3409 HILL MOOR DRIVE, PALM HARBOR, FL, 34685
Active103 days on marketListed Jul 1, 2026MLS #TB8524584
About this home
3409 HILL MOOR DRIVE
Single-Story Living in Gated Brookhaven! Welcome to easy, light-filled living in sought-after Ridgemoor. This single-story 2-bedroom, 2-bathroom condo offers an open-concept layout with no stairs—just comfortable one-level living. The great room features vaulted ceilings, low-maintenance luxury vinyl plank and tile flooring (no carpet!), and a wood-burning fireplace. The kitchen boasts solid-surface countertops and updated appliances, flowing into the dining area—ideal for everyday living and entertaining. The primary suite includes a private en-suite bath, while the second bedroom and full bath provide flexible space for a home office or guest retreat. Enjoy inside laundry with room for a full-size washer/dryer, plus a private patio just steps from your covered carport. Amenities: Community pool, tennis courts, walking paths, and a secure gated entrance (closed 7 PM–7 AM). HOA covers exterior maintenance and grounds upkeep. Location: Minutes from East Lake dining and shopping, golf courses, the Pinellas Trail, and Honeymoon Island State Park. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
946
Sqft
0.07 ac
Lot size
1986
Year built
One
Levels
$270
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 — not generic estimates.
$2,132 /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
$2,132/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.
vs edgeAI estimate
+53.8%
$/sqft vs BROOKHAVEN
$270 vs $213
Days on market
103 vs 70 typical
Where $270/sqft sits among the 6 homes for sale in BROOKHAVEN
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.
Where it sits
Inside Ridgemoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Ridgemoor — neighborhood snapshot
Population
2,300
Median age
56
Median income
$63,976
Median home value
$392,234
Avg household
2
Households w/ children
228
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
5 of 6
BROOKHAVEN have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3409 HILL MOOR 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$400,000
1614 HAVEN DRIVE · same community
2 bd · 1 ba · 971 sqft · $412/sqft · 47 DOM
Sold · Oct ’25$330,000
4042 MERMOOR COURT · same community
3 bd · 2 ba · 1,280 sqft · $258/sqft · 31 DOM
Sold · Oct ’25$280,000
3985 MERMOOR DRIVE · same community
3 bd · 2 ba · 1,280 sqft · $219/sqft · 231 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3409 HILL MOOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3409 HILL MOOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3409 HILL MOOR DRIVE FAQs
What would the monthly payment be for 3409 HILL MOOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,132/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3409 HILL MOOR DRIVE?+
The most recent tax bill on record (2025) was $4,256. 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 3409 HILL MOOR DRIVE?+
The listing reports pets: Dogs OK. 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 $255,500, this home is listed about 32% below the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 3409 HILL MOOR DRIVE?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM HARBOR 34685 market on paper
$255,500 is 38% below the PALM HARBOR 34685 median of $409,000, and at $270/sqft it sits under the Palm Harbor average of $272.
02Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $270,000, now $255,500 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW REALTY ELITE PARTNERS · Melissa Conway. MLS #TB8524584.
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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