312 WINCHESTER WAY, PALM HARBOR, FL, 34684
Active110 days on marketListed Apr 19, 2026MLS #C7524715
About this home
312 WINCHESTER WAY
Brand new deck, brand new driveway and 2025 AC. Rarely available, priced right, and full of opportunity—smart buyers will recognize this one immediately. This 3-bedroom, 2.5-bath townhouse offers a spacious, functional 1,500 sq ft layout that lives comfortably for both everyday living and entertaining. The main living area is anchored by a wood-burning fireplace, adding warmth and character you don’t often find, while the kitchen features granite countertops and flows seamlessly into the living and dining space. Upstairs, the primary suite includes an updated en-suite bathroom, creating a private retreat. Two additional bedrooms provide flexibility for guests, a home office, or whatever comes next. Positioned in a highly desirable Palm Harbor location near top-rated schools, parks, shopping, dining, and the Gulf beaches, this is a smart opportunity to get into a neighborhood where availability is limited. Residents also enjoy access to a community pool, adding to the overall lifestyle appeal. This is the kind of property buyers wait for—and the ones who move quickly are the ones who get it.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,500
Sqft
0.05 ac
Lot size
1990
Year built
Two
Levels
$197
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.
$2,666 /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
$2,666/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
−9%
$/sqft vs Palm Harbor actives
$197 vs $264
Days on market
110 vs 47 typical
Where $197/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.
The investor lens
Two ways this home pays
This home sits inside Somerset, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,150/mo median
Live Palm Harbor rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Somerset
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Somerset is a short-term-rental community. See the full guide →
PALM HARBOR 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
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)
221 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 18% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 312 WINCHESTER WAY
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$330,000
2709 PENZANCE STREET · same community
3 bd · 2.5 ba · 1,540 sqft · $214/sqft · 2 DOM
Sold · Apr ’26$325,000
208 ST IVES DR · same community
3 bd · 2.5 ba · 1,590 sqft · $204/sqft · 9 DOM
Sold · Mar ’26$299,000
310 WINCHESTER WAY · same community
3 bd · 2 ba · 1,350 sqft · $221/sqft · 5 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 312 WINCHESTER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 312 WINCHESTER WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
312 WINCHESTER WAY FAQs
What would the monthly payment be for 312 WINCHESTER WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,666/mo — principal and interest, the actual property-tax bill, the $290/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 312 WINCHESTER WAY?+
The association fee works out to $290 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 312 WINCHESTER WAY?+
The most recent tax bill on record (2025) was $4,182. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 312 WINCHESTER WAY be rented short-term?+
Yes — this home sits inside Somerset, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 312 WINCHESTER WAY?+
The listing reports pets: Cats OK, Dogs OK. 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 $295,000, this home is listed about 22% below the Palm Harbor median of $379,450. The market section on this page shows how the area is trending.
Which schools are assigned to 312 WINCHESTER WAY?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$295,000 runs 18% above the PALM HARBOR 34684 median.
02Zoned for nightly rentals
Somerset is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
04Time on market is leverage
110 days on market against a Palm Harbor median of 47 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of JOHN R WOOD PROPERTIES · Jodi Palmer. MLS #C7524715.
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.
Never miss a listing
New Palm Harbor homes, in your inbox
Like 312 WINCHESTER WAY but not quite? A daily digest of every new listing in Palm Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →