334 CROSSWINDS DRIVE, PALM HARBOR, FL, 34683
Active92 days on marketListed Apr 24, 2026MLS #TB8497379
About this home
334 CROSSWINDS DRIVE
Discover space, flexibility, and value in this move-in ready Palm Harbor home with no HOA. Offering three bedrooms, two baths, a two-car garage, and 1,656 heated square feet, this two-story property features a versatile layout, generous outdoor living spaces, and room to make it your own. Freshly painted throughout with new carpet in the bedrooms, the home is ready for its next owner. Enter into and ascend to the upper level with your main living space. Descending, a bonus room creates an inviting gathering space and opens directly to the covered patio and backyard. This homes living space provides endless possibilities for today's lifestyle, whether you need a home office, fitness room, playroom, media space, or additional living area. The open-concept living and kitchen area is designed for everyday comfort and casual entertaining. The kitchen features granite countertops, a breakfast bar, and ample workspace, all flowing seamlessly into the main living area. All three bedrooms are located on the second level, including the primary suite with a private en-suite bath. Outdoor living is a standout feature of this property. Enjoy morning coffee or evening sunsets from the expansive second-story balcony, or relax beneath the covered patio overlooking the spacious backyard. The fully fenced yard, complete with a new fence, offers privacy, room to play, and plenty of space to create your ideal outdoor retreat. Located in the heart of Palm Harbor, this home offers easy access to some of the area's most loved destinations. Downtown Palm Harbor is less than six miles away, while charming downtown Dunedin and the beaches of Honeymoon Island are just a short drive. Enjoy nearby parks, including Wall Springs Park, along with local restaurants, shopping, and the coastal lifestyle that makes Palm Harbor one of Tampa Bay's most desirable communities. With a flexible floor plan, fresh updates, abundant outdoor space, and a prime Palm Harbor location, this home presents an exceptional opportunity to make it your own.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,656
Sqft
0.17 ac
Lot size
2
Garage
1984
Year built
Two
Levels
$240
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 — not generic estimates.
$3,071 /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
$3,071/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
−7.6%
$/sqft vs Palm Harbor actives
$240 vs $259
Days on market
92 vs 42 typical
Where $240/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)
209 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 334 CROSSWINDS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$450,000
504 DRIFTWOOD DRIVE E · same community
3 bd · 2 ba · 1,637 sqft · $275/sqft · 0 DOM
Sold · Dec ’25$250,000
212 DRIFTWOOD PLACE · same community
3 bd · 2 ba · 1,708 sqft · $146/sqft · 201 DOM
Sold · Jun ’26$450,000
209 WESTWINDS DRIVE · same community
3 bd · 2 ba · 1,787 sqft · $252/sqft · 19 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 334 CROSSWINDS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 334 CROSSWINDS 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
334 CROSSWINDS DRIVE FAQs
What would the monthly payment be for 334 CROSSWINDS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,071/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 334 CROSSWINDS DRIVE?+
The most recent tax bill on record (2025) was $4,708. 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 334 CROSSWINDS 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 $398,000, this home is listed about 6% 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 334 CROSSWINDS 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
Three things that matter here
01Time on market is leverage
92 days on market against a Palm Harbor median of 42 — sellers in this position are usually ready to negotiate.
02Strong 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.
03The price has already moved
Listed at $425,000, now $398,000 — a $27K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INTL REALTY · Alee Douglass. MLS #TB8497379.
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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