368 HARBOR RIDGE DRIVE, PALM HARBOR, FL, 34683
Active59 days on marketListed Aug 21, 2026MLS #J1004316
About this home
368 HARBOR RIDGE DRIVE
Welcome to Harbor Ridge Townhomes, where comfort, style, and a prime Palm Harbor location come together. This well cared-for end unit townhome residence offers an abundance of natural light and tranquil lake views, creating the perfect blend of everyday living and peaceful relaxation. A private side entrance welcomes you into a spacious open-concept design and durable LVP flooring throughout the main living area. A convenient first-floor powder room adds functionality, while an expansive wall of 14-foot pocketing triple sliding glass doors opens seamlessly to the screened lanai Designed with both beauty and practicality in mind, the kitchen showcases rich solid wood cabinetry, solid surface countertops, stainless steel appliances, and a generous pantry. An additional dining nook offers the flexibility for a breakfast area, coffee bar, or workspace to fit your lifestyle. Upstairs, vaulted ceilings create a bright, inviting atmosphere throughout the second level. The spacious owner’s retreat overlooks the pond and features a large walk-in closet along with a beautifully updated ensuite bathroom complete with a walk-in shower. Two additional bedrooms are generously sized and share a full bath with a tub/shower combination. A centrally located laundry closet includes a newer washer and dryer along with additional shelving for added convenience. The oversized two-car garage features offers ample room for storage, tools. recreational equipment, or an additional refrigerator or freezer. A separate utility closet provides even more storage options. Harbor Ridge Townhomes offers exceptional value with low monthly HOA fees that include water, sewer, trash, recycling, expanded cable, exterior building maintenance, roof replacement, landscaping, irrigation, and access to the community pool and cabana. The pet-friendly community welcomes up to two pets for homeowners. Limited rental restrictions do apply. For additional peace of mind, this home is located in a non-flood zone, does not require flood insurance, and experienced no flooding or power outages during Hurricanes Helene or Milton. Impact-rated windows, sliding glass doors, and exterior doors provide added storm protection and energy efficiency. Perfectly positioned just minutes from the charming waterfront communities of Tarpon Springs and Dunedin, you’ll enjoy convenient access to award-winning Gulf beaches, championship golf courses, waterfront parks, restaurants, boutique shopping, and the Pinellas Trail located just across the street The nearby Jolley Trolley makes exploring the area simple and convenient year-round. Come discover why Harbor Ridge is the perfect place to call home.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,700
Sqft
0.08 ac
Lot size
2
Garage
2011
Year built
Two
Levels
$228
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,573 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,573/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Harbor actives
$228 vs $268
Days on market
59 vs 68 typical
Where $228/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The numbers that matter
The Palm Harbor market
$420K → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
233 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 368 HARBOR RIDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$405,000
295 N HARBOR DRIVE · same community
3 bd · 2.5 ba · 1,700 sqft · $238/sqft · 30 DOM
Sold · Jun ’26$393,000
497 HARBOR RIDGE DRIVE · same community
3 bd · 2.5 ba · 1,700 sqft · $231/sqft · 11 DOM
Sold · May ’26$389,000
356 HARBOR RIDGE DRIVE · same community
3 bd · 2.5 ba · 1,700 sqft · $229/sqft · 35 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 368 HARBOR RIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 368 HARBOR RIDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
368 HARBOR RIDGE DRIVE FAQs
What would the monthly payment be for 368 HARBOR RIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,573/mo — principal and interest, the actual property-tax bill, the $420/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 368 HARBOR RIDGE DRIVE?+
The association fee works out to $420 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 368 HARBOR RIDGE DRIVE?+
The most recent tax bill on record (2025) was $6,447. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 368 HARBOR RIDGE DRIVE?+
The listing reports pets: Number Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $388,000, this home is priced right at the Palm Harbor median.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1004316.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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