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Overview

3 bd3 ba1,700 sqft2 car garageTownhouse
TypeTownhouse
HOA$420/mo
Built2012
Lot4,970 sqft
Living area1,700 sqft
Price / sqft$221
Garage2 car

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

About this home

Eat-in KitchenHigh CeilingsStone CountersThermostatSidewalkPoolStreet LightsCooktop

403 Harbor Ridge Dr is a 2012-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 $374,900 (about $221/sqft), 125 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $420 monthly.

From the listing

Wow and Welcome Home to you new Townhouse in the highly sought after Harbor Ridge of Palm Harbor! This corner lot is one of the largest in the community with a serene overlooking the pond! VETERAN OWNED **(VA Loan 4.5% Assumable potential)! This is a MOTIVATED SELLER! Will make a Buyer's concession for the Appliances and Carpet upstairs. This has mature trees, offering the kind of tranquil water views and hand a custom paver back porch and includes a pond front grill / relaxing spot! This beautifully detailed and immaculately maintained 1700 square foot townhouse will have you feeling at home the moment you step foot in the door. The gourmet kitchen boasts solid birch cabinetry, granite counters and high-end Kenmore Elite Appliances. The hardwood floors glean perfection and lead your eyes directly to the pond view. The bedrooms upstairs are separated by a long hallway with laundry closet and plenty of closet space. The master has a fantastic pond view and large walk in closet and the bathroom was updated with glass shower doors. The guest bedrooms are spacious and accommodating. The windows and garage door are hurricane impact proof. Roof is new in 3/5/25 and HVAC new in 7/1/22. This is a beautiful unit on the largest lot with the greatest pond view!!!

The essentials

Built
2012
Price / sqft
$221
On market
140 days
Annual tax
$6,530
HOA
$420/mo
Flood zone
X500 · Low risk
Lot
4,970 sqft
Type
Townhouse

At a glance

Townhouse
Built 2012
Water views
Water
Community pool
Shared amenity
2 car garage
4,970 sqft lot
Lot size

Payment

Est. monthly payment
$3,107/mo
Down payment (20%)
$74,980
Property taxes
$544/mo
HOA
$420/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2012
Lot
4,970 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
-
Days on Market
140
Eat-in Kitchen
High Ceilings
Stone Counters
Thermostat
Sidewalk
Pool
Street Lights
Cooktop
Dishwasher
Disposal
Microwave
Range
Range Hood
Refrigerator
Water Filtration System
Water Purifier
Water Softener
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 X500
Annual Tax (2025)
$6,530
Parcel #
23-27-15-36302-000-0170

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
4,970 sqft
HOA
$420/mo
Angela Johnson

Price history

Date
Event
Price
8/4/2026
Price change
Source: Stellar MLS #TB8510696
$374,900-3.8%
$221/sqft
-
Price change
Source: Stellar MLS #TB8510696
$389,900-2.5%
$229/sqft
5/22/2026
Listed for sale
Source: Stellar MLS #TB8510696
$399,900
$235/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $374,900
$370,000 – $374,900
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 140 after a $25,000 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
$3,107/mo
Principal & interest$1,955
Property taxes$544
Insurance$187
HOA$420
Down payment20% · $74,980
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

$374,900

$221 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,700 sq ft

Time on market

140 days

Year built

2012

Monthly payment

About $3,107/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,530 annual tax bill, insurance, and the $420/mo HOA fee.

HOA fee

$420/mo

Managed by Angela Johnson.

Flood zone

Zone X500

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 byJASON MITCHELL REAL ESTATE FLOListing agent: Bryan RadaListing data from Stellar MLS, MLS# TB8510696.

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