Harbor Ridge Of Palm Harbor
Homes for Sale in Palm Harbor, FL
All 583 homes for sale in Palm Harbor, FL · median $379,900 · 57 townhomes for sale in Palm Harbor · 178 homes for sale in 34683 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Harbor Ridge Of Palm Harbor in Palm Harbor, FL has 4 homes for sale and 1 pending, asking from $373,999 to $399,900 (median $374,700). Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $393,000, $231 per square foot, a median 30 days on market, sellers accepting 99% of original asking (+5% versus the prior year). Homes listed or recently sold were built 2010 - 2016; 8 of 8 report an HOA (median $420/mo); 3 of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 11 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,620 ($6,810 with the full homestead exemption).
Homes For Sale Right Now in Harbor Ridge Of Palm Harbor
Live MLS inventory for Harbor Ridge Of Palm Harbor. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 34 daysTop listing
Active · 125 days
Active · 122 days
Active · 104 days
Pending · 138 daysActive and pending Harbor Ridge Of Palm Harbor listings as of 2026-10-19, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
Harbor Ridge Of Palm Harbor right now
🟢 Buyer-leaning market. 20.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Medium (5 active and pending listings, 3 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($393K) is up 4.8% from the prior 12 months ($375K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (3 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 20, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Harbor Ridge Of Palm Harbor market snapshot (as of September 20, 2026): the median sale price is about $393K ($231 per sq ft over the trailing 12 months of closed sales), a median 30 days on market for closed sales, and 20.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 5% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).
In ZIP 34683 (Palm Harbor), 544 homes closed in the last 12 months at a median of $492K ($285/sq ft), down 1.6% year over year, with a median 49 days on market. Right now 113 active and 31 pending listings put supply at about 3.9 months - a balanced market. See the live ZIP 34683 housing market and the Pinellas County market.
County records show 16 qualified sales in Harbor Ridge Of Palm Harbor across 2024 - 2025 (11 in 2024, 5 in 2025), median $428,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Harbor Ridge Of: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 62% sit outside the FEMA Special Flood Hazard Area (Zone X); 38% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Palm Harbor.
Harbor Ridge Of Palm Harbor is a community of 152 homes in Palm Harbor, Pinellas County, built between 1960 and 2022 (median 2010.0), with a median living area of about 1,700 square feet. 76% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Harbor Ridge Of Palm Harbor. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Harbor Ridge Of Palm Harbor
Harbor Ridge Of Palm Harbor
Harbor Ridge Of Palm HarborPhotos from Stellar MLS listings in Harbor Ridge Of Palm Harbor; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($393K) IS the median in the snapshot above, and the move from 2025 ($375K) IS the +4.8% one-year change.
Windows contain 0 to 6 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Deemed reliable but not guaranteed.
25% of homes for sale in ZIP 34683 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
Harbor Ridge Of Palm Harbor Market Scorecard
Harbor Ridge Of Palm Harbor is currently a buyer-leaning market. About 20.0 months of supply, a median asking price of $374,900, and homes go under contract in about 122 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Harbor Ridge Of Palm Harbor 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 contributors.
Life at Harbor Ridge Of Palm Harbor
- Pool · reported on 9 of 9 listings
- Community Mailbox · reported on 6 of 9 listings
- Deed Restrictions · reported on 5 of 9 listings
- Vehicle Restrictions · reported on 1 of 9 listings
- Irrigation-Reclaimed Water · reported on 1 of 9 listings
- Secured Garage/Parking · reported on 1 of 9 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
- Sutherland Elementary-PN · Elementary
- Tarpon Springs Middle-PN · Middle
- Tarpon Springs High-PN · High
Zoned schools reflect the assignments reported on recent Harbor Ridge Of Palm Harbor 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 Harbor Ridge Of Palm Harbor address.
Shop the zone: Homes zoned for Tarpon Springs High-Pn High School
The Harbor Ridge Of Palm Harbor buying strategy.
If we were buying in Harbor Ridge Of Palm Harbor 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Harbor Ridge Of Palm Harbor.
A closer look at the Harbor Ridge Of Palm Harbor market
At a median of $231 per square foot, Harbor Ridge Of Palm Harbor prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 20.0 months of supply, a buyer-leaning market and the trailing-12-month median up 5% year over year. Homes that do trade take a median 30 days on market, useful leverage on any listing that has lingered.
The housing stock is 152 homes built between 1960 and 2022, and 76% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Harbor Ridge Of Palm Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harbor Ridge Of Palm Harbor buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.0). Basis: Recent Direction +4.8% year-over-year; Liquidity & Demand 20.0 months of supply; Owner Commitment 76% owner-occupied; Pricing Power 98.7% sale-to-list. Refreshed with each data update.
