971 CORTLAND WAY, PALM HARBOR, FL, 34683
Active5 days on marketListed Sep 16, 2026MLS #TB8548247
About this home
971 CORTLAND WAY
2020 roof + 2018 HVAC • PGT Impact Windows • Flood Zone X with no flood insurance currently required. Single-story 3-bedroom, 2-bath home in Wexford Leas with approximately 2,268 sq ft, a split-bedroom layout, attached 2-car garage, fenced backyard, enclosed Florida room/rear patio, bonus/flex room, formal dining room, kitchen dining nook, interior laundry and covered front entry. Major system updates include a shingle roof in 2020, HVAC replacement in 2018, water heater in 2019, and a UV-light kit added to the HVAC system in 2025. PGT impact-rated windows were installed in 2017, the skylights are impact-rated, and hurricane shutters are provided for all windows except the kitchen window. The kitchen was remodeled in 2015. It features light cream cabinetry, stainless refrigerator, range/oven, microwave and dishwasher, tile backsplash, recessed lighting, extensive cabinet storage and a reverse osmosis (RO) water filtration system. The primary bath was renovated in 2015, with the shower fully renovated and flooring updated in 2023; the second bath received a complete update in March 2026. The living room features shiplap accent walls, luxury vinyl plank flooring, a vaulted ceiling, impact-rated skylights and a fireplace with stone surround; the fireplace was replaced in 2017. Plantation shutters, recessed lighting and updated finishes continue through key living areas, and the formal dining room includes beadboard/wainscoting. The bonus/flex room is located off the primary suite and adds separate space for office, exercise, hobby or sitting-room use; the primary suite also provides direct access to the enclosed rear patio overlooking the fenced backyard. Additional improvements include a laundry-room remodel in 2019, vinyl gates in 2023, a new driveway and east-side vinyl fencing in 2024, added attic insulation in 2026, an attic fan with Bluetooth remote control, landscape lighting, irrigation and a water-softener system. There are even more updates and extras throughout the home, so be sure to ask for the FAQ sheet for the full list. The location also puts a mix of everyday conveniences, downtown destinations and outdoor recreation within a short drive. Approximately 0.9 mi to Maria’s Farm Fresh Market, 1.1 mi to The Fix Coffee, 1.3 mi to Ozona Elementary School, 1.7 mi to Palm Harbor University High School, 1.8 mi to Palm Harbor Middle School and 2.1 mi to Downtown Palm Harbor for restaurants, breweries and local shops. Wall Springs Park is about 3.8 mi away with trails, boardwalks, an observation tower and direct access to the Pinellas Trail, and Honeymoon Island State Park is about 4 mi from the home. Listing includes a 3D tour, video tour and floor plan.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,268
Sqft
0.2 ac
Lot size
2
Garage
1985
Year built
One
Levels
$253
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.
$3,937 /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
$3,937/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
−24.9%
$/sqft vs Palm Harbor actives
$253 vs $256
Days on market
5 vs 52 typical
Where $253/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 Wexford Leas
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Wexford Leas — neighborhood snapshot
Population
1,001
Median age
58
Median income
$65,729
Median home value
$330,123
Avg household
2
Households w/ children
59%
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 → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
232 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 53% 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 971 CORTLAND WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$420,000
480 RADNOR DRIVE · same community
2 bd · 2 ba · 1,565 sqft · $268/sqft · 117 DOM
Sold · May ’26$600,000
1133 BURKE AVENUE
3 bd · 3 ba · 2,310 sqft · $260/sqft · 92 DOM
Sold · May ’26$740,000
2394 HANOVER DRIVE
3 bd · 3 ba · 2,171 sqft · $341/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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 971 CORTLAND WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 971 CORTLAND WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
971 CORTLAND WAY FAQs
What would the monthly payment be for 971 CORTLAND WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,937/mo — principal and interest, the actual property-tax bill, the $18/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 971 CORTLAND WAY?+
The association fee works out to $18 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 971 CORTLAND WAY?+
The most recent tax bill on record (2025) was $5,300. 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 971 CORTLAND WAY?+
The listing reports pets: Breed Restrictions. 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 $574,900, this home is listed about 52% 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 971 CORTLAND WAY?+
Ozona 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
$574,900 runs 53% above the PALM HARBOR 34683 median — but at 2,268 sqft it's also 55% larger than the typical Palm Harbor listing.
02Fresh on the market
Only 5 days on market in a Palm Harbor market that averages 52 — if it fits, move quickly.
03Strong assigned schools
Ozona Elementary School, Palm Harbor Middle School, Palm Harbor University High — Ozona Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BETTER HOMES AND GARDENS REAL ESTATE ATCHLEY PROPE · William Wargin PLLC. MLS #TB8548247.
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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