4473 WORTHINGTON CIRCLE, PALM HARBOR, FL, 34685
Active165 days on marketListed Feb 10, 2026MLS #TB8474110
About this home
4473 WORTHINGTON CIRCLE
IT KEEPS GETTING BETTER! PRICE ADJUSTMENT — Welcome to your dream home in the highly sought-after Ridgemoor community, nestled in the heart of the East Lake corridor. This beautifully maintained 4-bedroom, 3-bathroom residence offers a perfect blend of luxury and comfort. Step inside to discover luxury vinyl flooring that flows throughout the home. The spacious kitchen features elegant maple cabinets, Corian countertops, and a convenient layout that opens up to the family room. Enjoy captivating views of the stunning pool area, complete with a waterfall feature and a huge covered sitting area, ideal for entertaining or relaxing. Retreat to the private master suite, featuring a large en-suite bathroom for added convenience and privacy. The split floor plan ensures that the three additional bedrooms are thoughtfully placed on the other side of the home, providing ample space for family and guests. An inside laundry room adds to the functional layout, making daily living a breeze. Don't miss this opportunity to own a piece of paradise in Ridgemoor—schedule your showing today! ADDITIONAL FEATURES: PEBBLE TEC POOL, HURRICANE SHUTTERS, PLUS OVER $62,000 IN UPDATES, INCLUDING: NEW A/C 2021, HIGH IMPACT SLIDING GLASS DOORS (3) 2022, REPLACED PROGRAMMABLE POOL PUMP 2023, NEW ROOF 2023, NEW CHIMNEY SURROUND AND SOLAR ATTIC FAN 2023, HIGH IMPACT SKYLIGHT IN KITCHEN 2023, REPLACED SOLAR HOT WATER HEATER MOTOR 2023, LUXURY VINYL FLOORING INSTALLED IN LIVING ROOM, DINING AREA, MASTER BEDROOM AND ALL GUEST BEDROOMS 2024, INSTALLED LED CAN LIGHT FIXTURES THROUGHOUT 2024, EXTERIOR PAINTED 2024, NEW GUTTERS AND DOWNSPOUTS 2025, INTERIOR REPAINTED 2026.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,352
Sqft
0.33 ac
Lot size
2
Garage
1989
Year built
One
Levels
$281
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.
$4,480 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,480/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−1.4%
$/sqft vs Palm Harbor actives
$281 vs $260
Days on market
165 vs 42 typical
Where $281/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)
213 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 82% 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 4473 WORTHINGTON CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$575,000
4405 WORTHINGTON CIRCLE · same community
4 bd · 3 ba · 2,308 sqft · $249/sqft · 13 DOM
Sold · Nov ’25$575,000
728 NW Waterlily Place, Jensen Beach FL 34957 · same community
4 bd · 2.5 ba · 2,284 sqft · $252/sqft · 90 DOM
Sold · Sep ’25$610,000
5433 WORTHINGTON LOOP · same community
4 bd · 2 ba · 2,194 sqft · $278/sqft · 21 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 4473 WORTHINGTON CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4473 WORTHINGTON CIRCLE — 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
4473 WORTHINGTON CIRCLE FAQs
What would the monthly payment be for 4473 WORTHINGTON CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,480/mo — principal and interest, the actual property-tax bill, the $48/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 4473 WORTHINGTON CIRCLE?+
The association fee works out to $48 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4473 WORTHINGTON CIRCLE?+
The most recent tax bill on record (2024) was $5,553. 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 4473 WORTHINGTON CIRCLE?+
The listing reports pets: 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 $660,000, this home is listed about 76% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4473 WORTHINGTON CIRCLE?+
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
Five things that matter here
01Positioned at the premium end
$660,000 runs 82% above the PALM HARBOR 34685 median — but at 2,352 sqft it's also 61% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
165 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $699,900, now $660,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Joanne Dunn. MLS #TB8474110.
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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