1344 RIBOLLA DRIVE, PALM HARBOR, FL, 34683
Active19 days on marketListed Sep 23, 2026MLS #TB8550220
About this home
1344 RIBOLLA DRIVE
GATED Elegance: Your COASTAL TOWNHOME Awaits! NO FLOOD INSURANCE REQUIRED. Located in the Villas of San Marino, a gated community known for its MEDITERRANEAN CHARM—with brick paver driveways and tile roofs. In the heart of historic downtown PALM HARBOR and the sought-after Palm Harbor University High School district, this is one of the most coveted areas in Pinellas County. Just steps from your resort-style COMMUNITY POOL and the scenic Pinellas Trail, and within walking distance of popular restaurants, live music, local breweries, and year-round community events, you'll enjoy the very best of Florida living. Step inside to find an open-concept floor plan with HIGH CEILINGS. Custom features include CROWN MOLDING, high baseboards, and elegant 8-FOOT DOORS THROUGHOUT. The spacious kitchen is designed for functionality and style, complete with generous granite countertop space, plentiful 42" solid wood cabinetry, a spacious center island, stainless steel appliances, a spacious walk-in pantry, and bar seating perfect for entertaining! The main level also includes a half bath perfect for guests and daily use. French doors open to an oversized PRIVATE screened lanai, seamlessly blending indoor and outdoor living to enjoy year-round. Whether you enjoy morning coffee, evening relaxation, grilling, or entertaining, this adds valuable Florida lifestyle space. Plus there are no rear neighbors. An inviting wood/wrought iron staircase leads you to the second floor. The EXPANSIVE PRIMARY SUITE boasts double-door entry, large walk-in closet, a versatile sitting area great for a home office, plus french doors to a private faux balcony. You’ll enjoy a large en suite with dual sinks, walk-in shower and garden tub, and a large walk-in closet. The laundry room w/hook-ups is also conveniently located on the 2nd floor. The second and 3rd bedrooms feature a large shared bathroom. There is also a PLACE FOR ELEVATOR IF ONE SO DESIRES. HVAC NEW 2022. This townhome includes a 2 car garage with 2 additional parking spaces. The community offers 32 guest parking spaces for added convenience. The association is financially sound with strong reserves and proactive planning. Residents enjoy a truly maintenance-free lifestyle with a reasonable HOA fee that INCLUDES the tile roof, exterior painting, cable, internet, lawn maintenance, hedge trimming, basic TV-internet, and trash service. What you'll find here is an unparalleled way of carefree Florida living in a beautiful and friendly environment. Just steps away visit you HEATED COMMUNITY POOL for year-round enjoyment. The Pinellas Trail sits just outside the gates, along with Sunderman Sports Complex, with walkable favorites like Thirsty Marlin and The Salty Lime nearby. Zoned for highly rated Palm Harbor University High School, Palm Harbor Middle School, and Ozona Elementary School, this location is ideal for families. Outdoor enthusiasts will appreciate being just a five-minute bike ride to Pop Stansell Park with its kayak launch, fishing pier, playground, and waterfront amenities, while a state of the art YMCA, Wall Springs Park, charming downtown Dunedin, historic Tarpon Springs, and award-winning Gulf beaches like Honeymoon and Caladesi Islands, are all just minutes away. Best of all, this home is located high and dry with NO FLOOD INSURANCE required. Offering an exceptional blend of luxury, location, and low-maintenance living, this is a rare opportunity you won't want to miss. Call today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,464
Sqft
0.06 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$219
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.
$4,803 /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
$4,803/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
+6.1%
$/sqft vs Palm Harbor actives
$219 vs $260
Days on market
19 vs 69 typical
Where $219/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.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
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)
239 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 1344 RIBOLLA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$500,000
1411 TESSANO PLACE · same community
3 bd · 2.5 ba · 2,538 sqft · $197/sqft · 12 DOM
Sold · Jun ’26$529,500
1342 RIBOLLA DRIVE · same community
3 bd · 3 ba · 2,342 sqft · $226/sqft · 24 DOM
Sold · Oct ’25$540,000
937 MOSCATO PLACE · same community
3 bd · 2.5 ba · 2,174 sqft · $248/sqft · 7 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 1344 RIBOLLA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1344 RIBOLLA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1344 RIBOLLA DRIVE FAQs
What would the monthly payment be for 1344 RIBOLLA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,803/mo — principal and interest, the actual property-tax bill, the $540/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 1344 RIBOLLA DRIVE?+
The association fee works out to $540 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1344 RIBOLLA DRIVE?+
The most recent tax bill on record (2025) was $8,298. 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 1344 RIBOLLA DRIVE?+
The listing reports pets: 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 $539,000, this home is listed about 43% above the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 1344 RIBOLLA DRIVE?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$539,000 runs 41% above the PALM HARBOR 34683 median — but at 2,464 sqft it's also 68% larger than the typical Palm Harbor listing.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $540/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTEC GROUP INC · Bradley Uline. MLS #TB8550220.
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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