COBBS RIDGE PH TWO
Homes for Sale in PALM HARBOR, FL
True comps, carrying-cost math, and listings before the portals.
Cobbs Ridge Ph Two shows zero active listings as of this snapshot, with only two closings recorded in the most recent window. That is not a market with much to react to — it is a market you have to watch and wait on, or work through off-market and pre-market channels to find anything at all.
The community's 92.5% homestead share tells you most of what you need to know about turnover here: these are owner-occupied homes, not a rotating stock of rentals or flips. When something does list, expect it to move on its own timeline rather than a predictable seasonal pattern, and expect condition — not comps — to drive the conversation on price.
The 60-Second Overview
Cobbs Ridge Ph Two is a single-phase community of 53 homes built within a tight 1993-1995 window in Palm Harbor, carrying deed restrictions and a median living area of 2,168 square feet.
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.
The setting & the homes.
Aerial and on-site photos of COBBS RIDGE PH TWO. Swipe to explore the community.
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COBBS RIDGE PH TWOWho COBBS RIDGE PH TWO is best for.
Best for
- Buyers who have flexibility on timing and want to be first in line when a home in this community does list
- Buyers comparing single-family homes of a specific 1990s vintage and similar square footage in Palm Harbor
- Buyers comfortable purchasing under deed restrictions and confirming HOA terms directly before closing
Probably not for
- Buyers who need to close within a fixed short window and cannot wait on inventory
- Buyers who want a large pool of active listings to compare before deciding
- Buyers seeking a newer-build home outside the 1993-1995 construction range
The market around COBBS RIDGE PH TWO
COBBS RIDGE PH TWO is a small community — 6 recorded sales on file, most recently in 2023 — too few for its own price trend. Here is the market around it.
In ZIP 34684, 275 homes are on the market and 22% are under contract — a steady corner of PALM HARBOR.
Across Pinellas County, 6,999 homes are active and 1,872 pending (21% under contract).
The housing mix here is 97% single family residence, 3% ?.
ZIP and county figures describe the wider market, not COBBS RIDGE PH TWO specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in COBBS RIDGE PH TWO, PALM HARBOR
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.
COBBS RIDGE PH TWO on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at COBBS RIDGE PH TWO
- Deed Restrictions · reported on 1 of 1 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent COBBS RIDGE PH TWO listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any COBBS RIDGE PH TWO address.
The COBBS RIDGE PH TWO buying strategy.
If we were buying in COBBS RIDGE PH TWO 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 PH TWO.
One Build Era, One Set of Rules
With a median year built of 1994 and a construction window spanning just three years, the homes in this community share a common era of design and systems age. Buyers get a fairly consistent baseline to evaluate against — roofs, electrical, and mechanicals are all likely to be at a similar point in their lifecycle, which simplifies inspection expectations even if it means many owners are facing similar replacement timelines around the same period.
Deed restrictions govern the community, which typically means some uniformity in exterior standards and use, though the amenities noted here are drawn from MLS listing history rather than a current HOA document — anyone serious about buying should confirm current rules, fees, and any amenity access directly with the association before writing an offer.
The location and the amenities are priced into every listing in COBBS RIDGE PH TWO. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A community with no active listings and a homestead share this high does not reward a generic search — it rewards someone who knows the plat, tracks the rare closing, and can put a buyer in front of a seller before a sign goes in the yard. That is the work we do in Cobbs Ridge Ph Two.
COBBS RIDGE PH TWO in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA. Confirm current dues
- 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 PH TWO 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 PH TWO 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 PH TWO, 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 PH TWO home worth?
Get a no-obligation home value based on real comparable sales in COBBS RIDGE PH TWO, 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 homes for sale in COBBS RIDGE PH TWO on the map →
Frequently Asked Questions
How many homes are in COBBS RIDGE PH TWO?
What share of COBBS RIDGE PH TWO is owner-occupied?
When were the homes in COBBS RIDGE PH TWO built?
Do cash buyers compete in COBBS RIDGE PH TWO?
What schools serve COBBS RIDGE PH TWO?
Who is the best real estate agent for COBBS RIDGE PH TWO?
How do I find a top PALM HARBOR real estate agent who knows COBBS RIDGE PH TWO?
Can Momentum Realty connect me with an agent for COBBS RIDGE PH TWO?
Should you buy in COBBS RIDGE PH TWO?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near COBBS RIDGE PH TWO with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: August 2, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (4 streets, ZIP 34684)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2012 (24 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 your area comps.
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