1011 WINDING OAKS DRIVE, PALM HARBOR, FL, 34683
Active13 days on marketListed Jul 12, 2026MLS #TB8525903
Come see it
Upcoming open house
Sat, Jul 25
11:00 AM – 2:00 PM
About this home
1011 WINDING OAKS DRIVE
This pool home is located in the sought after Spanish Oaks neighborhood of Palm Harbor. Featuring 3 bedrooms and 2 bathrooms in a 1609 square foot split floor plan. The kitchen features plenty of storage with a separate pantry annd offers stainless appliances, granite countertops and plenty of cabinets and an additional area that can be used as a family room with the cozy wood burning fireplace. Spacious living room dining room area will accommodate all of your social gatherings. Primary bedroom features an en-suite bath and walkin closet. The split plan features two bedrooms and a hall bath on the other side. The two car garage features an epoxy coated floor and the garage door was replaced in May 2026 as was the garage side entry door. Patio door in the dining room is new and most of the remaining windows and doors in the home are double pane for energy efficiency (patio door in family room is the exception). Roof was done in 2024. Electric tankless hot water heater provides endless hot water and energy efficiency (2023). The backyard offers access to a palm and Oak oasis with your own private pool and features a lovely pavered apron and patio area for great entertaining space and enjoyment. A vinyl fence in the back yard provides for privacy and low maintence. We look forward to showing you this home, make your appointment today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,609
Sqft
0.21 ac
Lot size
2
Garage
1974
Year built
One
Levels
$317
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.
$3,564 /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
$3,564/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
−1.1%
$/sqft vs Palm Harbor actives
$317 vs $260
Days on market
13 vs 42 typical
Where $317/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)
213 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 28% 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 1011 WINDING OAKS 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$530,000
940 WOODLAND DRIVE · same community
3 bd · 2 ba · 1,660 sqft · $319/sqft · 129 DOM
Sold · Jun ’26$540,000
1959 SPANISH OAKS DRIVE S · same community
3 bd · 2 ba · 1,721 sqft · $314/sqft · 0 DOM
Sold · Sep ’25$525,000
908 HIGHVIEW DRIVE · same community
3 bd · 2 ba · 1,471 sqft · $357/sqft · 17 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 1011 WINDING OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1011 WINDING OAKS 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
1011 WINDING OAKS DRIVE FAQs
What would the monthly payment be for 1011 WINDING OAKS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,564/mo — principal and interest, the actual property-tax bill, the $15/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 1011 WINDING OAKS DRIVE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1011 WINDING OAKS DRIVE?+
The most recent tax bill on record (2025) was $1,929. 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 1011 WINDING OAKS 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 $510,000, this home is listed about 36% 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 1011 WINDING OAKS 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
$510,000 runs 28% above the PALM HARBOR 34683 median.
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 DUNEDIN LIFE REALTY · David Vose. MLS #TB8525903.
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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