2709 WINDING WAY, PALM HARBOR, FL, 34683
Active23 days on marketListed Sep 25, 2026MLS #TB8549616
About this home
2709 WINDING WAY
Welcome to 2709 Winding Way, Palm Harbor, FL 34683—a beautifully maintained 3-bedroom, 2-bath home offering over 1,700 square feet of comfortable Florida living in one of Palm Harbor’s most desirable locations. Situated on a spacious .25-acre corner lot with a large fenced backyard, this home combines an inviting floor plan, important recent improvements, and the location buyers are looking for. Step inside to a flowing split-bedroom floor plan designed for both everyday living and entertaining. The home has been moderately updated while maintaining a warm, welcoming feel and is move-in ready for its next owner. Generous living spaces provide plenty of room to gather with family and friends, while the split layout offers added privacy between the primary suite and secondary bedrooms. Major improvements include a 2021 roof and 2023 HVAC system, providing peace of mind for years to come. An oversized 2-car garage offers excellent space for vehicles, storage, bikes, beach gear, and more. Outside, the large fenced backyard provides room to entertain, play, garden, or simply enjoy the Florida sunshine. The quarter-acre corner lot adds a sense of space and privacy that's increasingly difficult to find. The location is outstanding. Enjoy living in the highly sought-after Palm Harbor area, convenient to local shopping, dining, recreation, and the beautiful Gulf Coast. Spend your weekends exploring nearby Honeymoon Island State Park, Dunedin, beaches, parks, and the Pinellas Trail, while still enjoying the feel of an established residential community. The home is also located within the highly regarded Palm Harbor school district. This is more than just a house—it's the kind of home and neighborhood where friends and family come together, celebrations happen, and memories are made. If you've been searching for a 3-bedroom home in Palm Harbor with a newer roof, newer HVAC, split floor plan, oversized garage, fenced backyard, quarter-acre corner lot, and convenient access to Honeymoon Island, 2709 Winding Way deserves to be at the top of your list. Well maintained, move-in ready, and perfectly positioned to enjoy the Palm Harbor lifestyle—welcome home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,706
Sqft
0.25 ac
Lot size
2
Garage
1985
Year built
One
Levels
$284
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.
$3,953 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,953/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+7.8%
$/sqft vs Palm Harbor actives
$284 vs $265
Days on market
23 vs 68 typical
Where $284/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 Hidden Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Hidden Lakes — neighborhood snapshot
Population
288
Median age
48
Median income
$34,911
Median home value
$344,400
Avg household
2
Households w/ children
13%
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)
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 23% 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 2709 WINDING WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$500,000
2554 ROLLING OAKS DRIVE · same community
4 bd · 2 ba · 1,788 sqft · $280/sqft · 35 DOM
Sold · Nov ’25$329,000
7552 SW 102ND LOOP · same community
3 bd · 2 ba · 1,804 sqft · $182/sqft · 45 DOM
Sold · Feb ’26$313,000
7570 SW 100TH STREET · same community
4 bd · 2 ba · 1,925 sqft · $163/sqft · 462 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2709 WINDING WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2709 WINDING WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2709 WINDING WAY FAQs
What would the monthly payment be for 2709 WINDING WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,953/mo — principal and interest, the actual property-tax bill, the $46/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 2709 WINDING WAY?+
The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2709 WINDING WAY?+
The most recent tax bill on record (2025) was $8,123. 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 2709 WINDING WAY?+
The listing reports pets: Cats OK, Dogs OK, 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 $485,000, this home is listed about 25% above the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2709 WINDING WAY?+
Palm Harbor University High (high), Ozona Elementary School (elementary), Palm Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Lance Willard LLC. MLS #TB8549616.
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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