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2029 WINDING OAKS DRIVE, Palm Harbor, FL, 34683 | $525,000
RARE POOL HOME OPPORTUNITY in Palm Harbor! Welcome to 2029 Winding Oaks Dr – a spacious 3-bedroom, 2-bath, 2-car garage gem tucked away on an oversized . 29-acre lot in one of Palm Harbor’s most sought-after, tree-lined neighborhoods, SPANISH OAKS. Currently zoned for TOP-RATED schools – LSG Elementary, Palm Harbor Middle, and the renowned Palm Harbor University High School – this home offers the perfect mix of location, lifestyle, and potential. With a split floorplan offering ideal privacy for, this 1, 860 sq ft home is filled with natural light thanks to multiple sliders that frame views of lush greenery, space and your private pool oasis. The layout is perfect for both entertaining and everyday living, with spacious rooms and great flow. Peace of mind comes easy here – the roof was replaced in 2021, AC in 2020, water heater in 2023, and the exterior was freshly painted in 2025. Even better, the home comes with an updated 4-point inspection, so you can move forward with confidence for insurabilility. Priced so the next owner can bring their personal style, updates and BUILD INSTANT EQUITY, this is a rare find at this price point in this neighborhood! You’ll love living minutes from the vibrant charm of Downtown Palm Harbor, the quaint shops and breweries of Downtown Dunedin, and the white sands of Honeymoon Island. Homes like this don’t last long – especially with this lot size, location, schools, and a pool! Act fast and make this house your home!
Features
- Rooms: 6
- Bedrooms: 3
- Baths: 2 full
- Lot Size: 95 x 135
- Laundry: In Garage
- Year Built: 1978
- Garage: 2-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,860
- Acreage: 0.3
- Lot Size: 95 x 135
- Est. Taxes: $2,032
- HOA Fee: $180 Annually
- Elem. School: Lake St George Elementary-PN
- Middle School: Palm Harbor Middle-PN
- High School: Palm Harbor Univ High-PN
- Pool: In Ground, Screen Enclosure
- Pet Policy: Yes
- Appliances: Dishwasher, Dryer, Range, Refrigerator, Washer
- MLS#: TB8369232
- Days on Market: 9 days
- Website: https://www.raveis.com
/prop/TB8369232/2029windingoaksdrive_palmharbor_fl?source=qrflyer
Listing courtesy of Keller Williams Realty- Palm H Phone: 727-772-0772
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
2029 WINDING OAKS DRIVE, Palm Harbor, FL, 34683
$525,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $420,000 | $420,000 | $420,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.007% | 7.037% | 6.152% |
| Monthly Tax Payment | $169 | $169 | $169 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,620 | $2,759 | $3,516 |
| Total Monthly Payment | $2,881 | $3,020 | $3,777 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388