In the end, though it's probably unsatisfying, I think my first try is probably the answer to what you're asking:
"A photon inhabits the same 4d spacetime as any other object in our physical models."
But again I'm not entirely sure what you mean by "a photon only has three dimensions".
The question I've asked (and never really felt satisfied with the answers I've come up with) is "How would the universe appear if it could be observed from the perspective of a photon?" If I understand your question, it might be rephrased in these terms as: "If the universe were observed from the point of view of a photon, would it appear three dimensional?"
Part of the problem is that not only is there essentially no passage of time for a photon, but that mathematically, it would also appear that the photon would experience distances along its path of travel as contracted to zero. So one might say then that it takes the photon no time to travel because it finds that its starting point and its destination are the same place. So, in your terms, would that make the photon two dimensional?
In discussions that aren't accompanied by a mathematical framework, descriptions of relativity often emphasize that spacetime is "four dimensional". However, it is rarely mentioned in those discussions that the mathematics that is useful to describe 3 dimensions of space plus one of time has some important differences from what results from simply extending the ordinary conception of three dimensional space to four dimensions. The most obvious conception of "a four dimensional space" would, if used as a physical model, properly correspond to four "space-like" dimensions (as opposed to three "space-like" dimensions and one "time-like" dimension).
I hope this helps a little.