441 HARBOR RIDGE DRIVE, PALM HARBOR, FL, 34683
Active68 days on marketListed May 18, 2026MLS #TB8508907
About this home
441 HARBOR RIDGE DRIVE
Seller's preferred lender is offering a temporary 1% interest rate buydown for qualified buyers! Welcome to coastal living in the heart of Palm Harbor! Perfectly positioned in one of North Pinellas County’s most desirable areas, this beautifully renovated end-unit townhome offers the ideal combination of comfort, convenience, and waterfront scenery. Located just minutes from Downtown Palm Harbor, the famous Sponge Docks of Tarpon Springs, Gulf beaches, shopping, dining, medical facilities, and top local parks, this home puts everything you love about Florida living right at your fingertips. Conveniently located near the community entrance, residents can easily access the local trolley route for a fun and easy ride south toward Clearwater Beach or north toward the shops, restaurants, and waterfront attractions of Tarpon Springs. Overlooking a peaceful pond with tranquil water views from multiple rooms, this spacious 3-bedroom, 2.5-bathroom townhome features approximately 1,700 square feet of thoughtfully updated living space. From the moment you walk in, you’ll notice the open-concept layout, gorgeous wood flooring, and natural light pouring through hurricane impact windows and oversized triple sliding glass doors. The beautifully updated kitchen features solid wood cabinetry, granite countertops, stainless steel appliances, and a movable island perfect for entertaining or additional prep space. The living and dining room combination flows seamlessly to the screened lanai and additional paver patio, creating the perfect indoor-outdoor setup to enjoy the serene pond views. Upstairs, bamboo flooring runs throughout all three spacious bedrooms. The primary suite offers stunning water views, a beautifully updated bathroom with a walk-in shower, and an oversized custom walk-in closet with built-in shelving. Additional upstairs features include a full guest bathroom with granite countertops, a dedicated laundry room, and extra hallway storage. This end-unit also offers a two-car garage, additional built-in storage shelving, and major system updates including a 2025 water heater. The roof, AC, and electrical panel were all original to the 2013 construction, and the HOA has advised roof replacement is planned for 2027. Exterior painting was completed by the HOA in 2022. The $420 monthly HOA provides exceptional value and includes cable/internet, water/sewer, trash removal, exterior maintenance, lawn/common area maintenance, exterior painting, roof repair/replacement per HOA guidelines, sidewalk/driveway/front walkway power washing, and access to the community pool.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,700
Sqft
0.07 ac
Lot size
2
Garage
2013
Year built
Two
Levels
$229
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.
$3,638 /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
$3,638/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
+1%
$/sqft vs Palm Harbor actives
$229 vs $260
Days on market
68 vs 42 typical
Where $229/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)
211 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 3% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 441 HARBOR RIDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$405,000
295 N HARBOR DRIVE · same community
3 bd · 2.5 ba · 1,700 sqft · $238/sqft · 30 DOM
Sold · Jun ’26$393,000
497 HARBOR RIDGE DRIVE · same community
3 bd · 2.5 ba · 1,700 sqft · $231/sqft · 11 DOM
Sold · May ’26$389,000
356 HARBOR RIDGE DRIVE · same community
3 bd · 2.5 ba · 1,700 sqft · $229/sqft · 35 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 441 HARBOR RIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 441 HARBOR RIDGE 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
441 HARBOR RIDGE DRIVE FAQs
What would the monthly payment be for 441 HARBOR RIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,638/mo — principal and interest, the actual property-tax bill, the $420/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 441 HARBOR RIDGE DRIVE?+
The association fee works out to $420 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 441 HARBOR RIDGE DRIVE?+
The most recent tax bill on record (2025) was $7,155. 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 441 HARBOR RIDGE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $388,900, this home is listed about 4% 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 441 HARBOR RIDGE 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
Four things that matter here
01Under the PALM HARBOR 34683 market on paper
$388,900 is 3% below the PALM HARBOR 34683 median of $400,000, and at $229/sqft it sits under the Palm Harbor average of $269.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Strong 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.
04The price has already moved
Listed at $395,000, now $388,900 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Angie Haddon. MLS #TB8508907.
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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