4060 SALEM SQUARE PARKWAY, PALM HARBOR, FL, 34685
Active312 days on marketListed Sep 25, 2025MLS #TB8431209
About this home
4060 SALEM SQUARE PARKWAY
Meticulously maintained 3BR/2BA Villa in Salem Square – Ridgemoor, in Palm Harbor. Welcome to this move-in ready, updated 3-bedroom, 2-bathroom or 2 bedroom & an office villa with a 2-car garage, nestled in the highly sought-after maintenance-free, gated community of Salem Square of Ridgemoor in Palm Harbor. Situated on a premium conservation lot, this home offers privacy, tranquility, and beautiful wooded views. Interior features include updated finishes and a charming atrium that brings natural light into the heart of the home. The large primary bedroom has a walk-in closet and ensuite bathroom and access to the enclosed Florida sunroom overlooking the conservation area which adds additional living space (not included in the square footage). The sunroom provides a peaceful retreat to enjoy your morning coffee, unwind at the end of the day, or entertain guests. The split plan offers two other bedrooms and a full bathroom perfect for family or guests. You will be surprised at how spacious this unit is. The third bedroom/office does not have a closet but can be easily converted into a 3rd bedroom. The home also features a water softener and the AC was replaced in 2020. This villa is truly turnkey — just bring your furniture and start enjoying Florida living! Perfectly maintained. Residents of Salem Square enjoy access to the private community pool and Ridgemoor Park offers tennis courts and basketball courts. Best of all, NO flood insurance is required! This maintenance free community offers lawn care and exterior maintenance. Close to top-rated schools, grocery store, shopping, dining, golf, beautiful Gulf beaches, John Chesnut Park and the Pinellas Trail. Downtown Palm Harbor, Dunedin, Honeymoon Island, and Downtown Tarpon Springs are easily accessible, and it is a short commute to Tampa International Airport. Experience the perfect blend of privacy, low maintenance living and a convenient location. Schedule your showing today, you will not be disappointed. All information deemed reliable; buyer to verify.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,659
Sqft
0.12 ac
Lot size
2
Garage
1988
Year built
One
Levels
$217
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 and the real association fee — not generic estimates.
$3,113 /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
$3,113/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
−5.5%
$/sqft vs Palm Harbor actives
$217 vs $261
Days on market
312 vs 42 typical
Where $217/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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
204 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 4% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 4060 SALEM SQUARE PARKWAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$366,500
4032 SALEM SQUARE COURT · same community
2 bd · 2 ba · 1,659 sqft · $221/sqft · 333 DOM
Sold · Jun ’26$345,000
5511 SALEM SQUARE DRIVE N · same community
3 bd · 2 ba · 1,659 sqft · $208/sqft · 283 DOM
Sold · Mar ’26$377,000
3815 MUIRFIELD COURT · same community
2 bd · 2 ba · 1,659 sqft · $227/sqft · 147 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 4060 SALEM SQUARE PARKWAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4060 SALEM SQUARE PARKWAY — 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
4060 SALEM SQUARE PARKWAY FAQs
What would the monthly payment be for 4060 SALEM SQUARE PARKWAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,113/mo — principal and interest, the actual property-tax bill, the $460/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 4060 SALEM SQUARE PARKWAY?+
The association fee works out to $460 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4060 SALEM SQUARE PARKWAY?+
The most recent tax bill on record (2024) was $2,586. 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 4060 SALEM SQUARE PARKWAY?+
The listing reports pets: Dogs OK. 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 $359,900, this home is listed about 4% 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 4060 SALEM SQUARE PARKWAY?+
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
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
312 days on market against a Palm Harbor median of 42 — 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 $425,000, now $359,900 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Scott Tomlinson, Llc. MLS #TB8431209.
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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