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$374,900

403 HARBOR RIDGE DRIVE, PALM HARBOR, FL 34683

3D Tour
Active137 days on market

Beds

3

Baths

3

Sq Ft

1,700 sq ft

Year Built

2012

Lot Size

0.11 acres

Garage

2

About This Property

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!!!

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #TB8510696
StatusActive
Year Built2012
Total Rooms6
ConstructionBlock, Stucco, Wood Frame
RoofShingle
FoundationSlab
FacesWest
SubdivisionHARBOR RIDGE OF PALM HARBOR
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorEating Space In Kitchen, High Ceilings, Stone Counters, Thermostat
FlooringCarpet, Ceramic Tile, Hardwood
AppliancesCooktop, Dishwasher, Disposal, Microwave, Range, Range Hood, Refrigerator, Water Filtration System, Water Purifier, Water Softener
LaundryInside
WindowsBlinds
CoolingCentral Air
HeatingCentral, Heat Pump
SecuritySecurity System Owned, Smoke Detector(s)

Exterior & Lot

ExteriorSidewalk, Sliding Doors
Lot Size0.11 acres (4,970 sq ft)
Road SurfaceAsphalt, Paved
ViewWater
0

Utilities

WaterNone
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Cable Connected, Electricity Connected, Sewer Connected, Street Lights

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$420 / Monthly
Senior CommunityNo

Financial Details

List Price$374,900
Original Price$399,900
Annual Taxes$6,530 (2025)
FinancingAssumable, Cash, Conventional, FHA, VA Loan
ZoningRPD-5
Parcel #232715363020000170

Schools

ElementarySutherland Elementary-PN
MiddleTarpon Springs Middle-PN
HighTarpon Springs High-PN

Directions

From US 19 North turn west on Klosterman Ave - south on Alt 19 to Harbor Ridge Townhomes is 1/4 mile south on the right onto Harbor Ridge Boulevard follow to address unit on the left side.

Location

403 HARBOR RIDGE DRIVE, PALM HARBOR, FL 34683

Listing Information

OfficeJASON MITCHELL REAL ESTATE FLO
ListedMay 22, 2026

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Home Price

$374,900

20% ($74,980)
6.75%

Loan Term

Principal & Interest$1,945
Property Tax (est.)$344
Insurance (est.)$150
Total Monthly$2,439
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $374,900 home in PALM HARBOR.

🏛️

FHA Loan

$13,122 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$18,745 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 24, 2026.

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