2709 Winding Way, photo 1
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Overview

3 bd2 ba1,706 sqft2 car garageSingle Family
TypeSingle Family
HOA$555/yr
Built1985
Lot10,759 sqft
Living area1,706 sqft
Price / sqft$284
Garage2 car

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Open house

Sunday, Oct 18 · 11:00 AM to 1:00 PM

About this home

Cathedral Ceiling(s)Eat-in KitchenLiving Room/Dining Room ComboSplit BedroomPrivate YardRain GuttersSidewalkSprinkler Metered

2709 Winding Way is a 1985-built home in Hidden Lake, Palm Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,706 square feet of living space. Listed at $485,000 (about $284/sqft), 20 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $555 annually.

From the listing

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.

The essentials

Built
1985
Price / sqft
$284
On market
20 days
Annual tax
$8,123
HOA
$555/yr
Flood zone
X · Low risk
Lot
10,759 sqft
Type
Single Family Residence

At a glance

Single family
Built 1985
2 car garage
Driveway
0.25 acres
Lot size
1,706 sqft
Living area

Payment

Est. monthly payment
$3,494/mo
Down payment (20%)
$97,000
Property taxes
$677/mo
HOA
$555/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1985
Lot
10,759 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Garage Faces Side, Ground Level, Other, Oversized
Days on Market
20
Cathedral Ceiling(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Split Bedroom
Private Yard
Rain Gutters
Sidewalk
Sprinkler Metered
Deed Restrictions
Park
Playground
Tennis Court(s)
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Water Softener
Elementary
Ozona 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.

Flood Zone X
Annual Tax (2025)
$8,123
Parcel #
35-27-15-38605-008-0180

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
Hidden Lake
County
Pinellas
MLS Area
34683 - Palm Harbor
Lot Size
10,759 sqft
Corner LotIn CountyLandscapedOversized LotSidewalkPavedUnincorporated
HOA
$555/yr
Hidden Lake

Price history

Date
Event
Price
9/25/2026
Listed for sale
Source: Stellar MLS #TB8549616
$485,000
$284/sqft

Neighborhood

2709 Winding Way
Palm Harbor, FL, 34683 · 34683 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $485,000
$477,500 – $485,000
98.2% – 100% of listTops out right at the list price
80% of listList price
81 of the last 161 home closings in 34683 landed at this number or higher (50%). The median one sat 25 days before it went under contract, and this one is on day 20.

Sample: 161 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
$3,495/mo
Principal & interest$2,529
Property taxes$677
Insurance$243
HOA$46
Down payment20% · $97,000
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

$485,000

$284 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,706 sq ft

Time on market

20 days

Year built

1985

Monthly payment

About $3,494/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,123 annual tax bill, insurance, and the $555/yr HOA fee.

HOA fee

$555/yr

Managed by Hidden Lake.

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?

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Brokered byCHARLES RUTENBERG REALTY INCListing agent: Lance Willard LLCListing data from Stellar MLS, MLS# TB8549616.

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