4120 RIDGEMOOR DRIVE, PALM HARBOR, FL, 34685
Active123 days on marketListed Mar 27, 2026MLS #TB8491190
About this home
4120 RIDGEMOOR DRIVE
Welcome to a home that doesn’t just check the boxes… it builds a whole new list. Tucked away on a rare, private 1 acre homesite backing to peaceful conservation in beautiful Palm Harbor, this fully reimagined luxury masterpiece offers the kind of privacy, serenity, and everyday “wow” factor that buyers dream about but rarely find. And yes, your neighbors may include a few graceful deer… they don’t make much noise and they never borrow anything. From the moment you step through the elegant double doors, this home makes an unforgettable first impression. The formal living and dining spaces are warm, refined, and instantly inviting, setting the tone for what’s to come. Featuring 4 spacious bedrooms, a dedicated office, 3 full bathrooms, and a 3 car garage, this home offers both luxury and functionality. The primary suite is a true retreat, complete with a generous walk-in closet and the kind of space that makes you wonder why you ever settled for less. At the heart of the home, the open-concept chef’s kitchen and family room deliver exactly what today’s buyers want. A large center island, stunning custom countertops, soaring volume ceilings, and a family room fireplace create the perfect setting for entertaining or simply enjoying a quiet night in. Natural light pours in, and the seamless flow to the outdoor living space makes indoor-outdoor living effortless. And then there’s the backyard… your own private resort. The sparkling pool area is surrounded by tranquil views, offering a level of peace and relaxation that feels miles away from everything, yet you’re right in the heart of it all. Be careful though… you may sit down “just for a minute” and look up three hours later wondering where the day went. The secondary bedrooms are generously sized, perfect for family and guests who may suddenly want to visit more often once they see this place. All of this is located just minutes from world class Gulf beaches, top rated healthcare, golf courses, parks, trails, water activities, premier shopping, and easy access to Tampa International Airport, Clearwater St. Pete Airport, downtown Tampa, and St. Petersburg. This is more than just a home. It’s space, privacy, luxury, and lifestyle all wrapped into one exceptional property. Opportunities like this don’t come along often… and when they do, they don’t last. Schedule your private showing today before someone else beats you to it.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,432
Sqft
1 ac
Lot size
3
Garage
2016
Year built
One
Levels
$379
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 — not generic estimates.
$8,785 /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
$8,785/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
+46.1%
$/sqft vs Palm Harbor actives
$379 vs $258
Days on market
123 vs 42 typical
Where $379/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 Coventry Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Coventry Village — neighborhood snapshot
Population
1,587
Median age
56
Median income
$62,344
Median home value
$388,100
Avg household
2
Households w/ children
153
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)
215 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 259% 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 4120 RIDGEMOOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$795,000
3956 BELMOOR DRIVE
4 bd · 3 ba · 3,408 sqft · $233/sqft · 170 DOM
Sold · Jun ’26$940,000
2928 WATERS EDGE ROAD
4 bd · 4 ba · 3,541 sqft · $265/sqft · 191 DOM
Sold · Mar ’26$650,000
3125 EDGEMOOR DRIVE
4 bd · 3.5 ba · 3,297 sqft · $197/sqft · 211 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 4120 RIDGEMOOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4120 RIDGEMOOR 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
4120 RIDGEMOOR DRIVE FAQs
What would the monthly payment be for 4120 RIDGEMOOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,785/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 4120 RIDGEMOOR DRIVE?+
The most recent tax bill on record (2025) was $13,474. 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 4120 RIDGEMOOR 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 $1,300,000, this home is listed about 247% 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 4120 RIDGEMOOR 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
Four things that matter here
01Positioned at the premium end
$1,300,000 runs 259% above the PALM HARBOR 34685 median — but at 3,432 sqft it's also nearly twice the size of 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
123 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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Carl Gresen. MLS #TB8491190.
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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