David Ramirez
$149,400$159,4001 bd1 ba964 sqft$155 /sqft$1,818 /mo all-in ↓

1609 WHITEBRIDGE DRIVE UNIT C, PALM HARBOR, FL, 34684

Active270 days on marketListed Nov 6, 2025MLS #G5104168

Priced 40% below the PALM HARBOR 34684 medianReduced $10KCondominiumHIGHLAND LAKES CONDO

About this home

1609 WHITEBRIDGE DRIVE UNIT C

Short Sale. Beautifully Remodeled 1 Bedroom Villa in Highland Lakes – Relaxed, Resort-Style 55+ Living Awaits you! Opportunity knocks inside Highland Lakes! Step into this beautifully refreshed 1-bedroom, 1-bath villa with a 1-car garage and immediately feel the light, warmth, and care that have gone into every detail. The kitchen and bath are both completely remodeled with modern finishes, quality cabinetry, and all-new appliances. Brand-new flooring flows throughout the home, tying each space together in a clean, coastal-inspired palette. Morning sunshine pours through the new hurricane-rated windows and sliding doors (2021–2024), creating a bright great room perfect for coffee, reading, or conversation. The spacious primary suite features two walk-in closets plus an added storage closet, a convenient vanity with sink, and private access to a peaceful patio—your own quiet corner to enjoy Florida’s fresh air. The attached garage offers laundry, a utility sink, and shelving for easy organization. The HOA takes care of nearly everything—water, sewer, trash, cable + internet, roof and exterior maintenance, landscaping, irrigation, pest service, and building insurance—so you can truly relax and enjoy the good life. Highland Lakes residents love the three executive golf courses, resort-style pool, tennis, pickleball, bocce, shuffleboard, woodshop, arts & crafts studios, live entertainment, and even pontoon boats on Lake Tarpon. Tucked close to award-winning Gulf beaches, shopping, dining, medical care, and parks, this villa offers exceptional value and lifestyle in one. Short Sale—priced accordingly. Don’t miss this opportunity to own a beautifully updated home in one of Florida’s most sought-after 55+ communities. Schedule your private showing today and experience the Highland Lakes lifestyle for yourself!

Facts & features

The home at a glance

1

Bedrooms

1

Bathrooms

964

Sqft

0 ac

Lot size

1

Garage

1973

Year built

One

Levels

$155

Per sqft

55+ community

Inside

FlooringEngineered Hardwood · Tile · Hardwood
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Open Floorplan · Primary Bedroom Main Floor · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · In Garage · Inside · Laundry Closet · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ExteriorCourtyard · Irrigation System · Sliding Doors

Community & fees

HOA fee$632/mo
Taxes (2024)$964/yr
PetsNo
CommunityBoat Slip · Dock · Fishing · Lake · Private Boat Ramp · Water Access · Buyer Approval Required · Clubhouse · Deed Restrictions · Fitness Center · Golf Carts OK · Golf · Pool · Racquetball · Sidewalks · Special Community Restrictions · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Available · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$1,818 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$880
FHA mortgage insurance (est.)$66
Property tax — 2024 actual bill$80
Condo fee — from the listing$632
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $5,229Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $5,229
Interest rate6.00%
Loan term

Estimated payment

$1,818/mo

Principal & interest$880
FHA mortgage insurance (est.)$66
Property taxes (actual bill)$80
HOA / condo fee$632
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $149K
$143KedgeAI estimate $173,931 · range $155K$222K$231K

vs edgeAI estimate

−14.1%

$/sqft vs HIGHLAND LAKES CONDO

$155 vs $185

Days on market

270 vs 42 typical

Where $155/sqft sits among the 11 homes for sale in HIGHLAND LAKES CONDO

2 · this home
2
4
0
2
1
$135–158$158–180$180–203$203–225$225–248$248+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Highland Lakes

Map of 1609 WHITEBRIDGE DRIVE UNIT C inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)33 min
Downtown Tampa36 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

Highland Lakes — neighborhood snapshot

Population

5,270

Median age

69

Median income

$65,822

Median home value

$287,444

Avg household

2

Households w/ children

226

For the school run

Pinellas County School District

MiddleJoseph L. Carwise Middle School★★★★
ElementaryHighland Lakes Elementary School★★★★★
HighPalm Harbor University High★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller4.6 months of inventoryBuyer’s market

$425K$450K

Palm Harbor median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

5 of 11

HIGHLAND LAKES CONDO have cut their price

Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 40% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $149,400 $10K
Nov 6, 2025Listed at $159,400 · 270 days on market since
1973Built · HIGHLAND LAKES CONDO

Reality check

What actually sold near 1609 WHITEBRIDGE DRIVE UNIT C

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2711 SHERBROOKE LANE UNIT BSold · Nov ’25

$160,000

2711 SHERBROOKE LANE UNIT B · same community

2 bd · 2 ba · 1,000 sqft · $160/sqft · 8 DOM

2723 SHERBROOKE LANE UNIT BSold · May ’26

$226,000

2723 SHERBROOKE LANE UNIT B · same community

2 bd · 2 ba · 1,000 sqft · $226/sqft · 4 DOM

1606 BERWICK COURT UNIT BSold · Oct ’25

$180,000

1606 BERWICK COURT UNIT B · same community

2 bd · 2 ba · 1,000 sqft · $180/sqft · 53 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1609 WHITEBRIDGE DRIVE UNIT C — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1609 WHITEBRIDGE DRIVE UNIT C — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

1609 WHITEBRIDGE DRIVE UNIT C FAQs

What would the monthly payment be for 1609 WHITEBRIDGE DRIVE UNIT C?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,818/mo — principal and interest, the actual property-tax bill, the $632/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 1609 WHITEBRIDGE DRIVE UNIT C?+

The association fee works out to $632 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1609 WHITEBRIDGE DRIVE UNIT C?+

The most recent tax bill on record (2024) was $964. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 1609 WHITEBRIDGE DRIVE UNIT C?+

The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Palm Harbor?+

At $149,400, this home is listed about 60% below the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1609 WHITEBRIDGE DRIVE UNIT C?+

Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Under the PALM HARBOR 34684 market on paper

$149,400 is 40% below the PALM HARBOR 34684 median of $250,000, and at $155/sqft it sits under the Palm Harbor average of $269.

02Know the monthly fee

The association fee is $632/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

03Time on market is leverage

270 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $159,400, now $149,400 — a $10K cut. The full history is in the market section below.

Listing courtesy of BEACON REAL ESTATE & ASSOC · Gary Bergenske. MLS #G5104168.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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