3399 MERMOOR DRIVE UNIT 309, PALM HARBOR, FL, 34685
Active364 days on marketListed Aug 5, 2025MLS #TB8412796
About this home
3399 MERMOOR DRIVE UNIT 309
Welome to 3399 Mermoor unit 309 in Palm Harbor! Nestled in a peaceful, nature-surrounded setting, this beautifully maintained 2 bedroom 2 bath condo offers the perfect blend of tranquility and convenience. Just minutes from shopping, dining, top rated schools and only a 6-minute drive to the scenic trails of John Chestnut Park! Located on the 3rd floor with elevator access (or take the stairs for a bit of daily exercise), this bright and spacious unit features a large kitchen with ample white cabinetry, a floor-to-ceiling pantry, and space for a cozy breakfast table. The kitchen pass-through overlooks the open-concept living and dining area, making entertaining easy and inviting. Step through the double sliding glass doors onto your private screened-in balcony—ideal for relaxing, dining al fresco, or cultivating your favorite plants. The primary suite includes balcony access, a ceiling fan, a generous walk-in closet, and a private en-suite bath. Both bathrooms and the kitchen feature neutral finishes, ready for your personal touch. Enjoy the convenience of in-unit laundry with a full size washer and dryer included—a rare find in condo living! This all-ages, pet-friendly community offers comfortable Florida living in an unbeatable location. The community is pet-friendly, allowing one pet under 25 lbs. Enjoy fantastic amenities including a heated screened pool with covered seating and restrooms, Gated community and car wash station. The master association of Ridgemoor offers tennis and basketball courts, a playground, scenic walking and biking trails. Monthly condo fees cover water, sewer, trash, basic cable TV, heated pool, building insurance, grounds maintenance, reserves, security gate, and recreational facilities. The roof was replaced in 2021 for added peace of mind. You’ll also love the prime location—just minutes from the YMCA, Lansbrook Golf Club, and John Chesnut Park that is located on Lake Tarpon. Close to top-rated schools, shopping, and dining. This home truly offers the perfect blend of comfort, convenience, and a vibrant, active lifestyle. Call today for your private showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
980
Sqft
0 ac
Lot size
1985
Year built
One
Levels
$173
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,498 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,498/mo
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.
vs edgeAI estimate
−4.6%
$/sqft vs Palm Harbor actives
$173 vs $266
Days on market
364 vs 48 typical
Where $173/sqft sits among the 400 Palm Harbor actives
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 Ridgemoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Ridgemoor — neighborhood snapshot
Population
2,300
Median age
56
Median income
$63,976
Median home value
$392,234
Avg household
2
Households w/ children
228
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
216 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 49% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3399 MERMOOR DRIVE UNIT 309
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$187,000
3350 MERMOOR DRIVE UNIT 1201 · same community
2 bd · 2 ba · 1,045 sqft · $179/sqft · 96 DOM
Sold · Dec ’25$175,000
3382 MERMOOR DRIVE UNIT 3201 · same community
2 bd · 2 ba · 1,155 sqft · $152/sqft · 166 DOM
Sold · Sep ’25$195,000
3358 MERMOOR DRIVE UNIT 2205 · same community
2 bd · 2 ba · 1,155 sqft · $169/sqft · 4 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3399 MERMOOR DRIVE UNIT 309 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3399 MERMOOR DRIVE UNIT 309 — 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.
Straight answers
3399 MERMOOR DRIVE UNIT 309 FAQs
What would the monthly payment be for 3399 MERMOOR DRIVE UNIT 309?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,498/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3399 MERMOOR DRIVE UNIT 309?+
The most recent tax bill on record (2025) was $3,154. 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 3399 MERMOOR DRIVE UNIT 309?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Size Limit, Yes. 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 $169,900, this home is listed about 55% below the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3399 MERMOOR DRIVE UNIT 309?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALM HARBOR 34685 market on paper
$169,900 is 49% below the PALM HARBOR 34685 median of $332,500, and at $173/sqft it sits under the Palm Harbor average of $272.
02Time on market is leverage
364 days on market against a Palm Harbor median of 48 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $220,000, now $169,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY · Kathie Lea. MLS #TB8412796.
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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