3612 WINDBER BOULEVARD, PALM HARBOR, FL, 34685
Active18 days on marketListed Sep 24, 2026MLS #TB8546926
About this home
3612 WINDBER BOULEVARD
Welcome to an exceptional Palm Harbor retreat where timeless ranch-style architecture meets elevated Florida outdoor living. Set within a desirable gated community and surrounded by mature natural beauty, this expansive single-story residence offers a distinctive combination of privacy, space and effortless indoor-outdoor living. The thoughtfully designed ranch footprint provides a comfortable flow for everyday living and entertaining, with generous living spaces and an inviting connection to the spectacular outdoor environment. Views toward the conservation setting and pond create a peaceful backdrop rarely found in such a convenient location. The true showpiece is the expansive outdoor living area. A beautifully appointed summer kitchen, substantial paver terrace with decorative inlay, and impressive tongue-and-groove wood ceiling create an elegant yet relaxed setting for everything from casual family gatherings to sophisticated entertaining. The screened outdoor living space opens beautifully to the pool and spa, allowing the Florida lifestyle to take center stage while maintaining privacy and a strong connection to nature. With its lush surroundings, generous lot, mature landscaping and resort-inspired outdoor spaces, this home delivers an atmosphere that feels both private and welcoming. Inside, the spacious single-level design offers the versatility today's buyers seek, while the property's established character and thoughtful improvements provide a distinctive alternative to newer construction. Public property records and prior listing data describe the residence as approximately 3,736 square feet with four bedrooms, four baths, and a large 0.42-acre homesite. Located in the sought-after East Lake/Palm Harbor area, the property offers convenient access to parks, recreation, shopping, dining, major roadways and the Gulf Coast lifestyle. Nearby schools listed in current property data include Cypress Woods Elementary, Joseph L. Carwise Middle and East Lake High School; buyers should verify current school assignments with Pinellas County Schools. A rare opportunity to own a spacious Palm Harbor ranch home where privacy, natural surroundings and extraordinary outdoor living come together in one remarkable setting
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,735
Sqft
0.36 ac
Lot size
3
Garage
1987
Year built
One
Levels
$254
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.
$6,337 /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
$6,337/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
+21.3%
$/sqft vs Palm Harbor actives
$254 vs $263
Days on market
18 vs 69 typical
Where $254/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 Westmonte Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Westmonte Estates — neighborhood snapshot
Population
1,457
Median age
56
Median income
$62,344
Median home value
$388,100
Avg household
2
Households w/ children
144
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
$420K → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
240 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 132% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3612 WINDBER BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$855,000
3480 TANGLEWOOD TRAIL
5 bd · 4 ba · 3,833 sqft · $223/sqft · 0 DOM
Sold · Jun ’26$940,000
2928 WATERS EDGE ROAD
4 bd · 4 ba · 3,541 sqft · $265/sqft · 191 DOM
Sold · May ’26$1,184,500
2270 CHRISTY LANE
4 bd · 4.5 ba · 3,993 sqft · $297/sqft · 22 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3612 WINDBER BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3612 WINDBER BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3612 WINDBER BOULEVARD FAQs
What would the monthly payment be for 3612 WINDBER BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,337/mo — principal and interest, the actual property-tax bill, the $60/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 3612 WINDBER BOULEVARD?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3612 WINDBER BOULEVARD?+
The most recent tax bill on record (2025) was $7,620. 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 3612 WINDBER BOULEVARD?+
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 $950,000, this home is listed about 152% above the Palm Harbor median of $377,495. The market section on this page shows how the area is trending.
Which schools are assigned to 3612 WINDBER BOULEVARD?+
Cypress Woods Elementary School (elementary), East Lake High School (high), Joseph L. Carwise Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$950,000 runs 132% above the PALM HARBOR 34685 median — but at 3,735 sqft it's also nearly 3 times the size of the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Cypress Woods Elementary School, East Lake High School, Joseph L. Carwise Middle School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $975,000, now $950,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Tanner Tillung. MLS #TB8546926.
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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