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Overview

3 bd3 ba1,700 sqft2 car garageTownhouse
TypeTownhouse
HOA$425/mo
Built2014
Lot2,901 sqft
Living area1,700 sqft
Price / sqft$220
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimarybedroom UpstairsWalk-in Closet(s)Window Treatments

485 Harbor Ridge Dr is a 2014-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 $374,500 (about $220/sqft), 127 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $425 monthly.

From the listing

CHECK OUT THIS BRIGHT BEAUTY! Welcome to this beautiful waterfront end-unit townhome in the desirable Harbor Ridge community of Palm Harbor. This well-maintained 3-bedroom, 2.5-bath home features a 2-car garage, serene pond views, soaring ceilings, abundant natural light, and tile on main floor and laminate flooring throughout second level. The open-concept floor plan includes a spacious living area, screened lanai, and an updated kitchen with granite countertops, wood cabinetry, stainless steel appliances, breakfast bar, and walk-in pantry. Upstairs, the primary suite overlooks the water and offers a large walk-in closet and ensuite bath. Updates include hurricane-impact windows and sliders (2014), HVAC (2023), refrigerator (2024), dishwasher (2020), upgraded insulation, and flooring (2020). This quiet community unit is only connected on one side. Harbor Ridge residents enjoy a community POOL, cabana, and low HOA fees covering exterior maintenance, grounds, cable, water, sewer, trash and roof. Conveniently located just minutes from the Gulf beaches and only 15 minutes from Honeymoon Island State Park, this home offers easy access to the local Trolly route, Pinellas Trail, downtown Palm Harbor, Dunedin, and Tarpon Springs. With nearby access to US-19, you'll enjoy an abundance of shopping, dining, healthcare facilities, and a convenient drive to Tampa International Airport. Come check it out today!

The essentials

Built
2014
Price / sqft
$220
On market
127 days
Annual tax
$6,587
HOA
$425/mo
Flood zone
X · Low risk
Lot
2,901 sqft
Type
Townhouse

At a glance

Townhouse
Built 2014
Water views
Water
Community pool
Shared amenity
2 car garage
Garage Door Opener
2,901 sqft lot
Lot size

Payment

Est. monthly payment
$3,114/mo
Down payment (20%)
$74,900
Property taxes
$549/mo
HOA
$425/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
2014
Lot
2,901 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener
Days on Market
127
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primarybedroom Upstairs
Walk-in Closet(s)
Window Treatments
Lighting
Rain Gutters
Sidewalk
Community Mailbox
Deed Restrictions
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$6,587
Parcel #
23-27-15-36302-000-0290

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
2,901 sqft
HOA
$425/mo
Ameritech-Angela Johnson

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #TB8516650
$374,500-1.4%
$220/sqft
-
Price change
Source: Stellar MLS #TB8516650
$379,900-2.3%
$223/sqft
6/7/2026
Listed for sale
Source: Stellar MLS #TB8516650
$389,000
$229/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $374,500
$370,000 – $374,500
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 127 after a $14,500 cut.

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

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Calculator

Est. monthly payment
$3,114/mo
Principal & interest$1,953
Property taxes$549
Insurance$187
HOA$425
Down payment20% · $74,900
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 includes any condo dues 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

$374,500

$220 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,700 sq ft

Time on market

127 days

Year built

2014

Monthly payment

About $3,114/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,587 annual tax bill, insurance, and the $425/mo HOA fee.

HOA fee

$425/mo

Managed by Ameritech-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

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Brokered byPALM PARADISE REALTY GROUPListing agent: Sherman GilbertListing data from Stellar MLS, MLS# TB8516650.

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