
1421 RIDGE TERRACE, TARPON SPRINGS, FL, 34689
Active41 days on marketListed Jun 28, 2026MLS #W7887155
About this home
1421 RIDGE TERRACE
This stunning, move-in-ready, 1,881-square-foot townhome checks off all the boxes. It is spacious, comfortable, and very low maintenance. What more could anyone ask for? Nestled on a quiet cul-de-sac in a highly desirable Tarpon Springs neighborhood, this freshly painted three-bedroom, 2.5-bath home offers a thoughtfully designed, functional layout filled with a welcoming ambiance. Boasting a beautiful barrel tile roof and cooled by a newer central air conditioner (2021), this property perfectly blends style and easy living. A modest $350 monthly HOA fee provides incredible value, covering the roof, entire exterior maintenance, landscaping, sprinklers, cable TV, and high-speed internet. The exterior features a private two-car garage, a personal driveway, a mailbox, and an inviting private entry. Step inside to a bright, open floor plan optimized for effortless entertaining and daily living. The main level is adorned with high ceilings, elegant crown molding, and beautiful porcelain tile flooring throughout. A chef’s dream, the gourmet kitchen showcases premium 42-inch wood cabinetry, granite countertops, stainless steel appliances, and a breakfast bar that seamlessly connects to the expansive great room. Just off the kitchen and living areas, you will find a convenient powder room and a separate storage closet tucked beneath the stairs. Tall sliding glass doors, outfitted with plantation-style sliding door window treatments for ultimate privacy, open to a peaceful, screened porch overlooking a tranquil creek—the perfect spot for morning coffee or evening relaxation. Upstairs, the home features high ceilings and comfortable carpeting throughout. The luxurious primary suite serves as a private sanctuary, complete with an elegant tray ceiling, a spacious walk-in closet, and a spa-like en-suite bath featuring a soaking tub, a separate walk-in shower, and dual sinks mounted into a beautiful marble-look Corian countertop. Separated from the primary suite for maximum privacy is a versatile bonus room or loft area, which leads to two generously sized guest bedrooms—each boasting its own private walk-in closet. A second full bathroom and a conveniently located laundry room complete the upper level. Location is everything, and this home is perfectly situated just blocks from the World famous Innisbrook resort, Tarpon Springs Public Golf Course, the scenic Pinellas Trail, and AdventHealth North Pinellas Hospital. You are just minutes away from award-winning dining and entertainment at the world-famous Sponge Docks and the historic downtown district, both of which host vibrant festivals and local events throughout the year. Soak up the sun at your choice of two local public beaches—Sunset Beach and Fred Howard Park—both located just minutes from your front door. With quick access around the corner to US Highway 19, you can easily explore everything the Tampa Bay area has to offer, including Palm Harbor, Dunedin, Clearwater beach, and two major airports—Tampa International and St. Pete-Clearwater International—both under a one-hour drive away. Don't miss your chance to own this move-in-ready gem. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,881
Sqft
0.05 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$191
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.
$3,319 /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
$3,319/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
−6.3%
$/sqft vs Tarpon Springs actives
$191 vs $244
Days on market
41 vs 46 typical
Where $191/sqft sits among the 265 Tarpon Springs 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 Tarpon Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tarpon Springs. See the full Tarpon Springs guide →
TARPON SPRINGS 34689 — neighborhood snapshot
Population
27,007
Median age
55.7
Median income
$66,523
Median home value
$311,500
Avg household
2.15
Households w/ children
1,849
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tarpon Springs market
$433K → $400K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
146 of 265
Tarpon Springs actives have cut their price
Median sold price, Tarpon Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 1421 RIDGE TERRACE
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$520,000
4113 SETON CIRCLE
4 bd · 2 ba · 1,921 sqft · $271/sqft · 96 DOM
Sold · Sep ’25$425,000
513 HARBOR SPRINGS DRIVE
3 bd · 2.5 ba · 1,840 sqft · $231/sqft · 109 DOM
Sold · Jan ’26$410,000
443 HARBOR SPRINGS DRIVE
3 bd · 2.5 ba · 1,840 sqft · $223/sqft · 125 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 1421 RIDGE TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1421 RIDGE TERRACE — 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
1421 RIDGE TERRACE FAQs
What would the monthly payment be for 1421 RIDGE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,319/mo — principal and interest, the actual property-tax bill, the $350/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 1421 RIDGE TERRACE?+
The association fee works out to $350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1421 RIDGE TERRACE?+
The most recent tax bill on record (2025) was $6,378. 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 1421 RIDGE TERRACE?+
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 Tarpon Springs?+
At $359,900, this home is listed about 17% below the Tarpon Springs median of $434,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1421 RIDGE TERRACE?+
Tarpon Springs High School (high), Tarpon Springs Middle School (middle), Sunset Hills Elementary School (elementary) — 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
$359,900 runs 12% above the TARPON SPRINGS 34689 median.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Tarpon Springs High School, Tarpon Springs Middle School, Sunset Hills Elementary School — Sunset Hills Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $364,900, now $359,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FIRST FLORIDA REALTY LLC · Michael Koursiotis. MLS #W7887155.
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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