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3040 Windridge Oaks Dr, Palm Harbor, FL, 34684

$293/sqft·Groves At Cobbs Landing

5 bd4 ba2,492 sqft2 car garageSingle Family
Listed by SANCTUARY REAL ESTATE GROUP, LLC· Last updated · MLS# TB8542553

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

Est. monthly payment
$4,538/mo
Down payment (20%)
$146,000
Property taxes
$310/mo
HOA
$670/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1991
Private pool
Gunite
2 car garage
8,777 sqft lot
Lot size
2,492 sqft
Living area

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboVaulted Ceiling(s)Private MailboxSidewalkDishwasherIce Maker

3040 Windridge Oaks Dr is a 1991-built home in Groves At Cobbs Landing, Palm Harbor. Inside you'll find 5 bedrooms, 4 bathrooms, and 2,492 square feet of living space. Listed at $729,999 (about $293/sqft), 14 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $670 annually.

From the listing

Refined Designer-Led Renovation in The Groves at Cobbs Landing – A Palm Harbor SANCTUARY! This beautifully reimagined pool home—transformed under the guidance of a professional interior designer—offers a level of sophistication and comfort rarely found in today’s market. Set on a manicured corner lot shaded by mature oaks, the residence features 5 bedrooms, or 4 bedrooms plus a dedicated office, arranged within a flexible layout tailored to modern living. Inside, every space has been curated with intention. Wide-plank flooring, soaring ceilings, and custom lighting establish an elegant yet inviting atmosphere, while thoughtfully separated living areas provide both openness for gathering and privacy for daily routines. The renovated kitchen serves as a central focal point, showcasing quartz surfaces, abundant cabinetry, stainless steel appliances, and an expansive island that flows effortlessly into the home’s main living spaces. The primary suite offers a calming retreat with generous proportions, a beautifully updated ensuite featuring a large walk-in shower, and serene views overlooking the sparkling pool and spa—an ideal place to begin and end each day. Outdoors, a screened lanai frames the private pool area, creating a tranquil setting for year-round enjoyment. Mature landscaping enhances the sense of seclusion, and a convenient pool bath adds everyday practicality. Blending designer aesthetics with a highly functional floor plan, this exceptional residence delivers refined living in one of Palm Harbor’s most desirable communities. Located within the highly sought-after Groves at Cobb’s Landing, this residence offers peace of mind with a new roof and new water heater, along with the added benefit of a low annual HOA. Families appreciate access to top-rated Palm Harbor schools, while the community’s prime location places Gulf beaches, marinas, golf courses, parks, shopping, and dining all within easy reach. This is a rare opportunity to own a home where thoughtful design, meaningful updates, and an exceptional Palm Harbor setting come together to deliver a truly elevated lifestyle.

The essentials

Built
1991
Price / sqft
$293
On market
15 days
Annual tax
$3,721
HOA
$670/yr
Flood zone
X · Low risk
Lot
8,777 sqft
Type
Single Family Residence

Location

3040 Windridge Oaks Dr
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1991
Lot
8,777 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Gunite, In Ground
Days on Market
15
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Vaulted Ceiling(s)
Private Mailbox
Sidewalk
Dishwasher
Ice Maker
Microwave
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.

Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$3,721

Parcel #

32-27-16-33988-000-072

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

Groves At Cobbs Landing

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

8,777 sqft

Corner Lot
HOA
$670/yr
Melrose Partnership Group
Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #TB8542553
$729,999-0.7%
$293/sqft
Price change
Source: Stellar MLS #TB8542553
$734,999
$295/sqft
8/27/2026
Listed for sale
Source: Stellar MLS #TB8542553
$735,000+44.1%
$295/sqft
4/1/2026
Sold
Source: Pinellas County Public Record
$510,000
$205/sqft
Est. monthly payment$4,538/mo
Principal & interest$3,807
Property taxes$310
Insurance$365
HOA$56
Down payment20% · $146,000
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 is the fee 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.

Offer Insights

Choose an offer strength

List price: $729,999
$720,000 – $729,999
98.5% – 100% of listTops out right at the list price
80% of listList price
55 of the last 109 home closings in 34684 landed at this number or higher (50%). The median one sat 15 days before it went under contract, and this one is on day 15 after a $5,001 cut.

Sample: 109 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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