David Ramirez
$260,000$299,9003 bd2.5 ba1,440 sqft$181 /sqft$2,208 /mo all-in ↓

4167 HARBOUR PALM DRIVE, HOLIDAY, FL, 34691

Active226 days on marketListed Dec 19, 2025MLS #TB8457286

Reduced $40KTownhouseANCLOTE SQUARE

About this home

4167 HARBOUR PALM DRIVE

Built in 2023, this townhome offers modern construction without the typical new-build growing pains. The open main level features ceramic tile flooring, recessed lighting, a functional open-living layout that includes a breakfast bar flowing directly into the living room—ideal for everyday living and casual entertaining. The kitchen is equipped with quartz countertops (matched throughout the home), a deep farmhouse sink with a touchless faucet, black shaker cabinetry, stainless GE appliances, spacious closet pantry plus an island that anchors the space and provides extra cabinetry. Upstairs, all bedrooms are thoughtfully positioned, with the primary suite privately separated from the secondary bedrooms. The primary bedroom includes a walk-in closet and an en-suite bath with dual vanities and a glass-enclosed shower—an owner upgrade not included with standard new construction. The laundry closet with stackable washer/dryer combo is also located upstairs for everyday convenience. The screened lanai, another owner-added improvement, provides a comfortable outdoor living space with ceiling fan and peaceful greenery views. Unlike many association communities, grilling is permitted. Additional features include Ecobee smart thermostat with app-based temperature control, pre-installed TV mounts, aluminum storm shutters for doors and windows providing potential insurance savings. Parking is well-covered with a one-car garage, driveway parking, and nearby guest spaces along with the community mailbox located close to the home. The community has no CDD fees and no land lease, and the association handles ground maintenance with irrigation and exterior maintenance to include the roof. Quarterly association dues are $571.80, which amounts to $190.60 per month, covering cable, internet, common area upkeep and property manager. Located in Holiday, FL—Pasco County’s closest northern community to Pinellas County—this area offers a lower cost of living while remaining approximately 30 minutes from the Gulf beaches and the Tarpon Springs Sponge Docks. Outdoor and lifestyle amenities nearby include Anclote River Park, Key Vista Nature Park, and the Jay B. Starkey Wilderness Preserve, offering miles of hiking and biking trails. For boaters and water lovers, the Anclote sandbar is a popular weekend destination, with local sandbar groups often gathering for fun in the sun. Easy access to US-19 provides convenient connections to both Pasco and Pinellas County destinations.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

1,440

Sqft

0.05 ac

Lot size

1

Garage

2023

Year built

Two

Levels

$181

Per sqft

Park/Greenbelt & Trees/Woods viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Concrete
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Touchless Faucet · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Upper Level · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Wood Siding
FoundationBlock
ViewPark/Greenbelt · Trees/Woods
FacesSouthwest
ParkingDriveway · Garage Door Opener · Ground Level · Guest
ExteriorHurricane Shutters · Rain Gutters · Sidewalk

Community & fees

HOA fee$191/mo
Taxes (2024)$2,537/yr
PetsCats OK, Dogs OK, Yes
CommunityCommunity Mailbox · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Water Connected
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.

$2,208 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,531
FHA mortgage insurance (est.)$115
Property tax — 2024 actual bill$211
HOA fee — from the listing$191
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,100Loan30-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% · $9,100
Interest rate6.00%
Loan term

Estimated payment

$2,208/mo

Principal & interest$1,531
FHA mortgage insurance (est.)$115
Property taxes (actual bill)$211
HOA / condo fee$191
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 $260K
$230KedgeAI estimate $253,589 · range $240K$262K$273K

vs edgeAI estimate

+2.5%

$/sqft vs Holiday actives

$181 vs $188

Days on market

226 vs 37 typical

Where $181/sqft sits among the 269 Holiday actives

33
42
71 · this home
46
45
32
$108–136$136–164$164–192$192–220$220–248$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 Holiday

Map of 4167 HARBOUR PALM DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)44 min
Downtown Tampa48 min

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

Get to know Holiday. See the full Holiday guide →

HOLIDAY 34691 — neighborhood snapshot

Population

20,072

Median age

46.3

Median income

$48,387

Median home value

$172,100

Avg household

2.13

Households w/ children

1,689

For the school run

Pasco County School District

HighAnclote High School★★★★★
MiddlePaul R. Smith Middle School★★★★

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

The numbers that matter

The Holiday market

Seller’s marketBalanced5.4 months of inventoryBuyer’s market

$236K$230K

Holiday median sold, yr/yr

96.1%

Sale-to-list ratio (12 mo)

141 of 269

Holiday actives have cut their price

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

This home is listed 15% above the HOLIDAY 34691 median. See the full Holiday market guide →

Paper trail

This home's history

CurrentPrice reduced to $260,000 $40K
Dec 19, 2025Listed at $299,900 · 226 days on market since
2023Built · ANCLOTE SQUARE

Reality check

What actually sold near 4167 HARBOUR PALM DRIVE

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

3062 VICTORIA INLET DRIVESold · Sep ’25

$280,000

3062 VICTORIA INLET DRIVE · same community

3 bd · 2.5 ba · 1,632 sqft · $172/sqft · 56 DOM

3508 WESTMINISTER COURTSold · Dec ’25

$360,000

3508 WESTMINISTER COURT

3 bd · 2 ba · 1,421 sqft · $253/sqft · 32 DOM

5307 FOREST HILLS DRIVESold · Dec ’25

$240,000

5307 FOREST HILLS DRIVE

3 bd · 2 ba · 1,412 sqft · $170/sqft · 18 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 4167 HARBOUR PALM DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4167 HARBOUR PALM DRIVE — 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

4167 HARBOUR PALM DRIVE FAQs

What would the monthly payment be for 4167 HARBOUR PALM DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,208/mo — principal and interest, the actual property-tax bill, the $191/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 4167 HARBOUR PALM DRIVE?+

The association fee works out to $191 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4167 HARBOUR PALM DRIVE?+

The most recent tax bill on record (2024) was $2,537. 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 4167 HARBOUR PALM DRIVE?+

The listing reports pets: Cats OK, Dogs OK, 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 Holiday?+

At $260,000, this home is listed about 6% above the Holiday median of $245,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4167 HARBOUR PALM DRIVE?+

Anclote High School (high), Paul R. Smith Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$260,000 runs 15% above the HOLIDAY 34691 median — but at 1,440 sqft it's also 15% larger than the typical Holiday listing.

02Park/Greenbelt & Trees/Woods views

The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

226 days on market against a Holiday median of 37 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $299,900, now $260,000 — a $40K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Julie Sartain. MLS #TB8457286.

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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