What it really costs to own in Harbor Ridge Of Palm Harbor
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $420/month across 7 MLS listings (most billed monthly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 8 listing addresses checked against the FEMA flood map, 62% sit outside the high-risk zone and 38% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2013 across 7 listings. An original roof here is about 13 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Email me new listings in Harbor Ridge Of Palm Harbor
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Harbor Ridge Of Palm Harbor
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harbor Ridge Of Palm Harbor will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $420/month (about $5,040/yr) · median of 7 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $420 per month ($5,040 a year) - the median AssociationFee across 7 MLS records, normalised to a monthly figure; most are billed monthly. 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.
Flood & Insurance Context
Of 8 sampled listing addresses in this community: 62% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 38% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=8) · as of 2026-10
Tools for a Harbor Ridge Of Palm Harbor 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 Harbor Ridge Of Palm Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Ridge Of Palm Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Ridge Of Palm Harbor home worth?
Get a no-obligation home value based on real comparable sales in Harbor Ridge Of Palm Harbor, 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 →
| Location | Palm Harbor, Pinellas County, FL · ZIP 34683 |
|---|---|
| Homes in the community | 152 (FL DOR 2025 assessment roll) |
| Years built | 1960–2022 (median 2010.0) |
| Typical living area | 1,700 sq ft (median) |
| Home types (current listings and sales) | townhouses 100% |
| Amenities listed by sellers | Pool, Community Mailbox, Deed Restrictions, Irrigation-Reclaimed Water, Vehicle Restrictions |
| Sale prices, last 12 months | $393,000 median across 3 closed sales · $231 per sq ft · +4.8% vs the prior 12 months |
| Days on market (closed sales) | 30 median |
| For sale right now | 5 active, 0 pending · median asking $374,900 · 20.0 months of supply |
| Owner-occupied (homestead) share | 76% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Ridge Of Palm Harbor key facts,” movewithmomentum.com/neighborhoods/harbor-ridge-of-palm-harbor, data as of September 20, 2026.
Just listed in Harbor Ridge Of Palm Harbor
The newest homes for sale in Harbor Ridge Of Palm Harbor right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 477 Harbor Ridge Drive $373,999 · 3 bd · 2.5 ba · 1,700 sq ft · 118 days on market Courtesy of KEY PREMIER REALTY
- 485 Harbor Ridge Drive $374,500 · 3 bd · 2.5 ba · 1,700 sq ft · 131 days on market Courtesy of PALM PARADISE REALTY GROUP
- 403 Harbor Ridge Drive $374,900 · 3 bd · 2.5 ba · 1,700 sq ft · 150 days on market Courtesy of JASON MITCHELL REAL ESTATE FLO
- 336 Harbor Ridge Drive $399,900 · 3 bd · 2.5 ba · 1,700 sq ft · 160 days on market Courtesy of KELLER WILLIAMS REALTY- PALM H
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Harbor Ridge Of Palm Harbor Right Now (5)
All 5 active and pending Harbor Ridge Of Palm Harbor listings with a detail page, newest first, refreshed twice a day from the MLS.
- 336 Harbor Ridge Drive · $399,900 · 3 bd / 2.5 ba · listed Aug 7, 2026 · listed by Keller Williams Realty- Palm H
- 477 Harbor Ridge Drive · $373,999 · 3 bd / 2.5 ba · listed Jul 22, 2026 · listed by Key Premier Realty
- 485 Harbor Ridge Drive · $374,500 · 3 bd / 2.5 ba · listed Jul 22, 2026 · listed by Palm Paradise Realty Group
- 403 Harbor Ridge Drive · $374,900 · 3 bd / 2.5 ba · listed Jul 22, 2026 · listed by Jason Mitchell Real Estate Flo
- 441 Harbor Ridge Drive · $369,990 · 3 bd / 2.5 ba · pending · listed Jul 22, 2026 · listed by Lpt Realty, Llc
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Palm Harbor guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Palm Harbor? Join Momentum in Palm Harbor: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Harbor Ridge Drive (35 homes on record)
- Harbor Ridge Drive (1 homes on record)
Frequently Asked Questions
What is the median home price in Harbor Ridge Of Palm Harbor?
How long do homes in Harbor Ridge Of Palm Harbor take to sell?
Is Harbor Ridge Of Palm Harbor a buyer's or seller's market right now?
How many homes are in Harbor Ridge Of Palm Harbor?
What share of Harbor Ridge Of Palm Harbor is owner-occupied?
When were the homes in Harbor Ridge Of Palm Harbor built?
Who is the best real estate agent for Harbor Ridge Of Palm Harbor?
How do I find a top Palm Harbor real estate agent who knows Harbor Ridge Of Palm Harbor?
Can Momentum Realty connect me with an agent for Harbor Ridge Of Palm Harbor?
Where is Harbor Ridge Of Palm Harbor, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 19, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34683)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (23 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?
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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 Harbor Ridge Of Palm Harbor fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Harbor Ridge Of Palm Harbor
- Home values · What homes in Harbor Ridge Of Palm Harbor actually sell for
- Find an agent · How to choose the best real estate agent in Harbor Ridge Of Palm Harbor
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Explore more neighborhoods near Harbor Ridge Of Palm Harbor with Momentum Realty’s local guides.