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Overview

3 bd2 ba1,609 sqft2 car garageSingle Family
TypeSingle Family
HOA$175/yr
Built1974
Lot9,326 sqft
Living area1,609 sqft
Price / sqft$304
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenLiving Room/Dining Room ComboPrimary Bedroom Main FloorStone CountersThermostatPrivate Yard

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.

From the listing

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!

The essentials

Built
1974
Price / sqft
$304
On market
107 days
Annual tax
$1,929
HOA
$175/yr
Flood zone
X · Low risk
Lot
9,326 sqft
Type
Single Family Residence

At a glance

Single family
Built 1974
Private pool
Deck
2 car garage
Garage Door Opener
9,326 sqft lot
Lot size
1,609 sqft
Living area

Payment

Est. monthly payment
$2,976/mo
Down payment (20%)
$97,980
Property taxes
$161/mo
HOA
$175/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1974
Lot
9,326 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Ground Level
Pool
Deck, Gunite, In Ground, Lighting
Days on Market
107
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Stone Counters
Thermostat
Private Yard
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Tankless Water Heater
Washer
Water Softener
Elementary
Palm Harbor Elementary-PN
Middle
Palm Harbor Middle-PN
High
Palm Harbor Univ High-PN

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,929
Parcel #
13-28-15-84573-004-0060

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
Spanish Oaks
County
Pinellas
MLS Area
34683 - Palm Harbor
Lot Size
9,326 sqft
In CountyLandscapedLevelPaved
HOA
$175/yr
Spanish Oaks HOA

Price history

Date
Event
Price
9/22/2026
Price change
Source: Stellar MLS #TB8525903
$489,900-1.8%
$304/sqft
-
Price change
Source: Stellar MLS #TB8525903
$499,000-2.2%
$310/sqft
6/28/2026
Listed for sale
Source: Stellar MLS #TB8525903
$510,000
$317/sqft

Neighborhood

1011 Winding Oaks Dr
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $489,900
$480,000 – $489,900
98.2% – 100% of listTops out right at the list price
80% of listList price
79 of the last 156 home closings in 34683 landed at this number or higher (51%). The median one sat 25 days before it went under contract, and this one is on day 107 after a $20,100 cut.

Sample: 156 closed home sales in 34683 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,976/mo
Principal & interest$2,555
Property taxes$161
Insurance$245
HOA$15
Down payment20% · $97,980
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

$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.

Offer

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Brokered byDUNEDIN LIFE REALTYListing agent: David VoseListing data from Stellar MLS, MLS# TB8525903.

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