312 WESTWINDS DRIVE, PALM HARBOR, FL, 34683
Active169 days on marketListed Feb 5, 2026MLS #TB8471595
About this home
312 WESTWINDS DRIVE
Effortless Coastal Living on the Waterway. Experience the best of coastal living in this beautifully updated 3-bedroom, 3-bath waterfront home, perfectly positioned with direct Gulf access and no bridge restrictions. Designed for both comfort and style, this home offers bright, open living spaces that invite natural light and peaceful water views. Step inside to discover a stunning island kitchen featuring all-new appliances, wood-look ceramic tile flooring, full hardwood soft-close cabinets with under-cabinet lighting, stone countertops, and custom lighting fixtures. The dining area boasts oversized 3-panel sliders that open to gentle tropical breezes and a covered waterfront patio, ideal for entertaining or simply relaxing. Enjoy evenings at the wet bar, complete with a sink, cabinetry, wine fridge, and accent lighting—perfect for hosting guests. The primary ensuite offers a serene retreat with private patio access, a custom walk-in closet, and a luxurious bath featuring a double vanity, soaking tub, and walk-in shower. The second bedroom includes a Murphy bed for versatile use of space, and there's a full laundry room equipped with cabinets, sink, and shoe shelf organizer. Additional details like plantation shutters throughout add timeless elegance. Outside, embrace true waterfront living with a covered brick paver patio, ceiling fan, grilling area, low-maintenance landscaping, storage shed, and white vinyl fencing with double gates. Your composite boat dock offers a 10,000 lb. lift, electric, and water connections—everything you need for easy days on the water. Just minutes from the Historic Tarpon Springs Sponge Docks, Wall Springs Park, Fred Howard Park Beach, Sunset Beach, Honeymoon and Caladesi Islands, the Pinellas Trail, and the world-famous Innisbrook Golf Club. Optional HOA for $75 annually offers a clubhouse. Must see - So much to offer. All measurements believed to be accurate must be verified by buyer.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,947
Sqft
0.16 ac
Lot size
2
Garage
1965
Year built
One
Levels
$442
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.
$6,128 /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
$6,128/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
+8.5%
$/sqft vs Palm Harbor actives
$442 vs $259
Days on market
169 vs 42 typical
Where $442/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 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)
208 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 110% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 312 WESTWINDS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$550,000
336 WESTWINDS CIRCLE · same community
3 bd · 2 ba · 1,930 sqft · $285/sqft · 253 DOM
Sold · Nov ’25$549,000
304 WESTWINDS DRIVE · same community
4 bd · 3.5 ba · 2,027 sqft · $271/sqft · 106 DOM
Sold · Apr ’26$800,000
405 DRIFTWOOD DRIVE E · same community
3 bd · 3 ba · 2,073 sqft · $386/sqft · 1 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 312 WESTWINDS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 312 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
312 WESTWINDS DRIVE FAQs
What would the monthly payment be for 312 WESTWINDS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,128/mo — principal and interest, the actual property-tax bill, the $6/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 312 WESTWINDS DRIVE?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 312 WESTWINDS DRIVE?+
The most recent tax bill on record (2024) was $11,982. 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 312 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 $860,000, this home is listed about 129% 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 312 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
Five things that matter here
01Positioned at the premium end
$860,000 runs 110% above the PALM HARBOR 34683 median — but at 1,947 sqft it's also 33% 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
169 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.
05The price has already moved
Listed at $899,000, now $860,000 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VIEWPOINT REALTY INTERNATIONAL · Joan Poppleton. MLS #TB8471595.
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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