David Ramirez
$4,950,000$5,200,0004 bd6 ba7,836 sqft$632 /sqft$31,681 /mo all-in ↓

4650 RIDGE VIEW ROAD, PALM HARBOR, FL, 34684

Active138 days on marketListed Mar 9, 2026MLS #TB8482036

Reduced $250KWaterfrontPrivate poolSingle Family ResidenceACREAGE

About this home

4650 RIDGE VIEW ROAD

PRICE ADJUSTMENT" "Tucked away on a quiet and beautiful 1 acre lot on Lake Tarpon, this stunning residence offers magnificent water views from nearly every room with one of the most private entrances and lot in the area. This newer home (6yrs) blends, charm and modern comfort, with the light filled rooms, open floor plan features begin upon entering by way of the Porte-cochere through custom designed double entry doors to a foyer with 20 foot soaring ceiling & retractable chandelier with piano alcove and light-filled conversation room featuring a fireplace to start the presentation of an absolutely stunning home. Craftsmanship is showcased throughout this home, from the millwork around all door openings, baseboards, coffered ceilings, to the 10 foot designer highlighted doors to each room, custom cabinetry in the kitchen, butler's pantry, bathrooms, game room and full sized & equipped laundry rooms. The combined family room, breakfast room and kitchen features coffered ceilings, spectacular views of the covered dock with lift, fire pit & seating overlooking the approximately 2600 acre Lake Tarpon as well as the sparkling open pool area featuring an outstanding gourmet outdoor kitchen for all those year round outdoor get togethers. In-home dining begins in the elegant dining room and becomes a reality in the Chef's dream kitchen with top of the line appliances, including Sub Zero refrigerator, GE Monogram gas range w pot filler, cabinet microwave and dishwasher encompassed by personally designed cabinetry with granite counters. Huge walk-in pantry accommodates all the necessary items needed to entertain guests and family for those spectacular parties to come. The owners suite features a morning coffee bar area with an adjacent reading room plus its own balcony with breathtaking views of the lake, private back yard and glistening pool area. The owner's bath is a fabulous place to spend the day, with all the accoutrements of a high end Spa! The owner's closets (2) are beyond comparable to any others with more than ample space for all personal belongings, shoe gallery & more. Family gatherings or parties of any kind can find their way to accommodate many guests in this beautifully appointed game room with pool table, game table with large stock area bar. A 1000 bottle Wine Room constructed with concrete block walls with vapor barrier paint & insulation create a true wine room makes it a real treat for the wine connoisseur or collector. Each of the additional bedrooms have their own ensuite full bath with 2 of them having their own private balcony overlooking the beautiful lake. Finishing the day would be to enjoy a movie in your own 8 seat home theater just adjacent to the game room with additional insulation and soundproofing. The 3 car oversized garage will accommodate oversized vehicles with driveway parking for a multitude of vehicle parking. The built-in staircase to the floored attic, makes for easy storage of additional belongings & access. Outdoor features include a beautiful wraparound porch, lush landscaping (watered by lake), private paved, tree lined driveway, no HOA or fees for living the most enjoyable life possible. Safe Room constructed of reinforced concrete that affords safety and security. The aforementioned description doesn't totally describe this beautiful and stunning home but seeing is believing. Come see to believe for yourself and be SOLD! Being in the heart of Palm Harbor close to everything.

Facts & features

The home at a glance

4

Bedrooms

6

Bathrooms

7,836

Sqft

0.95 ac

Lot size

3

Garage

2019

Year built

Two

Levels

$632

Per sqft

Private poolWaterfrontFireplaceWater view

Inside

FlooringCeramic Tile · Engineered Hardwood · Tile · Hardwood
AppliancesBar Fridge · Built-In Oven · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer · Water Filtration System · Water Softener
InteriorCeiling Fan(s) · Central Vacuum · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionHardiPlank Type · Wood Frame
FoundationPillar/Post/Pier · Slab
ViewWater
FacesWest
ExteriorBalcony · Fire Pit · Irrigation System · Outdoor Grill · Outdoor Kitchen · Private Entrance · Sliding Doors

Community & fees

Taxes (2025)$35,454/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Connected · Natural Gas Available · Public · Sewer Connected · Water Connected
WaterCanal/Lake For Irrigation

The numbers

What it really costs

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

$31,681 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$26,710
PMI (est., until 20% equity)$1,856
Property tax — 2025 actual bill$2,954
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $495,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $495,000
Interest rate6.00%
Loan term

Estimated payment

$31,681/mo

Principal & interest$26,710
PMI (est., until 20% equity)$1,856
Property taxes (actual bill)$2,954
Est. insurance$160

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.

$/sqft vs ACREAGE

$632 vs $338

Days on market

138 vs 42 typical

Where $632/sqft sits among the 152 homes for sale in ACREAGE

63
52
20 · this home
6
0
11
$145–311$311–477$477–642$642–808$808–974$974+

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 Palm Harbor

Map of 4650 RIDGE VIEW ROAD

Drive times from this address

Tampa Int’l Airport (TPA)36 min
Downtown Tampa39 min

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

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

PALM HARBOR 34684 — neighborhood snapshot

Population

26,926

Median age

55.9

Median income

$67,542

Median home value

$293,800

Avg household

2.07

Households w/ children

2,234

For the school run

Pinellas County School District

ElementarySutherland Elementary School★★★★★
HighTarpon Springs High School★★★★★
MiddleTarpon Springs Middle School★★★★★

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)

62 of 152

ACREAGE have cut their price

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

This home is listed 1900% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $4,950,000 $250K
Mar 9, 2026Listed at $5,200,000 · 138 days on market since
2019Built · ACREAGE

Reality check

What actually sold near 4650 RIDGE VIEW ROAD

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

28536 TUPPER ROADSold · Jan ’26

$1,835,000

28536 TUPPER ROAD · same community

7 bd · 5.5 ba · 6,396 sqft · $287/sqft · 58 DOM

898 CYPRESS LAKEVIEW COURTSold · Dec ’25

$2,450,000

898 CYPRESS LAKEVIEW COURT · same community

5 bd · 4.5 ba · 5,452 sqft · $449/sqft · 154 DOM

17125 ORWELL ROADSold · Nov ’25

$830,000

17125 ORWELL ROAD · same community

5 bd · 3 ba · 3,084 sqft · $269/sqft · 48 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 4650 RIDGE VIEW ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4650 RIDGE VIEW ROAD — 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

4650 RIDGE VIEW ROAD FAQs

What would the monthly payment be for 4650 RIDGE VIEW ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $31,681/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 4650 RIDGE VIEW ROAD?+

The most recent tax bill on record (2025) was $35,454. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

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

At $4,950,000, this home is listed about 1220% 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 4650 RIDGE VIEW ROAD?+

Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs 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

$4,950,000 runs 1900% above the PALM HARBOR 34684 median — but at 7,836 sqft it's also nearly 5 times the size of the typical Palm Harbor listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

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

04Strong assigned schools

Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $5,200,000, now $4,950,000 — a $250K cut. The full history is in the market section below.

Listing courtesy of RE/MAX REALTEC GROUP INC · Shirley Elmore. MLS #TB8482036.

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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