356 HARBOR RIDGE DRIVE, Palm Harbor, FL, 34683 | $389,000

Under contract-accepting backup offers. This beautiful, light-filled corner townhome feels special from the start, with a private side entrance featuring a 9-foot entry door and a rare side paver patio. Inside, the foyer with art niche opens to a spacious open floor plan with 10-foot ceilings and a stunning 14-foot wall of triple sliding doors that pocket back to create an extra-wide opening to the tiled, screened lanai and extended paver patio overlooking a peaceful pond—making you feel right on the water. Mature cypress trees welcome summer shade. Built with quality and thoughtfully upgraded by meticulous owners, this home truly stands out.
The kitchen offers ALL NEW STAINLESS-STEEL APPLIANCES(2025), solid wood cabinetry with 44-inch uppers, granite countertops, a closet pantry, and space for a dining table or coffee station. The lower level features tile flooring throughout, crown molding, and a half bath. The two-car garage provides ample space for shelving or an extra freezer and includes a separate utility closet with a BRAND-NEW HOT WATER HEATER (FEB 2026).
Upstairs, vaulted ceilings and beautiful hardwood floors enhance the space. The spacious primary suite enjoys serene water views, an oversized walk-in closet, and an en-suite bath with a walk-in shower. A hall laundry closet—conveniently located near all bedrooms—includes a NEW WASHER AND DRYER ( 2025) plus extra shelving. Two additional generously sized bedrooms share a second bath with a tub/shower, along with an additional hall closet.
All windows and sliders are impact-rated. Additional features include a newer custom front screen door for excellent cross-breezes, fresh interior and exterior paint, newer blinds, ceiling fans in every room (including the lanai), a newer kitchen sink and faucet, updated toilets, cultured marble vanity tops, bullnose corners, and raised-panel doors with lever handles throughout. THE AIR CONDITIONER IS JUST ONE YEAR OLD, AND THE ROOF WAS REPLACED IN 2026. While the roof is the HOA’s responsibility, the recent replacement may help reduce insurance costs. FLOOD INSURANCE IS NOT REQUIRED; however, sellers have an inexpensive policy in place that can be assumed at no cost through June. There was no flooding or power loss during Hurricanes Helene or Milton.
The well-run community allows two pets with no size restrictions. The low HOA fee includes water, sewer, trash and recycling, high-speed internet, expanded cable, landscaping, irrigation, exterior building and roof maintenance, and a community pool with cabana.
Ideally located just minutes from historic Tarpon Springs and Dunedin, the home offers easy access to world-class beaches, county parks, golf courses, shopping, and dining. Walk to nearby nature trails or hop on the 45-mile Pinellas Trail just across the street. The Jolley Trolley, operating seven days a week year-round, also stops very nearby.
U. S. News & World Report ranked Palm Harbor #2 Best Place to Live in Florida for 2025 & 2026, citing its highly rated schools, prime location, exceptional lifestyle, prestigious resorts and parks, and safe, family-friendly atmosphere.
Schedule a showing today and see all this home has to offer

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Laundry Closet, Upper Level
  • Year Built: 2012
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,700
  • Acreage: 0.07
  • Est. Taxes: $3,537
  • HOA Fee: $420 Monthly
  • View: Water
  • Elem. School: Sutherland Elementary-PN
  • Middle School: Tarpon Springs Middle-PN
  • High School: Tarpon Springs High-PN
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer
  • MLS#: TB8473214
  • Days on Market: 35 days
  • Website: https://www.raveis.com
    /prop/TB8473214/356harborridgedrive_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/11/2026 6:00:02 AM)

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NMLS Mortgage Loan Originator ID 90874

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356 HARBOR RIDGE DRIVE, Palm Harbor, FL, 34683

$389,000

Isabelle Monnexant

Sales Associate

William Raveis Real Estate

Phone: 959.213.7783

Isabelle.Monnexant@Raveis.com

Christine Preston

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.521.7207

Christine.Preston@raveis.com

NMLS Mortgage Loan Originator ID 90874

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $311,200 $311,200 $311,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.668%
Monthly Tax Payment $295 $295 $295
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,841 $1,916 $2,522
Total Monthly Payment $2,211 $2,286 $2,892

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.