1039 NORTHRIDGE DRIVE, PALM HARBOR, FL, 34683
Active136 days on marketListed Mar 19, 2026MLS #TB8488020
About this home
1039 NORTHRIDGE DRIVE
One or more photo(s) has been virtually staged. ROOF 2025, AC 2021, WATER HEATER 2026 (JULY), NO FLOOD ZONE, NO CDD, LOW HOA. Welcome to this beautifully maintained 3-bedroom, 2-bathroom home with a 2-car garage, located in the highly desirable Hidden Lake community. Situated on a spacious quarter-acre lot, this property offers the perfect blend of comfort, style, and outdoor living. As you enter, you’re greeted by a welcoming hallway that opens to a formal dining area/entertaining are on the right that is ideal for gatherings. The home features high ceilings and a bright, open feel throughout, with beautiful LVP flooring installed in 2025 and tile in all areas (no carpet in the house). The spacious living area flows seamlessly into the kitchen, creating an open concept layout that is perfect for both everyday living and entertaining. The kitchen is both functional and stylish, showcasing granite countertops and Samsung appliances, including a Samsung range and Samsung microwave. The primary suite is a true retreat, offering a spacious layout with an ensuite bathroom that features a skylight window, dual sinks, a relaxing garden tub with jacuzzi, a separate shower, and a walk-in closet. Two additional bedrooms are generously sized, providing comfort and flexibility for family, guests, or a home office. Step outside to your private backyard oasis, complete with a stunning pool area perfect for entertaining, relaxing, or hosting gatherings. The large yard also features a mature mango tree, adding a unique Florida touch. Additional highlights include an electric fireplace and a well-designed layout that blends comfort with functionality. Conveniently located, this home is just minutes from shopping, dining, and everyday essentials. It’s also only 10 minutes from Honeymoon Beach and close to top-rated A schools. The Hidden Lake community offers fantastic amenities including a park, basketball courts, tennis courts, pickleball courts, a playground, and a beautiful lake. This is a rare opportunity to own a move-in ready home in a prime location with everything you need for the Florida lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,130
Sqft
0.25 ac
Lot size
2
Garage
1986
Year built
One
Levels
$249
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.
$3,821 /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
$3,821/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
−24.4%
$/sqft vs Palm Harbor actives
$249 vs $261
Days on market
136 vs 42 typical
Where $249/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 Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
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)
202 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 28% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 1039 NORTHRIDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$419,000
4616 Paladin Cir, Vero Beach FL 32967 · same community
3 bd · 2 ba · 2,040 sqft · $205/sqft · 96 DOM
Sold · Nov ’25$795,000
6940 NW 4th Avenue, Boca Raton FL 33487 · same community
3 bd · 2 ba · 2,002 sqft · $397/sqft · 7 DOM
Sold · Nov ’25$465,000
35 SOUTHLAKE DRIVE · same community
3 bd · 2 ba · 1,955 sqft · $238/sqft · 34 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 1039 NORTHRIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1039 NORTHRIDGE 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.
Straight answers
1039 NORTHRIDGE DRIVE FAQs
What would the monthly payment be for 1039 NORTHRIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,821/mo — principal and interest, the actual property-tax bill, the $46/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 1039 NORTHRIDGE DRIVE?+
The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1039 NORTHRIDGE DRIVE?+
The most recent tax bill on record (2025) was $3,124. 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 1039 NORTHRIDGE 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 Palm Harbor?+
At $530,000, this home is listed about 41% 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 1039 NORTHRIDGE DRIVE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — 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
$530,000 runs 28% above the PALM HARBOR 34683 median — but at 2,130 sqft it's also 45% 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
136 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $557,000, now $530,000 — a $27K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX CHAMPIONS · Nik Slavik. MLS #TB8488020.
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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