4141 WINDING WILLOW DRIVE, PALM HARBOR, FL, 34683
Active23 days on marketListed Jul 1, 2026MLS #TB8520928
About this home
4141 WINDING WILLOW DRIVE
Rare opportunity to own a stunning 1.65-acre Residential Agricultural estate in unincorporated Palm Harbor in a premier location. Country living in the middle of Palm Harbor...agricultural status allows animal lovers to bring their horses and livestock! Enter through a gated wrought-iron entrance to a fully fenced and beautifully landscaped property designed for both relaxation and entertaining. Outdoor living is exceptional with a sparkling saltwater pool featuring a waterfall and an expansive outdoor grilling station equipped with a premium Lynx grill . The peaceful backyard setting offers privacy and plenty of room to enjoy Florida living at its finest. The grounds feature two storage sheds, a pole barn, fire pit, and a dedicated RV pad complete with water, electricity, and a dump station. Inside, this spacious home showcases a desirable split-bedroom floor plan with 3 bedrooms, 3 full bathrooms, a bonus room, and an enormous game room with volume ceilings. The game room features a custom-built bar with beverage coolers and overlooks the tranquil backyard, making it the perfect gathering space. The luxurious primary suite includes an ensuite bath with double granite vanities, a stone walk-in shower, a jetted spa tub, and a separate sitting room overlooking the pool area. Quality finishes throughout the home include solid wood cabinetry, granite countertops, luxury vinyl plank flooring, and wood flooring. Additional upgrades and features include a full irrigation system supplied by well water, two newer HVAC systems (5-ton and 3-ton units), and a whole-home tankless on-demand water heater. Located in a non-flood zone with no evacuation requirements, this exceptional property offers peace of mind, privacy, and endless possibilities—all in a highly sought-after Palm Harbor location.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,766
Sqft
1.65 ac
Lot size
1
Garage
1979
Year built
One
Levels
$584
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.
$13,449 /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
$13,449/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.
$/sqft vs Palm Harbor actives
$584 vs $259
Days on market
23 vs 42 typical
Where $584/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 437% 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 4141 WINDING WILLOW DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$855,000
2253 HANNAH WAY S
4 bd · 3.5 ba · 3,698 sqft · $231/sqft · 82 DOM
Sold · Apr ’26$900,000
2292 HANNAH WAY S
4 bd · 3.5 ba · 3,586 sqft · $251/sqft · 4 DOM
Sold · May ’26$904,500
2300 HANNAH WAY S
4 bd · 3 ba · 3,496 sqft · $259/sqft · 7 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 4141 WINDING WILLOW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4141 WINDING WILLOW 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
4141 WINDING WILLOW DRIVE FAQs
What would the monthly payment be for 4141 WINDING WILLOW DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,449/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 4141 WINDING WILLOW DRIVE?+
The most recent tax bill on record (2025) was $7,113. 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 4141 WINDING WILLOW 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 $2,200,000, this home is listed about 487% 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 4141 WINDING WILLOW 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
$2,200,000 runs 437% above the PALM HARBOR 34683 median — but at 3,766 sqft it's also nearly 3 times the size of 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.
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 SMITH & ASSOCIATES REAL ESTATE · Cheri Boudreau PA. MLS #TB8520928.
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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