212 WESTWINDS DRIVE, PALM HARBOR, FL, 34683
Active246 days on marketListed Nov 20, 2025MLS #TB8449728
Come see it
Upcoming open house
Sat, Jul 25
11:00 AM – 1:00 PM
About this home
212 WESTWINDS DRIVE
BACK ON MARKET after FULL HOME REMODEL Spring 2026! Move-in Ready! HIGH & DRY — This elevated waterfront home did NOT flood during the 2024 hurricanes! Welcome home to this 3-bedroom, 2-bath waterfront beauty located in a true boater’s paradise. The deep-water canal behind the home provides direct Gulf access and features a private boat lift. Enjoy the tropical atmosphere, friendly coastal community, and unbeatable location. Step through the beautiful front door into this lovingly maintained, original-owner residence. The open layout features BRAND NEW 2026 LVP flooring and stunning views of the pool and waterfront. The spacious kitchen offers freshly painted wood cabinetry, BRAND NEW 2026 quartz countertops, a new subway tile backsplash, and stainless steel appliances — including a NEW refrigerator and hood (2026). The inviting living room features a fireplace and sliding glass doors leading to the private pool overlooking the canal. Retreat to the primary suite featuring a private entry area, large walk-in closet, direct pool access, brand new carpet, and a newly renovated 2026 ensuite bath — offering endless possibilities to create your dream luxury retreat. The split floor plan includes a second private bedroom with brand new carpet and a newly renovated 2026 full guest bath. There is also a third room with a closet that can function as an office, small bedroom, den, playroom, or — as currently used by the owner — a music room. Enjoy fishing or watching dolphins play right from your backyard. The pool was resurfaced with PebbleTec in 2021. Additional major updates include a new roof (2023), new garage door and opener (2024), new water heater (2025), brand new soffit, fascia, and gutters installed in December 2025, plus a NEW kitchen, bathrooms, flooring, fixtures, and fresh interior paint completed in Spring 2026. Additional features include a two-car garage, oversized driveway, and a concrete pad perfect for a boat trailer or RV. Located in Baywood Village, a welcoming coastal community offering a boating club and water activities for residents, all just minutes from the Pinellas Trail, Tarpon Springs, and beautiful white-sand beaches.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,733
Sqft
0.15 ac
Lot size
2
Garage
1980
Year built
One
Levels
$418
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.
$4,639 /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
$4,639/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
+45%
Days on market
246 vs 42 typical
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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 80% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 212 WESTWINDS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 212 WESTWINDS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
212 WESTWINDS DRIVE FAQs
What would the monthly payment be for 212 WESTWINDS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,639/mo — principal and interest, the actual property-tax bill, the $8/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 212 WESTWINDS DRIVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 212 WESTWINDS DRIVE?+
The most recent tax bill on record (2024) was $3,440. 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 212 WESTWINDS 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 $725,000, this home is listed about 93% 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 212 WESTWINDS DRIVE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — 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
$725,000 runs 80% above the PALM HARBOR 34683 median — but at 1,733 sqft it's also 18% larger than the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
246 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Alison Connors. MLS #TB8449728.
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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