3399 MERMOOR DRIVE UNIT 210, PALM HARBOR, FL, 34685
Active6 days on marketListed Oct 12, 2026MLS #TB8557272
About this home
3399 MERMOOR DRIVE UNIT 210
Virtually staged. Welcome to 3399 Mermoor Drive #210 in the beautiful Ridgemoor community in the desirable East Lake area of Palm Harbor! Nestled in a peaceful, park-like setting, this well-maintained condo offers 2 bedrooms, 1 bathroom, and a spacious, private screened-in balcony overlooking the beautifully landscaped courtyard—perfect for enjoying your morning coffee or relaxing in the evening. The kitchen overlooks the living area, creating an open, comfortable feel. The stackable washer and dryer were replaced in 2025, and the water heater was replaced in 2024. A storage unit is conveniently located next to the covered parking space. This pet-friendly community allows one pet under 25 lbs. Amenities include a heated, screened-in pool with covered seating and restrooms, a gated entrance, and a car wash station. The Ridgemoor master association also offers tennis and basketball courts, a playground, and scenic walking and biking trails. Monthly condo fees include water, sewer, trash, basic cable TV, pool maintenance, building insurance, grounds maintenance, reserves, gated security, and recreational facilities. The roof was replaced in 2021 for added peace of mind. Enjoy a convenient location just minutes from the YMCA, Lansbrook Golf Club, and John Chestnut Park on Lake Tarpon, as well as top-rated schools, shopping, and dining. This condo offers a wonderful combination of comfort, convenience, and an active lifestyle. Schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
850
Sqft
1985
Year built
One
Levels
$165
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.
$1,835 /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
$1,835/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
+9.9%
$/sqft vs Palm Harbor actives
$165 vs $265
Days on market
6 vs 68 typical
Where $165/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 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)
233 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 66% 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 3399 MERMOOR DRIVE UNIT 210
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$134,000
3399 MERMOOR DRIVE UNIT 105 · same community
2 bd · 2 ba · 1,030 sqft · $130/sqft · 34 DOM
Sold · Mar ’26$187,000
3350 MERMOOR DRIVE UNIT 1201 · same community
2 bd · 2 ba · 1,045 sqft · $179/sqft · 96 DOM
Sold · Dec ’25$175,000
3382 MERMOOR DRIVE UNIT 3201 · same community
2 bd · 2 ba · 1,155 sqft · $152/sqft · 166 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3399 MERMOOR DRIVE UNIT 210 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3399 MERMOOR DRIVE UNIT 210 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3399 MERMOOR DRIVE UNIT 210 FAQs
What would the monthly payment be for 3399 MERMOOR DRIVE UNIT 210?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,835/mo — principal and interest, the actual property-tax bill, the $538/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 3399 MERMOOR DRIVE UNIT 210?+
The association fee works out to $538 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3399 MERMOOR DRIVE UNIT 210?+
The most recent tax bill on record (2025) was $3,019. 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 3399 MERMOOR DRIVE UNIT 210?+
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 $139,900, this home is listed about 64% below the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3399 MERMOOR DRIVE UNIT 210?+
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
$139,900 is 66% below the PALM HARBOR 34685 median of $410,000, and at $165/sqft it sits under the Palm Harbor average of $272.
02Know the monthly fee
The association fee is $538/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 6 days on market in a Palm Harbor market that averages 68 — 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 #TB8557272.
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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