Cobbs Ridge
Homes for Sale in Palm Harbor, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 3 closed sales in Cobbs Ridge Ph 02 in Palm Harbor, FL since 2005, the most recent in March 2009. Across Palm Harbor as a whole, 848 homes closed in the last 12 months at a median of $366,500, 47 median days on market, with 246 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,110 ($6,290 with the full homestead exemption).
Cobbs Ridge Ph 02 is a small, single-vintage pocket — 46 homes, all built within a tight 1993 to 1995 window, with a median size of 2,071 square feet. That consistency means less variation in construction style or layout than you'd find in a community built out over a decade, so pricing here tends to track condition and updates rather than a wide range of floor plans.
With just over 91% of homes carrying a homestead exemption, most of this community turns over slowly. Listings don't come up often, and when they do, there isn't a large comparable pool sitting active at the same time. Buyers should expect to move with intention once something surfaces; sellers should expect a market that rewards a well-presented, move-in-ready listing over one priced to test the ceiling.
Nearby homes for sale
No active listings inside Cobbs Ridge Ph 02 right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
A compact, mid-1990s enclave in Palm Harbor built out in a short window, which keeps the housing stock consistent in age and size rather than a mix of eras.
Stellar MLS sales records identify 42 homes in Cobbs Ridge that have changed hands since 2004, built between 1993 and 1995 (median 1994), with a median living area of about 1,811 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Cobbs Ridge is best for.
Best for
- A buyer targeting a mid-sized, mid-1990s home in Palm Harbor with no amenity premium built into the price
- A buyer comfortable waiting for the right listing in a low-turnover community
- A buyer who wants to evaluate the home on its own merits rather than a shared amenity package
Probably not for
- A buyer who wants an HOA-run pool, clubhouse, or organized amenity set as part of the purchase
- A buyer who needs a large active inventory of similar homes to compare before deciding
- A buyer prioritizing newer construction over an established mid-1990s build
The market around Cobbs Ridge
Cobbs Ridge is too small for its own price trend, so here is the market around it.
In ZIP 34684, 285 homes are on the market and 21% are under contract — a steady corner of Palm Harbor.
Across Pinellas County, 6,628 homes are active and 1,729 pending (21% under contract).
In ZIP 34684 (Palm Harbor), 621 homes closed in the last 12 months at a median of $350K ($256/sq ft), down 2.8% year over year, with a median 46 days on market. Right now 124 active and 33 pending listings put supply at about 4.2 months — a balanced market. See the live ZIP 34684 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Cobbs Ridge specifically. Momentum Research analysis of MLS records.
Cobbs Ridge Ph 02 by the numbers
From county property records and closed MLS sales for the Cobbs Ridge Ph 02 subdivision: 8 homes on record; built 1994–1995; typical size about 1,805 heated sq ft; 3 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2004 | 1 | $199,600 |
| 2005 | 2 | $269,500 |
| 2006 | 1 | $343,000 |
| 2009 | 2 | $220,000 |
| 2010 | 1 | $247,000 |
| 2011 | 1 | $180,000 |
Newest recorded sale: $180,000 on 2011-06-16.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
The Cobbs Ridge buying strategy.
If we were buying in Cobbs Ridge today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cobbs Ridge.
A tight-knit build window, a thin resale pipeline
Every home in Cobbs Ridge Ph 02 dates to 1993, 1994, or 1995 — a three-year construction span that gives the community a uniform age profile. At a median 2,071 square feet, homes here run mid-sized, the kind of footprint that works for a range of layouts without pushing into oversized-lot or luxury territory. There's no documented community amenity package in current MLS listings, so this isn't a neighborhood selling on a clubhouse or pool — its case is built on the home itself and the Palm Harbor location.
The homestead share, above 91%, is the number worth sitting with. It signals that most owners have been in place long enough to file for exemption, not a community cycling through short-term ownership. Practically, that means fewer listings at any given time and less pressure from investor-driven or rapid-flip inventory. For a buyer, it means patience matters more than speed-to-offer. For a seller, it means your listing likely stands with limited direct competition inside the community — a fact that Palm Harbor and Pinellas County comps have to fill in from surrounding developments.
The location and the amenities are priced into every listing in Cobbs Ridge. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small, with this little listing volume, the comps that matter most are often outside the subdivision boundary — recent sales in similar-vintage Palm Harbor product. We track those cross-community comparisons directly, so pricing conversations are grounded in real, current data rather than guesswork extrapolated from a handful of aging sales.
Cobbs Ridge in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Cobbs Ridge buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cobbs Ridge sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cobbs Ridge, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cobbs Ridge home worth?
Get a no-obligation home value based on real comparable sales in Cobbs Ridge, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Palm Harbor →
Should you buy in Cobbs Ridge?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2005 (3 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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See how Cobbs Ridge Ph 02 fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Cobbs Ridge. These are the public schools most often assigned to other communities in ZIP 34684; zones change and vary by address, so confirm with the district before you buy.
- Palm Harbor University High School · Public · FLDOE grade A (assigned to 3 nearby communities)
- Highland Lakes Elementary · Public · FLDOE grade B (assigned to 2 nearby communities)
- Sutherland Elementary School · Elementary · FLDOE grade A (assigned to 2 nearby communities)
- Palm Harbor Middle School · Middle · FLDOE grade A (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Cobbs Ridge
Where is Cobbs Ridge?
Cobbs Ridge is a community in Palm Harbor, Pinellas County, Florida, ZIP 34684.
How many homes are in Cobbs Ridge?
County property records list 8 homes in Cobbs Ridge, built between 1994 and 1995; the typical home is about 1,805 heated square feet.
What do homes in Cobbs Ridge sell for?
Cobbs Ridge has no MLS sales in the last 12 months. The most recent year with recorded sales on file is 2011 (1 sale, median $180,000). For context, ZIP 34684 has 285 homes on the market with 21% under contract.
Are there homes for sale in Cobbs Ridge right now?
No active listings inside Cobbs Ridge at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Cobbs Ridge have an HOA or CDD?
No HOA is on record for Cobbs Ridge in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
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