2522 PINE RIDGE WAY S UNIT A2, PALM HARBOR, FL, 34684
Active194 days on marketListed Jan 20, 2026MLS #W7882205
About this home
2522 PINE RIDGE WAY S UNIT A2
Welcome to your dream 55+ retirement retreat Located in Pine Ridge at Palm Harbor. This stunning 2-bedroom, 2-bathroom Condo on the top floor is located at 2522 Pine Ridge Way S, #A2, is the perfect place to call home. Boasting a floor size of 1038 sqft and an array of desirable amenities, this property offers comfort, convenience, and a vibrant retirement lifestyle. Step inside and be greeted by a spacious and inviting living room/dining room combo, with laminate flooring flowing, where you can entertain guests or simply relax after a day of exploring all the wonders in this area. The eat-in kitchen is perfect for whipping up delicious meals Unwind in the comfort of your own private en suite, with bathroom with shower and walk-in closet that provide ample storage space for all your belongings. There's also a laundry room for added convenience, one of the standout features of this property is the screened-in balcony, where you can enjoy your morning coffee or soak up the warm Florida sunshine. The HOA fees include trash, water, cable, internet, and even exterior pest control, so you can enjoy worry-free living. But that's not all! This community offers a heated pool and spa, perfect for relaxing and socializing with your neighbors. In addition, there's a shuffleboard court, on-site management, and a clubhouse where you can partake in activities and events. When it comes to the neighborhood, you'll find yourself surrounded by an abundance of local attractions and amenities. Take a short drive and discover the beautiful beaches of Clearwater or visit the famous Tarpon Springs Sponge Docks. For the golf enthusiasts, there are several championship golf courses just minutes away. With its prime location, this property is also close to a range of shopping and dining options. Enjoy easy access to major highways, making it convenient to explore. Don't miss out on this incredible retirement opportunity! Come see this home Today, for a private tour and start living the retirement lifestyle you've always dreamed of.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,038
Sqft
0 ac
Lot size
1983
Year built
One
Levels
$177
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.
$1,947 /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
$1,947/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
+6.8%
$/sqft vs PINE RIDGE AT PALM HARBOR
$177 vs $178
Days on market
194 vs 42 typical
Where $177/sqft sits among the 8 homes for sale in PINE RIDGE AT PALM HARBOR
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 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
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)
3 of 8
PINE RIDGE AT PALM HARBOR have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2522 PINE RIDGE WAY S UNIT A2
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$190,000
1871 PINE RIDGE WAY W UNIT B2 · same community
2 bd · 2 ba · 1,038 sqft · $183/sqft · 3 DOM
Sold · Jun ’26$155,000
2688 PINE RIDGE WAY N UNIT D1 · same community
2 bd · 2 ba · 1,038 sqft · $149/sqft · 548 DOM
Sold · Nov ’25$172,000
2699 PINE RIDGE WAY E UNIT H1 · same community
2 bd · 2 ba · 1,038 sqft · $166/sqft · 39 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 2522 PINE RIDGE WAY S UNIT A2 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2522 PINE RIDGE WAY S UNIT A2 — 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
2522 PINE RIDGE WAY S UNIT A2 FAQs
What would the monthly payment be for 2522 PINE RIDGE WAY S UNIT A2?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,947/mo — principal and interest, the actual property-tax bill, the $412/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 2522 PINE RIDGE WAY S UNIT A2?+
The association fee works out to $412 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2522 PINE RIDGE WAY S UNIT A2?+
The most recent tax bill on record (2024) was $2,519. 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 2522 PINE RIDGE WAY S UNIT A2?+
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 $184,000, this home is listed about 51% 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 2522 PINE RIDGE WAY S UNIT A2?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs 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 34684 market on paper
$184,000 is 26% below the PALM HARBOR 34684 median of $250,000, and at $177/sqft it sits under the Palm Harbor average of $269.
02Time on market is leverage
194 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $199,900, now $184,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX MARKETING SPECIALISTS · Deborah Roy, PA. MLS #W7882205.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 2522 PINE RIDGE WAY S UNIT A2 but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →