Cobbs Ridge
Homes for Sale in Palm Harbor, FL
All 545 homes for sale in PALM HARBOR, FL · median $375,500 · 214 homes for sale in 34684 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 25 closed sales in Cobbs Ridge Ph Two in Palm Harbor, FL since 2012, the most recent in July 2026. Across Palm Harbor as a whole, 852 homes closed in the last 12 months at a median of $365,000, 46 median days on market, with 238 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,080 ($6,260 with the full homestead exemption).
| Location | PALM HARBOR, Pinellas County, FL · ZIP 34684 |
|---|---|
| Homes in the community | 53 (FL DOR 2025 assessment roll) |
| Years built | 1993–1995 (median 1994) |
| Typical living area | 2,168 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 92% |
| Zoned public schools | Pinellas County Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cobbs Ridge Ph Two key facts,” movewithmomentum.com/neighborhoods/cobbs-ridge-ph-two-palm-harbor, data as of September 20, 2026.
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.
Nearby homes for sale
No active listings inside Cobbs Ridge Ph Two 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
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.
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.
County records show 9 qualified sales in Cobbs Ridge across 2024 - 2025 (6 in 2024, 3 in 2025), median $565,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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
- 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
Cobbs Ridge is too small for its own price trend, so here is the market around it.
In ZIP 34684, 282 homes are on the market and 21% are under contract — a steady corner of Palm Harbor.
Across Pinellas County, 6,539 homes are active and 1,627 pending (20% under contract).
In ZIP 34684 (PALM HARBOR), 620 homes closed in the last 12 months at a median of $355K ($256/sq ft), down 2.2% year over year, with a median 45 days on market. Right now 120 active and 37 pending listings put supply at about 4.3 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.
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 September 2026 through September 2026. Deemed reliable but not guaranteed.
Life at Cobbs Ridge
- 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 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 address.
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.
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. 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 in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $53/month (about $636/yr) · median of 42 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $53 per month ($636 a year) - the median AssociationFee across 42 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Frequently Asked Questions
How many homes are in Cobbs Ridge?
What share of Cobbs Ridge is owner-occupied?
When were the homes in Cobbs Ridge built?
What schools serve Cobbs Ridge?
Who is the best real estate agent for Cobbs Ridge?
How do I find a top Palm Harbor real estate agent who knows Cobbs Ridge?
Can Momentum Realty connect me with an agent for Cobbs Ridge?
Where is Cobbs Ridge, and what county is it in?
Should you buy in Cobbs Ridge?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 34684)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2012 (25 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.
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See how Cobbs Ridge Ph Two fits the bigger picture — live prices, inventory, and Momentum Scores:
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