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1011 Winding Oaks Dr, Palm Harbor, FL, 34683

$310/sqft·Spanish Oaks

3 bd2 ba1,609 sqft2 car garageSingle Family
Listed by DUNEDIN LIFE REALTY· Last updated · MLS# TB8525903

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$3,027/mo
Down payment (20%)
$99,800
Property taxes
$161/mo
HOA
$175/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1974
Private pool
Deck
2 car garage
Garage Door Opener
9,326 sqft lot
Lot size
1,609 sqft
Living area

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenLiving Room/Dining Room ComboPrimary Bedroom Main FloorStone CountersThermostatPrivate Yard

1011 Winding Oaks Dr is a 1974-built home in Spanish Oaks, Palm Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,609 square feet of living space. Listed at $499,000 (about $310/sqft), 55 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $175 annually.

From the listing

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!

The essentials

Built
1974
Price / sqft
$310
On market
61 days
Annual tax
$1,929
HOA
$175/yr
Flood zone
X · Low risk
Lot
9,326 sqft
Type
Single Family Residence

Location

1011 Winding Oaks Dr
Palm Harbor, FL, 34683·34683 - Palm Harbor
Type
Single Family Residence
Year Built
1974
Lot
9,326 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Ground Level
Pool
Deck, Gunite, In Ground, Lighting
Days on Market
61
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Stone Counters
Thermostat
Private Yard
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Tankless Water Heater
Washer
Water Softener

Elementary

Palm Harbor Elementary-PN

Middle

Palm Harbor Middle-PN

High

Palm Harbor Univ High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$1,929

Parcel #

13-28-15-84573-004-0060

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Spanish Oaks

County

Pinellas

MLS Area

34683 - Palm Harbor

Lot Size

9,326 sqft

In CountyLandscapedLevelPaved
HOA
$175/yr
Spanish Oaks HOA
Date
Event
Price
8/6/2026
Price change
Source: Stellar MLS #TB8525903
$499,000-2.2%
$310/sqft
7/12/2026
Listed for sale
Source: Stellar MLS #TB8525903
$510,000+104.8%
$317/sqft
9/1/2006
Sold
Source: Pinellas County Public Record
$249,000
$155/sqft
Est. monthly payment$3,027/mo
Principal & interest$2,602
Property taxes$161
Insurance$250
HOA$15
Down payment20% · $99,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $499,000
$492,500 – $499,000
98.7% – 100% of listTops out right at the list price
80% of listList price
63 of the last 124 home closings in 34683 landed at this number or higher (51%). The median one sat 26 days before it went under contract, and this one is on day 61 after a $11,000 cut.

Sample: 124 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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