5441 WORTHINGTON LOOP, PALM HARBOR, FL, 34685
Active6 days on marketListed Jul 16, 2026MLS #TB8528385
About this home
5441 WORTHINGTON LOOP
Move-In Ready! Coastal Elegant Comfort. Highly sought after Private Gated Community zoned for East Lake High and other 'A' rated schools. Centrally located with access to John Chestnut park, Lake Tarpon, and the Pinellas Trail for water sports, hiking, biking, and other outdoor activities. Nearby shopping, dining, golfing, and schools. Ridgemoor association has a central community park with basketball/tennis courts, playground, numerous walking paths, and deer. Your new home has been meticulously renovated and designed with a flow that is accommodating for family gatherings and entertaining. Your kitchen is host to soft-close cabinetry with pull-out pan drawers, striking quartz counters, and stainless steel appliances. Truly a relaxed gathering place as it provides ample space for eating at the counter as well as full dining area that opens to the lanai and pool for your Florida indoor-outdoor living. The spacious Family room has vaulted ceilings, high windows providing abounding sunlight, and a fireplace for basking in its warm cozy glow during cooler weather with capacity for all. Your separate Dining room invites all to gather and connect for family meals, holiday dinners, and special occasions. This area easily converted to a second family room, game room, library, activity room, multi-functional area, or whatever your family desires. The split floor plan provides privacy for your Primary Suite while your family and guests may enjoy their own private time in the three extra bedrooms and full bath. The second full bath provides access to the pool. Use as bedrooms, dedicated office, den, or work out room. Pocket door separates the family room. Your private Primary suite affords serenity and calm with a fully redesigned En-suite bathroom and electric fireplace exuding warmth, tranquility, and ambiance. With private access from your suite to the lanai and pool, you have your own Oasis! Your new home feels like a new build. With sliders at all access points from the inside living area to the lanai, your home becomes amazing Florida indoor-outdoor living! *AC 2021/ Hot water heater 2024 /Pool Resurfaced 2022 /French drain 2023*
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,194
Sqft
0.22 ac
Lot size
2
Garage
1989
Year built
One
Levels
$292
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.
$3,912 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,912/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−1.6%
$/sqft vs Palm Harbor actives
$292 vs $260
Days on market
6 vs 42 typical
Where $292/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
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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
209 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 56% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 5441 WORTHINGTON LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$610,000
5433 WORTHINGTON LOOP · same community
4 bd · 2 ba · 2,194 sqft · $278/sqft · 21 DOM
Sold · Nov ’25$575,000
728 NW Waterlily Place, Jensen Beach FL 34957 · same community
4 bd · 2.5 ba · 2,284 sqft · $252/sqft · 90 DOM
Sold · Nov ’25$575,000
4405 WORTHINGTON CIRCLE · same community
4 bd · 3 ba · 2,308 sqft · $249/sqft · 13 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5441 WORTHINGTON LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5441 WORTHINGTON LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
5441 WORTHINGTON LOOP FAQs
What would the monthly payment be for 5441 WORTHINGTON LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,912/mo — principal and interest, the actual property-tax bill, the $48/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 5441 WORTHINGTON LOOP?+
The association fee works out to $48 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5441 WORTHINGTON LOOP?+
The most recent tax bill on record (2025) was $134. 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 5441 WORTHINGTON LOOP?+
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 $639,990, this home is listed about 71% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5441 WORTHINGTON LOOP?+
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
01Positioned at the premium end
$639,990 runs 56% above the PALM HARBOR 34685 median — but at 2,194 sqft it's also 50% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Palm Harbor market that averages 42 — 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 COLDWELL BANKER REALTY · Yvette La Pointe. MLS #TB8528385.
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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