4405 CONNERY COURT, PALM HARBOR, FL, 34685
Active63 days on marketListed Jun 4, 2026MLS #TB8513521
About this home
4405 CONNERY COURT
*Property features a certified FEMA Letter of Map Amendment (LOMA) , officially removing the residential structure from the Special Flood Hazard Area (SFHA) While federal law waives the mandatory flood insurance requirement for this structure, final insurance mandates remain subject to individual buyer lender prerogative. Offical FEMA documentation is uploaded to the MLS supplements for buyer review. Welcome home to this beautifully maintained 2-bedroom, 2-bath with 1 car garage villa featuring soaring high-volume ceilings, abundant natural light, and peaceful conservation views. Ideally situated just steps from the community pool, this quiet yet convenient location offers the best of Florida living. As you enter, you'll find the spacious guest bedroom just off the foyer, complete with a generously sized wall closet and full bath; The open-concept living, dining, and kitchen areas feature durable laminate flooring throughout, creating a seamless and airy feel. The kitchen is designed to impress with granite countertops, white shaker cabinetry, and a stunning tile backsplash that extends all the way to the soaring ceiling. Skylights fill the space with natural light, while a bonus island with breakfast bar seating and an additional breakfast bar overlooking the dining and living areas provide plenty of room for entertaining. Additional cabinetry, shelving, and large storage closets offer exceptional organization throughout the home. The guest bathroom is conveniently located off the main living area and features a tub/shower combination, updated vanity, and nearby linen closet for extra storage. Retreat to the privately situated primary suite at the rear of the villa, where sliding glass doors provide direct access to the screened lanai. The spacious en-suite bath includes a soaking tub, separate step-in shower, and updated vanity, creating a relaxing spa-like atmosphere. Enjoy morning coffee or evening sunsets from the screened rear porch overlooking tranquil conservation views. Additional highlights include a full-size in-unit washer and dryer, ample storage throughout, and a one-car garage perfect for parking or additional storage needs. Offered furnished or unfurnished, this move-in-ready villa combines comfort, style, and convenience in an unbeatable Ridgemoor location. HOA Includes Basic Cable, Community Pool, Escrow reserves, Exterior Maintenance, Roof and Ground Maintanence, as well as Trash! AC is 2021 Community offers close location to shopping, dining, recreation - ameneties include a community pool as well as tennis courts, basketball courts and a playground! Nearby enjoy John Chestnut park offering boat ramp, walking trails, picnic pavilions, playgrounds and so much more!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,220
Sqft
0 ac
Lot size
1
Garage
1994
Year built
One
Levels
$246
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.
$2,937 /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
$2,937/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
+23.7%
$/sqft vs Palm Harbor actives
$246 vs $264
Days on market
63 vs 48 typical
Where $246/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
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
216 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 20% 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 4405 CONNERY COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$325,000
4504 CONNERY COURT · same community
3 bd · 2 ba · 1,465 sqft · $222/sqft · 156 DOM
Sold · Feb ’26$425,000
5650 BRIDGETON COURT · same community
3 bd · 2 ba · 1,554 sqft · $273/sqft · 9 DOM
Sold · May ’26$600,000
5620 ESSEX COURT · same community
4 bd · 2.5 ba · 2,263 sqft · $265/sqft · 44 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 4405 CONNERY COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4405 CONNERY COURT — 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
4405 CONNERY COURT FAQs
What would the monthly payment be for 4405 CONNERY COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,937/mo — principal and interest, the actual property-tax bill, the $498/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 4405 CONNERY COURT?+
The association fee works out to $498 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4405 CONNERY COURT?+
The most recent tax bill on record (2025) was $4,565. 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 4405 CONNERY COURT?+
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 $300,000, this home is listed about 21% below the Palm Harbor median of $379,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4405 CONNERY COURT?+
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
01Under the PALM HARBOR 34685 market on paper
$300,000 is 20% below the PALM HARBOR 34685 median of $375,500, and at $246/sqft it sits under the Palm Harbor average of $272.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong 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.
04The price has already moved
Listed at $309,900, now $300,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Vanessa Leonard. MLS #TB8513521.
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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