
3960 MERMOOR DRIVE, PALM HARBOR, FL, 34685
Active136 days on marketListed Mar 20, 2026MLS #TB8488826
About this home
3960 MERMOOR DRIVE
Located in the gated Brookhaven community of Ridgemoor, this 3-bedroom, 2-bathroom, 1,280 sq ft villa offers maintenance-free living in Palm Harbor. Situated on a waterfront lot, the home provides unobstructed pond views and features a private, walled entry courtyard with mature landscaping leading to the front door. Inside, the great room floor plan features vaulted ceilings, creating a bright and spacious feel, while the kitchen includes solid oak cabinetry, a built-in desk area, and stainless steel appliances, including a side-by-side refrigerator, glass-top range, and over-the-range microwave, with a convenient pass-through to the great room and dining area. A standout feature of the home is the glass-enclosed Florida room, where floor-to-ceiling sliding glass doors lead to a large back porch area with tranquil views of the pond, mature oak trees, and surrounding lawn. The primary suite offers direct pond views and an en-suite bath with a step-in shower and oak vanity, while two additional bedrooms, one of which can function as a home office or den, are located near the front of the home along with a hall bath featuring a tub/shower combination. An interior laundry room with a full-size washer and dryer, utility sink, and additional storage cabinets adds convenience, and the home also includes a one-car garage. Brookhaven community amenities include a pool and the HOA covers ground maintenance, exterior painting, roof maintenance, trash removal, and access to community amenities. This pet-friendly community is ideally located near John Chesnut Sr. Park, Lake Tarpon, a dog park, the Pinellas Trail, the YMCA, shopping, restaurants, and golf courses, and it offers a short drive to the Gulf beaches, Tampa International Airport, and St. Pete-Clearwater International Airport, with convenient access to both Tampa and St. Petersburg.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,280
Sqft
0.08 ac
Lot size
1
Garage
1987
Year built
One
Levels
$226
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.
$2,769 /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
$2,769/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
+2%
$/sqft vs BROOKHAVEN
$226 vs $158
Days on market
136 vs 42 typical
Where $226/sqft sits among the 9 homes for sale in BROOKHAVEN
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)
6 of 9
BROOKHAVEN have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3960 MERMOOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$330,000
4042 MERMOOR COURT · same community
3 bd · 2 ba · 1,280 sqft · $258/sqft · 31 DOM
Sold · Oct ’25$280,000
3985 MERMOOR DRIVE · same community
3 bd · 2 ba · 1,280 sqft · $219/sqft · 231 DOM
Sold · Aug ’25$242,000
3454 HILLMOOR DRIVE · same community
2 bd · 2 ba · 1,105 sqft · $219/sqft · 256 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 3960 MERMOOR DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3960 MERMOOR 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
3960 MERMOOR DRIVE FAQs
What would the monthly payment be for 3960 MERMOOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,769/mo — principal and interest, the actual property-tax bill, the $346/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 3960 MERMOOR DRIVE?+
The association fee works out to $346 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3960 MERMOOR DRIVE?+
The most recent tax bill on record (2025) was $5,136. 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 3960 MERMOOR DRIVE?+
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 $289,900, this home is listed about 23% 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 3960 MERMOOR DRIVE?+
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
01Under the PALM HARBOR 34685 market on paper
$289,900 is 16% below the PALM HARBOR 34685 median of $347,000, and at $226/sqft it sits under the Palm Harbor average of $269.
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
136 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 $299,900, now $289,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTEC GROUP INC · Mark Fazzini. MLS #TB8488826.
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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