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About this home
1011 Winding Oaks Dr is a 1974-built home in Spanish Oaks, Palm Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,609 square feet of living space. Listed at $489,900 (about $304/sqft), 107 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $175 annually.
This pool home is located in the sought after Spanish Oaks neighborhood of Palm Harbor. Featuring 3 bedrooms and 2 bathrooms in a 1609 square foot split floor plan. The kitchen features plenty of storage with a separate pantry annd offers stainless appliances, granite countertops and plenty of cabinets and an additional area that can be used as a family room with the cozy wood burning fireplace. Spacious living room dining room area will accommodate all of your social gatherings. Primary bedroom features an en-suite bath and walkin closet. The split plan features two bedrooms and a hall bath on the other side. The two car garage features an epoxy coated floor and the garage door was replaced in May 2026 as was the garage side entry door. Patio door in the dining room is new and most of the remaining windows and doors in the home are double pane for energy efficiency (patio door in family room is the exception). Roof was done in 2024. Electric tankless hot water heater provides endless hot water and energy efficiency (2023). The backyard offers access to a palm and Oak oasis with your own private pool and features a lovely pavered apron and patio area for great entertaining space and enjoyment. A vinyl fence in the back yard provides for privacy and low maintence. We look forward to showing you this home, make your appointment today!
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The essentials
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
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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
$489,900
$304 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,609 sq ft
Time on market
107 days
Year built
1974
Monthly payment
About $2,976/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,929 annual tax bill, insurance, and the $175/yr HOA fee.
HOA fee
$175/yr
Managed by Spanish Oaks HOA.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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