609 WESTWINDS DRIVE UNIT 4, PALM HARBOR, FL, 34683
Active0 days on marketListed Aug 6, 2026MLS #TB8535389
About this home
609 WESTWINDS DRIVE UNIT 4
WATERFRONT + PRIVATE DOCK + DIRECT GULF ACCESS! This charming Palm Harbor villa-style condo is truly one of a kind! The unit has been BEAUTIFULLY RENOVATED from top to bottom featuring a CUSTOM KITCHEN with built-in cabinets, solid surface countertops, gorgeous tile backsplash, new stainless steel appliances and HUGE KITCHEN ISLAND with seating for up to 6! Also in the kitchen is a dedicated bar area with high-end icemaker and workstation desk. NEW plumbing, HVAC, duct work, water heater, impact door, electrical rewiring, exterior and interior painting, NEW LVP flooring throughout - all permitted work. The newly configured floorplan adds a BONUS ROOM that would be great for guests, a nursery or office. Situated on a saltwater canal leading to the Gulf, your private dock puts boating, fishing, kayaking and manatee watching outside your door. Ideally located near the Pinellas Trail, Tarpon Sponge Docks, Innisbrook, Fred Howard Park, Honeymoon Island, Sunset Beach and local restaurants and shopping. MUST SEE! The monthly fee includes water, trash, sewer, internet, cable TV, pest control, lawn maintenance, insurance, exterior maintenance and grounds care! This is the perfect starter home, retirement home or second home for winter travelers. No leasing is permitted at this time. Pets are allowed, 2 max under 40 lbs.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
875
Sqft
1.3 ac
Lot size
1968
Year built
One
Levels
$319
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.
$2,662 /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
$2,662/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
+17.5%
Days on market
0 vs 48 typical
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)
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% below the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 609 WESTWINDS DRIVE UNIT 4 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 609 WESTWINDS DRIVE UNIT 4 — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
609 WESTWINDS DRIVE UNIT 4 FAQs
What would the monthly payment be for 609 WESTWINDS DRIVE UNIT 4?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,662/mo — principal and interest, the actual property-tax bill, the $640/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 609 WESTWINDS DRIVE UNIT 4?+
The association fee works out to $640 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 609 WESTWINDS DRIVE UNIT 4?+
The most recent tax bill on record (2025) was $1,154. 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 609 WESTWINDS DRIVE UNIT 4?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit. 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 $279,000, this home is listed about 27% 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 609 WESTWINDS DRIVE UNIT 4?+
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
Five things that matter here
01Under the PALM HARBOR 34683 market on paper
$279,000 is 29% below the PALM HARBOR 34683 median of $392,495.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $640/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Listed today in a Palm Harbor market that averages 48 — if it fits, move quickly.
05Strong 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.
Listing courtesy of COLDWELL BANKER REALTY · Brittany Norman. MLS #TB8535389.
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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