441 HARBOR RIDGE DRIVE, Palm Harbor, FL, 34683 | $395,000

Welcome to coastal living in the heart of Palm Harbor! Perfectly positioned in one of North Pinellas County’s most desirable areas, this beautifully renovated end-unit townhome offers the ideal combination of comfort, convenience, and waterfront scenery. Located just minutes from Downtown Palm Harbor, the famous Sponge Docks of Tarpon Springs, Gulf beaches, shopping, dining, medical facilities, and top local parks, this home puts everything you love about Florida living right at your fingertips. Conveniently located near the community entrance, residents can easily access the local trolley route for a fun and easy ride south toward Clearwater Beach or north toward the shops, restaurants, and waterfront attractions of Tarpon Springs.

Overlooking a peaceful pond with tranquil water views from multiple rooms, this spacious 3-bedroom, 2. 5-bathroom townhome features approximately 1, 700 square feet of thoughtfully updated living space. From the moment you walk in, you’ll notice the open-concept layout, gorgeous wood flooring, and natural light pouring through hurricane impact windows and oversized triple sliding glass doors.

The beautifully updated kitchen features solid wood cabinetry, granite countertops, stainless steel appliances, and a movable island perfect for entertaining or additional prep space. The living and dining room combination flows seamlessly to the screened lanai and additional paver patio, creating the perfect indoor-outdoor setup to enjoy the serene pond views.

Upstairs, bamboo flooring runs throughout all three spacious bedrooms. The primary suite offers stunning water views, a beautifully updated bathroom with a walk-in shower, and an oversized custom walk-in closet with built-in shelving. Additional upstairs features include a full guest bathroom with granite countertops, a dedicated laundry room, and extra hallway storage.

This end-unit also offers a two-car garage, additional built-in storage shelving, and major system updates including a 2025 water heater. The roof, AC, and electrical panel were all original to the 2013 construction, and the HOA has advised roof replacement is planned for 2027. Exterior painting was completed by the HOA in 2022.

The $420 monthly HOA provides exceptional value and includes cable/internet, water/sewer, trash removal, exterior maintenance, lawn/common area maintenance, exterior painting, roof repair/replacement per HOA guidelines, sidewalk/driveway/front walkway power washing, and access to the community pool.

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Closet, Upper Level
  • Style: Contemporary
  • Year Built: 2013
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,700
  • Acreage: 0.07
  • Est. Taxes: $7,155
  • HOA Fee: $420 Monthly
  • Lot Desc: In County, Landscaped
  • View: Garden
  • Elem. School: Sutherland Elementary-PN
  • Middle School: Tarpon Springs Middle-PN
  • High School: Tarpon Springs High-PN
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8508907
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/TB8508907/441harborridgedrive_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 5/22/2026 5:13:08 AM)
Listing courtesy of LPT Realty   Phone: 877-366-2213

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.

Customer Service

888.699.8876

Contact@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
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@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

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@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

441 HARBOR RIDGE DRIVE, Palm Harbor, FL, 34683

$395,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $316,000 $316,000 $316,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $596 $596 $596
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,946 $2,023 $2,645
Total Monthly Payment $2,617 $2,694 $3,316

* 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.