344 CROSSWINDS DRIVE, PALM HARBOR, FL, 34683
Active57 days on marketListed May 28, 2026MLS #TB8507768
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Sat, Jul 25
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About this home
344 CROSSWINDS DRIVE
Virtually Staged. If you’ve been searching for that true Palm Harbor waterfront lifestyle with Gulf access, this is the one that feels like home the second you pull in. Welcome to Baywood Village — a laid-back waterfront community where golf carts, boats, sunsets, and weekends on the water are just part of everyday life. Tucked away on a saltwater canal with Gulf access, this 3-bedroom, 2-bathroom home has been beautifully updated while still keeping that relaxed coastal feel everyone is looking for in Palm Harbor. Whether it’s mornings on the dock with coffee or evenings around the fire pit after a day on the boat, this property was made for enjoying the Florida lifestyle. Inside, the heart of the home is the renovated kitchen, stainless steel appliances, modern finishes, and an open layout that flows comfortably into the main living spaces. Additional upgrades throughout the home include a whole-house water softener, brand-new thermostat, and updated electrical outlets. The flexible bonus space gives you plenty of options for a home office, second living area, or entertaining space overlooking the water. Out back, the enclosed patio opens to your private backyard oasis shaded by mature mango and olive trees, creating the perfect setting to unwind after a day on the Gulf. The primary suite offers a peaceful retreat with an updated en-suite bathroom featuring a walk in shower while the guest bathroom has also been tastefully updated with dual sinks, jacuzzi tub, and contemporary finishes. The HOA is optional, giving homeowners added flexibility while still offering access to a wonderful waterfront community. Complete with a 2-car garage, private dock, and direct Gulf access, this move-in ready waterfront home gives you the opportunity to enjoy everything people love about living in Baywood Village and the Palm Harbor boating lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,769
Sqft
0.3 ac
Lot size
2
Garage
1975
Year built
One
Levels
$325
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.
$3,930 /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
$3,930/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
+30.3%
$/sqft vs Palm Harbor actives
$325 vs $259
Days on market
57 vs 42 typical
Where $325/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 43% 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 344 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 · Oct ’25$579,000
415 CROSSWINDS DRIVE · same community
2 bd · 2 ba · 1,216 sqft · $476/sqft · 1 DOM
Sold · Apr ’26$325,000
420 CROSSWINDS DRIVE · same community
3 bd · 2 ba · 1,140 sqft · $285/sqft · 10 DOM
Sold · Jun ’26$975,000
335 CROSSWINDS DRIVE · same community
3 bd · 2 ba · 2,853 sqft · $342/sqft · 106 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 344 CROSSWINDS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 344 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
344 CROSSWINDS DRIVE FAQs
What would the monthly payment be for 344 CROSSWINDS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,930/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 344 CROSSWINDS 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 344 CROSSWINDS DRIVE?+
The most recent tax bill on record (2025) was $5,353. 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 344 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 $574,900, this home is listed about 53% 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 344 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
01Positioned at the premium end
$574,900 runs 43% above the PALM HARBOR 34683 median — but at 1,769 sqft it's also 21% 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.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Jakea Cates. MLS #TB8507768.
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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