4120 RIDGEMOOR DRIVE, Palm Harbor, FL, 34685 | $1,300,000

Welcome to a home that doesn’t just check the boxes… it builds a whole new list.
Tucked away on a rare, private 1 acre homesite backing to peaceful conservation in beautiful Palm Harbor, this fully reimagined luxury masterpiece offers the kind of privacy, serenity, and everyday “wow” factor that buyers dream about but rarely find. And yes, your neighbors may include a few graceful deer… they don’t make much noise and they never borrow anything.
From the moment you step through the elegant double doors, this home makes an unforgettable first impression. The formal living and dining spaces are warm, refined, and instantly inviting, setting the tone for what’s to come.
Featuring 4 spacious bedrooms, a dedicated office, 3 full bathrooms, and a 3 car garage, this home offers both luxury and functionality. The primary suite is a true retreat, complete with a generous walk-in closet and the kind of space that makes you wonder why you ever settled for less.
At the heart of the home, the open-concept chef’s kitchen and family room deliver exactly what today’s buyers want. A large center island, stunning custom countertops, soaring volume ceilings, and a family room fireplace create the perfect setting for entertaining or simply enjoying a quiet night in. Natural light pours in, and the seamless flow to the outdoor living space makes indoor-outdoor living effortless.
And then there’s the backyard… your own private resort. The sparkling pool area is surrounded by tranquil views, offering a level of peace and relaxation that feels miles away from everything, yet you’re right in the heart of it all. Be careful though… you may sit down “just for a minute” and look up three hours later wondering where the day went.
The secondary bedrooms are generously sized, perfect for family and guests who may suddenly want to visit more often once they see this place.
All of this is located just minutes from world class Gulf beaches, top rated healthcare, golf courses, parks, trails, water activities, premier shopping, and easy access to Tampa International Airport, Clearwater St. Pete Airport, downtown Tampa, and St. Petersburg.
This is more than just a home. It’s space, privacy, luxury, and lifestyle all wrapped into one exceptional property.
Opportunities like this don’t come along often… and when they do, they don’t last.
Schedule your private showing today before someone else beats you to it.

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Inside
  • Year Built: 2016
  • Garage: 3-car Driveway, Garage Door Opener, Split Garage
  • Heating: Central, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 3,432
  • Acreage: 1
  • Est. Taxes: $13,474
  • Lot Desc: Oversized Lot
  • Pool: In Ground
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Microwave
  • MLS#: TB8491190
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /eprop/TB8491190/4120ridgemoordrive_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 6/13/2026 4:46:02 AM)

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Michael Leary, CBR, SRESSales Associate

781.974.2410

Michael.Leary@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
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To learn more about our credentials, visit raveis.com today.

Scott PetersenVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 32556

339.224.0866

Scott.Petersen@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Nicole DelaneyInsurance Sales Director, William Raveis Insurance

781.724.3515

Nicole.Delaney@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

4120 RIDGEMOOR DRIVE, Palm Harbor, FL, 34685

$1,300,000

Michael Leary, CBR, SRES

Sales Associate

William Raveis Real Estate

Phone: 781.974.2410

Michael.Leary@raveis.com

Scott Petersen

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 339.224.0866

Scott.Petersen@raveis.com

NMLS Mortgage Loan Originator ID 32556

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,040,000 $1,040,000 $1,040,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.312% 6.235% 6.223%
Monthly Tax Payment $1,123 $1,123 $1,123
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,152 $6,319 $8,776
Total Monthly Payment $7,400 $7,567 $10,024

* 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.