3040 WINDRIDGE OAKS DRIVE, PALM HARBOR, FL, 34684
Active17 days on marketListed Jul 16, 2026MLS #TB8528725
About this home
3040 WINDRIDGE OAKS DRIVE
Professionally renovated under the direction of an interior designer, this exceptional pool home in the coveted Groves at Cobb's Landing seamlessly blends timeless design with the comfort and confidence today's buyers are searching for. Perfectly situated on a beautifully landscaped corner lot beneath mature oak trees, this beautifully appointed residence offers 5 bedrooms, or 4 bedrooms plus a dedicated office, with a versatile floor plan designed for both everyday living and effortless entertaining. Every major living space was thoughtfully designed to balance open concept gathering with the privacy and functionality today's families need. Wide plank flooring, soaring ceilings, designer lighting, and thoughtfully curated finishes create an atmosphere that feels warm, sophisticated, and inviting.At the heart of the home, the beautifully renovated kitchen features quartz countertops, abundant cabinetry, stainless steel appliances, and a spacious island that opens seamlessly to the main living areas, making it ideal for gathering with family and friends. Step outside to your own private backyard retreat where the screened lanai and sparkling pool invite year round Florida living. A convenient pool bath adds everyday functionality and ease. Beyond its stunning design, this home offers the peace of mind that comes with major system updates, including a brand new architectural shingle roof (2026), a Carrier HVAC system (2015), and a 2026 water heater, allowing the next owner to focus on enjoying the home rather than replacing major components. Located within the highly desirable Groves at Cobb's Landing, residents enjoy a low annual HOA, top rated schools, and convenient access to Gulf beaches, marinas, golf courses, parks, shopping, and dining. This is the rare opportunity to own a thoughtfully designed home where exceptional craftsmanship, meaningful updates, and an unbeatable Palm Harbor location come together beautifully. Welcome home.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,492
Sqft
0.2 ac
Lot size
2
Garage
1991
Year built
One
Levels
$301
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.
$4,854 /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
$4,854/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
+8.9%
$/sqft vs Palm Harbor actives
$301 vs $261
Days on market
17 vs 42 typical
Where $301/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 Cobb's Landing
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Cobb's Landing — neighborhood snapshot
Population
2,151
Median age
49
Median income
$120,639
Median home value
$547,537
Avg household
3
Households w/ children
220
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)
204 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 200% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3040 WINDRIDGE 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 · Apr ’26$510,000
3040 WINDRIDGE OAKS DRIVE · same community
4 bd · 3 ba · 2,492 sqft · $205/sqft · 37 DOM
Sold · Apr ’26$525,250
3097 ROBINWOOD LANE · same community
3 bd · 2 ba · 2,351 sqft · $223/sqft · 17 DOM
Sold · May ’26$679,900
2936 SPRING OAK COURT · same community
4 bd · 2 ba · 2,261 sqft · $301/sqft · 4 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 3040 WINDRIDGE OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3040 WINDRIDGE 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
3040 WINDRIDGE OAKS DRIVE FAQs
What would the monthly payment be for 3040 WINDRIDGE OAKS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,854/mo — principal and interest, the actual property-tax bill, the $56/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 3040 WINDRIDGE OAKS DRIVE?+
The association fee works out to $56 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3040 WINDRIDGE OAKS DRIVE?+
The most recent tax bill on record (2025) was $3,722. 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 3040 WINDRIDGE 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 $750,000, this home is listed about 100% 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 3040 WINDRIDGE OAKS DRIVE?+
Joseph L. Carwise Middle School (middle), Highland Lakes Elementary School (elementary), 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
$750,000 runs 200% above the PALM HARBOR 34684 median — but at 2,492 sqft it's also 70% larger than 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
Joseph L. Carwise Middle School, Highland Lakes Elementary School, Palm Harbor University High — Joseph L. Carwise Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Katrina Moseley. MLS #TB8528725.
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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