3430 HILLMOOR DRIVE, PALM HARBOR, FL, 34685
Active3 days on marketListed Oct 9, 2026MLS #TB8556103
About this home
3430 HILLMOOR DRIVE
Virtually staged. Water View! You will not want to miss this updated 2-bed, 2-bath Villa in desirable Brookhaven. This GATED Community in Ridgemoor offers maintenance free living in the heart of Palm Harbor! Updated wood-like tile throughout. Great room features vaulted ceilings, a cozy fireplace, and scenic water views. Beautifully updated kitchen with eat-in counter, stainless steel appliances, granite countertops, decorative backsplash, under cabinet lighting, and dark wood cabinets. Enjoy beautiful water view sunsets every night from the covered patio. Primary bedroom features an ensuite bathroom and walk-in closet. Enjoy the convenience of an inside washer and dryer and updated bathrooms. A/C installed in 2023. Pet friendly community & super location close to John Chestnut Park with a variety of wildlife and Lake Tarpon for boating & dog park, N Pinellas Trail and YMCA, shopping, restaurants, and golf courses nearby. Short drive to the beach, Tampa International Airport & PIE Airport. Easy commute to Tampa and St. Pete. Flood insurance not required.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
946
Sqft
0.07 ac
Lot size
1985
Year built
One
Levels
$275
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.
$2,556 /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
$2,556/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
+8.7%
$/sqft vs BROOKHAVEN
$275 vs $213
Days on market
3 vs 69 typical
Where $275/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)
6 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 36% 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 3430 HILLMOOR 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3430 HILLMOOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3430 HILLMOOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3430 HILLMOOR DRIVE FAQs
What would the monthly payment be for 3430 HILLMOOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,556/mo — principal and interest, the actual property-tax bill, the $347/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 3430 HILLMOOR DRIVE?+
The association fee works out to $347 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3430 HILLMOOR DRIVE?+
The most recent tax bill on record (2025) was $4,835. 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 3430 HILLMOOR 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 $260,000, this home is listed about 31% 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 3430 HILLMOOR 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
Four things that matter here
01Under the PALM HARBOR 34685 market on paper
$260,000 is 36% below the PALM HARBOR 34685 median of $409,000.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 3 days on market in a Palm Harbor market that averages 69 — if it fits, move quickly.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of ON TOP OF THE WORLD RE · Jason Johantgen. MLS #TB8556103.
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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