378 WESTWINDS DRIVE, PALM HARBOR, FL, 34683
Active13 days on marketListed Jul 24, 2026MLS #TB8532110
About this home
378 WESTWINDS DRIVE
Waterfront living at its finest in the heart of Palm Harbor! This beautifully maintained and furnished 2-bedroom, 2-bath home with 1,406 square feet offers an incredible opportunity for boaters, anglers, and anyone looking to enjoy Florida's waterfront lifestyle. Situated on deep, unrestricted water, you'll have quick access to the Intracoastal Waterway and Gulf of America from your private dock. This dock features a boat lift, wet slip, and floating dock. After a day of fishing or diving, clean your catch at the convenient fish cleaning station right on the dock where you will have water and electric hook ups. Inside, you'll find a bright, open floor plan filled with natural light and beautiful waterfront views from the primary suite, kitchen, and family room. The spacious layout also features an inside laundry room and a comfortable flow that's perfect for everyday living. Start each morning on the screened waterfront patio, where you can relax with a cup of coffee while taking in peaceful sunrises and tranquil water views. Additional features include a fully furnished house at no additional charge, a 1-car garage, a wraparound driveway with plenty of parking, and extra storage space along the side of the home—perfect for kayaks, paddleboards, fishing gear, and other water toys. Located in one of Palm Harbor's most desirable waterfront neighborhoods, this home offers the perfect combination of peaceful coastal living and convenient access to top-rated schools, restaurants, shopping, marinas, and everything the area has to offer. Bring your boat, bring your fishing poles, and start living the waterfront lifestyle you've been dreaming of!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,406
Sqft
0.16 ac
Lot size
1
Garage
1969
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$186 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$186/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Harbor actives
$3 vs $264
Days on market
13 vs 48 typical
Where $3/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
219 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 378 WESTWINDS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$780,000
372 WESTWINDS DRIVE · same community
3 bd · 2 ba · 1,791 sqft · $436/sqft · 3 DOM
Sold · Jul ’26$982,000
386 WESTWINDS DRIVE · same community
3 bd · 2.5 ba · 2,599 sqft · $378/sqft · 194 DOM
Sold · Aug ’25$140,000
3301 ALT 19 UNIT 819
2 bd · 2 ba · 1,368 sqft · $102/sqft · 25 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Arthur Middleton
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 378 WESTWINDS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 378 WESTWINDS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Arthur's phone and CRM.
Straight answers
378 WESTWINDS DRIVE FAQs
What would the monthly payment be for 378 WESTWINDS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $186/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 378 WESTWINDS DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Pet Deposit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $3,600, this home is listed about 99% below the Palm Harbor median of $379,990. The market section on this page shows how the area is trending.
Which schools are assigned to 378 WESTWINDS DRIVE?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the PALM HARBOR 34683 market on paper
$3,600 is 99% below the PALM HARBOR 34683 median of $390,990, and at $3/sqft it sits under the Palm Harbor average of $272.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Jonathan Hernandez. MLS #TB8532110.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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