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Planned Unit Development (Pud)Residential
$359,819$212 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $385,000 on Feb 18, 2022

428 HARBOR RIDGE DR

PALM HARBOR, FL 34683
0
Baths
1,700 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2011
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$360K
$340K low$380K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · Feb 18, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$13,319
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$10,655
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.98%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$346,500
MOVEMENT MORTGAGE · recorded Feb 18, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,699 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$239,234 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$232,492
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$340,952

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.70 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.98%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Planned Unit Development (Pud)
CountyPinellas
ConstructionThe main material the home's frame and walls are built from.Wood Frame
HeatingThe type of heating system in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
ViewThe type of view from the property, or another feature of the site that affects value.Average
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 100 ft²Patio · 100 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Sutherland ElementaryA+
Elementary · Grades PK–5 · 1.9 mi
H
Tarpon Springs High SchoolB-
High · Grades 9–12 · 2.0 mi
M
Tarpon Springs Middle SchoolB-
Middle · Grades 6–8 · 2.5 mi

District: Pinellas County School District

Neighborhood · ZIP 34683These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.69
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.33,726
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,585 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,752
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$103,401
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

428 Harbor Ridge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 77% of homes in Palm Harbor 34683
  • Costs less per square foot than 90% of homes in Cove Springs
  • Bigger than 74% of homes in Cove Springs
  • Newer than 96% of homes in Palm Harbor 34683

What homes are worth in Palm Harbor 34683

Each bar is how many homes fall in that price range. The marker is this home.

This home
$153K$1.6M

This home is worth more than 23% of homes in Palm Harbor 34683.

How it measures up in Palm Harbor 34683

The dot is this home. The mark in the middle is the typical home in Palm Harbor 34683.

Estimated value$359,819
CheaperTypical $495,515Pricier

Pricier than 23% of homes nearby

Price per ft²$212
CheaperTypical $278Pricier

Pricier than 13% of homes nearby

Living area1,700 ft²
SmallerTypical 1,696 ft²Bigger

Bigger than 51% of homes nearby

Year built2011
OlderTypical 1985Newer

Newer than 96% of homes nearby

How 428 Harbor Ridge Dr ranks against every home in each area.
MeasureThis homeCove SpringsPalm Harbor 34683Pinellas County
Estimated valuepricier than$359,81928% of homes23% of homes47% of homes
Price per ft²pricier than$21210% of homes13% of homes22% of homes
Living areabigger than1,700 ft²74% of homes51% of homes72% of homes
Year builtnewer than201177% of homes96% of homes96% of homes

About 428 Harbor Ridge Dr

How much is 428 Harbor Ridge Dr, Palm Harbor, FL worth?

The TopHap Estimate for 428 Harbor Ridge Dr, Palm Harbor, FL is $359,819 as of Jul 14, 2026. The likely range is $339,662 to $379,976. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 428 Harbor Ridge Dr, Palm Harbor, FL last sell?

428 Harbor Ridge Dr, Palm Harbor, FL last sold on Feb 18, 2022 for $385,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

When was 428 Harbor Ridge Dr, Palm Harbor, FL built?

428 Harbor Ridge Dr, Palm Harbor, FL was built in 2011, making it 15 years old. The building has 2 stories.

What schools serve 428 Harbor Ridge Dr, Palm Harbor, FL?

428 Harbor Ridge Dr, Palm Harbor, FL is assigned to Sutherland Elementary (elementary), rated A+; Tarpon Springs High School (high), rated B-; Tarpon Springs Middle School (middle), rated B-. All sit in Pinellas County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 428 Harbor Ridge Dr, Palm Harbor, FL compare to other homes in Palm Harbor 34683?

Among the 13,755 homes in Palm Harbor 34683, it is worth more than 23% of them ($359,819 against a typical $495,515), its price per square foot is higher than 13% of them ($212 against a typical $278), it is bigger than 51% of them (1,700 ft² against a typical 1,696 ft²) and it is newer than 96% of them (2011 against a typical 1985). Measured against all of Pinellas County, it is worth more than 47% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 428 Harbor Ridge Dr, Palm Harbor, FL?

The 2025 property tax bill for 428 Harbor Ridge Dr, Palm Harbor, FL was $3,699. The county assessed it at $239,234.

Closest homes

More homes in Palm Harbor 34683

Assigned schools

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