 $1,464 $119,044 $0 $0
2021 $1,467 $115,577 $0 $0
2020 $1,456 $113,981 $0 $0
2019 $1,421 $111,418 $0 $0
2018 $1,394 $109,341 $0 $0
2017 $1,374 $107,092 $0 $0
2016 $1,355 $104,889 $0 $0
2015 $1,329 $104,160 $0 $0
2014 $1,317 $103,333 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
11/13/2025 11/13/25 For Sale $345,000 -- $260 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Interfamily Deed Transfer -- Attorney
Warranty Deed $160,000 Capstone Title Llc
Warranty Deed -- --
Warranty Deed $117,000 --
Source: Public Records

Source: Stellar MLS

MLS Number: TB8447215

Stellar MLS

APN: 05-28-16-38935-000-0120

Florida Pinellas County Palm Harbor 34684

3540 Cayman Ct, Palm Harbor, FL

For Sale

Detached

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.

Stellar MLS 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.



Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393

Nearby Homes
Listing Agent
Tami Fullen
Section Image
BHHS FLORIDA PROPERTIES GROUP
(727) 594-4619