381 WESTWINDS DRIVE, PALM HARBOR, FL, 34683
Active42 days on marketListed Jun 12, 2026MLS #TB8516559
About this home
381 WESTWINDS DRIVE
2BR/2BA home in Baywood Village, Palm Harbor. Fully renovated. Golf cart community. Renovated from top to bottom, and the flexibility of a golf-cart-friendly community make this 2-bedroom, 2-bathroom home a standout opportunity in Baywood Village, one of Palm Harbor's sought-after neighborhoods. Offering 1,396 square feet of living space on a .18-acre lot, this move-in-ready residence combines modern updates with the character of classic Florida living. With no HOA restrictions and no leasing restrictions, the property may appeal to buyers seeking a primary residence, seasonal retreat, or investment property. Inside, nearly every surface and system has been updated. The redesigned kitchen features custom soft-close cabinetry, quartz countertops, an LG appliance suite, a Bosch Home Connect dishwasher, black hardware throughout, and an open-concept layout that connects seamlessly to the living and dining areas. The spacious primary suite includes a renovated en-suite bathroom with a custom tiled shower, designer vanity, and walk-in closet ready for customization. A generously sized guest bedroom, additional storage closets, updated flooring, fresh interior paint, new doors, and upgraded molding continue the home's comprehensive renovation. The Florida room adds warmth and personality with a blend of Old Florida charm with modern finishes. Whether entertaining guests or enjoying a quiet evening at home, this flexible living space offers year-round enjoyment. Major improvements provide added peace of mind, including a roof replaced in 2022, flat roof replaced in 2020, Trane HVAC system installed in 2024, water heater replaced in 2024, front yard irrigation, gutters, smart security cameras and lights, fresh exterior paint, and a new hurricane-rated garage door. The home benefits from extensive documented updates. Outside, the large backyard creates an ideal setting to enjoy tranquil wildlife views. In the front-yard the new sod and landscaping enhance curb appeal while providing a fresh outdoor environment for relaxation, gardening, or future customization. Baywood Village is known for its golf-cart-friendly atmosphere, and active community lifestyle. Residents enjoy access to a clubhouse, playground, community events, golf cart parades, fishing tournaments, chili cook-offs, and planned recreational amenities. The location places you close to Honeymoon Island, Fred Howard Park, Sunset Beach, Wall Springs Park, the Pinellas Trail, Innisbrook Golf Resort, shopping, dining, and everyday conveniences. Tampa International Airport and St. Pete-Clearwater International Airport are also easily accessible. Fully renovated, move-in ready, with exceptional flexibility, this Palm Harbor property presents a rare opportunity to own in one of the area's hidden gem neighborhoods. Room sizes are approximate – Buyer must verify. PLEASE CLICK VIRTUAL TOUR LINK.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,396
Sqft
0.18 ac
Lot size
1
Garage
1970
Year built
One
Levels
$329
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,491 /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
$3,491/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
+29%
$/sqft vs Palm Harbor actives
$329 vs $259
Days on market
42 vs 42 typical
Where $329/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
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
207 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 12% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 381 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 · Feb ’26$340,000
36750 US HIGHWAY 19 N UNIT 04208
2 bd · 2 ba · 1,210 sqft · $281/sqft · 344 DOM
Sold · Mar ’26$345,000
36750 US HIGHWAY 19 N UNIT 04216
2 bd · 2 ba · 1,210 sqft · $285/sqft · 85 DOM
Sold · Sep ’25$394,000
36750 US HIGHWAY 19 N UNIT 6-111
2 bd · 2 ba · 1,210 sqft · $326/sqft · 0 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 381 WESTWINDS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 381 WESTWINDS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
381 WESTWINDS DRIVE FAQs
What would the monthly payment be for 381 WESTWINDS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,491/mo — principal and interest, the actual property-tax bill, the $5/mo association fee 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.
How much are the HOA fees at 381 WESTWINDS DRIVE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 381 WESTWINDS DRIVE?+
The most recent tax bill on record (2025) was $4,980. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 381 WESTWINDS DRIVE?+
The listing reports pets: Yes. 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 $459,900, this home is listed about 23% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 381 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
01Positioned at the premium end
$459,900 runs 12% above the PALM HARBOR 34683 median.
02Strong 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.
03The price has already moved
Listed at $479,900, now $459,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Rose Winters PLLC. MLS #TB8516559.
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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