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Overview

3 bd3 ba1,500 sqftTownhouse
TypeTownhouse
HOA$290/mo
Built1990
Lot2,182 sqft
Living area1,500 sqft
Price / sqft$197

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

About this home

Ceiling Fans(s)Primarybedroom UpstairsThermostatCourtyardPrivate EntranceSliding DoorsDeed RestrictionsPool

312 Winchester Way is a 1990-built home in Village Of Somerset Woods, Palm Harbor. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,500 square feet of living space. Listed at $295,000 (about $197/sqft), 178 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $290 monthly.

From the listing

Brand new deck, brand new driveway and 2025 AC. Rarely available, priced right, and full of opportunity—smart buyers will recognize this one immediately. This 3-bedroom, 2.5-bath townhouse offers a spacious, functional 1,500 sq ft layout that lives comfortably for both everyday living and entertaining. The main living area is anchored by a wood-burning fireplace, adding warmth and character you don’t often find, while the kitchen features granite countertops and flows seamlessly into the living and dining space. Upstairs, the primary suite includes an updated en-suite bathroom, creating a private retreat. Two additional bedrooms provide flexibility for guests, a home office, or whatever comes next. Positioned in a highly desirable Palm Harbor location near top-rated schools, parks, shopping, dining, and the Gulf beaches, this is a smart opportunity to get into a neighborhood where availability is limited. Residents also enjoy access to a community pool, adding to the overall lifestyle appeal. This is the kind of property buyers wait for—and the ones who move quickly are the ones who get it.

The essentials

Built
1990
Price / sqft
$197
On market
178 days
Annual tax
$4,182
HOA
$290/mo
Flood zone
X · Low risk
Lot
2,182 sqft
Type
Townhouse

At a glance

Townhouse
Built 1990
Community pool
Shared amenity
2,182 sqft lot
Lot size
1,500 sqft
Living area

Payment

Est. monthly payment
$2,325/mo
Down payment (20%)
$59,000
Property taxes
$349/mo
HOA
$290/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
1990
Lot
2,182 sqft
Cooling
Central Air
Heating
Electric
Parking
Covered, Driveway
Days on Market
178
Ceiling Fans(s)
Primarybedroom Upstairs
Thermostat
Courtyard
Private Entrance
Sliding Doors
Deed Restrictions
Pool
Sidewalks
Convection Oven
Dishwasher
Disposal
Electric Water Heater
Exhaust Fan
Freezer
Ice Maker
Microwave
Range
Refrigerator
Elementary
Highland Lakes Elementary-PN
Middle
Carwise Middle-PN
High
Palm Harbor Univ High-PN

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

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$4,182
Parcel #
07-28-16-94161-000-0710

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
Village Of Somerset Woods
County
Pinellas
MLS Area
34684 - Palm Harbor
Lot Size
2,182 sqft
Cul-De-SacPaved
HOA
$290/mo
Nancy

Price history

Date
Event
Price
8/4/2026
Price change
Source: Stellar MLS #C7524715
$295,000+1.7%
$197/sqft
-
Price change
Source: Stellar MLS #C7524715
$290,000-6.1%
$193/sqft
4/17/2026
Listed for sale
Source: Stellar MLS #C7524715
$309,000
$206/sqft

Neighborhood

312 Winchester Way
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $295,000
$292,500 – $295,000
98.8% – 100% of listTops out right at the list price
80% of listList price
34 of the last 66 townhouse or villa closings in 34684 landed at this number or higher (52%). The median one sat 34 days before it went under contract, and this one is on day 178 after a $14,000 cut.

Sample: 66 closed townhouse or villa sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,325/mo
Principal & interest$1,539
Property taxes$349
Insurance$148
HOA$290
Down payment20% · $59,000
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 includes any condo dues 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.

Quick answers.

Price

$295,000

$197 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,500 sq ft

Time on market

178 days

Year built

1990

Monthly payment

About $2,325/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,182 annual tax bill, insurance, and the $290/mo HOA fee.

HOA fee

$290/mo

Managed by Nancy.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byJOHN R WOOD PROPERTIESListing agent: Jodi PalmerListing data from Stellar MLS, MLS# C7524715.

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