441 Harbor Ridge Dr, photo 1
Active Under Contract
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Overview

3 bd3 ba1,700 sqft2 car garageTownhouse
TypeTownhouse
HOA$420/mo
Built2013
Lot3,062 sqft
Living area1,700 sqft
Price / sqft$218
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSplit BedroomThermostatWalk-in Closet(s)

441 Harbor Ridge Dr is a 2013-built home in Harbor Ridge Of Palm Harbor, Palm Harbor. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,700 square feet of living space. Listed at $369,990 (about $218/sqft), 146 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $420 monthly.

From the listing

Under contract-accepting backup offers. HUGE PRICE DROP… MOTIVATED SELLER!!! PLUS… 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.

The essentials

Built
2013
Price / sqft
$218
On market
146 days
Annual tax
$7,155
HOA
$420/mo
Flood zone
X · Low risk
Lot
3,062 sqft
Type
Townhouse

At a glance

Townhouse
Built 2013
Community pool
Shared amenity
2 car garage
3,062 sqft lot
Lot size
1,700 sqft
Living area

Payment

Est. monthly payment
$3,131/mo
Down payment (20%)
$73,998
Property taxes
$596/mo
HOA
$420/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2013
Lot
3,062 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
146
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Split Bedroom
Thermostat
Walk-in Closet(s)
Lighting
Rain Gutters
Sidewalk
Community Mailbox
Deed Restrictions
Pool
Sidewalks
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Sutherland Elementary-PN
Middle
Tarpon Springs Middle-PN
High
Tarpon Springs High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$7,155
Parcel #
23-27-15-36302-000-0240

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Harbor Ridge Of Palm Harbor
County
Pinellas
MLS Area
34683 - Palm Harbor
Lot Size
3,062 sqft
In CountyLandscapedPaved
HOA
$420/mo
Angela Johnson

Price history

Date
Event
Price
10/10/2026
Pending sale
Source: Stellar MLS #TB8508907
$369,990
$218/sqft
9/13/2026
Price change
Source: Stellar MLS #TB8508907
$369,990-2.6%
$218/sqft
-
Price change
Source: Stellar MLS #TB8508907
$379,990-3.8%
$224/sqft
5/18/2026
Listed for sale
Source: Stellar MLS #TB8508907
$395,000
$232/sqft

Neighborhood

441 Harbor Ridge Dr
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $369,990
$365,000 – $369,990
98.9% – 100% of listTops out right at the list price
80% of listList price
35 of the last 68 townhouse or villa closings in 34683 landed at this number or higher (51%). The median one sat 35 days before it went under contract, and this one is on day 146 after a $25,010 cut.

Sample: 68 closed townhouse or villa sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,131/mo
Principal & interest$1,930
Property taxes$596
Insurance$185
HOA$420
Down payment20% · $73,998
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$369,990

$218 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,700 sq ft

Time on market

146 days

Year built

2013

Monthly payment

About $3,131/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,155 annual tax bill, insurance, and the $420/mo HOA fee.

HOA fee

$420/mo

Managed by Angela Johnson.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byLPT REALTY, LLCListing agent: Angie HaddonListing data from Stellar MLS, MLS# TB8508907.

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