76 GULFWINDS DRIVE, Palm Harbor, FL, 34683 | $639,900

BACK ON THE MARKET! PRICE IMPROVEMENT! Welcome to 76 Gulfwinds Drive, a coastal retreat perfectly designed for waterfront living in Palm Harbor in highly sought after Baywood village. Situated on a quiet canal with direct Gulf access, this 4-bedroom, 4-bath home captures the essence of Florida living, blending relaxed charm with thoughtful updates throughout.
From the moment you arrive, the home’s inviting curb appeal and new roof (2024) set the tone for a move-in-ready experience. A long, wide driveway offers ample parking for multiple vehicles or a boat trailer, and tropical landscaping frames the front entry with lush palms and mature greenery.

Inside, natural light fills the open main living area through sliding glass doors that lead out to the expansive screened-in upper porch. The interior features warm hardwood floors, vaulted ceilings, and built-in shelving that adds both personality and functionality. The open-concept flow connects the living room, dining space, and kitchen, ideal for entertaining or enjoying quiet evenings at home.

The kitchen is both stylish and practical, featuring updated butcher block countertops, stainless steel appliances, and plenty of cabinet storage. A pass-through breakfast bar opens to the living area, creating a natural gathering spot for family and guests.
The primary suite is a serene retreat, complete with a spacious sitting area or office nook that opens directly to the back porch through plantation shutters, perfect for morning coffee or evening relaxation. The ensuite bath includes double vanities and generous closet space. Three additional bedrooms and baths offer flexibility for guests, children, or multi-generational living.
Step outside and you’ll find the true highlight of this home; an incredible waterfront backyard built for the coastal lifestyle. The large screened-in upper porch provides panoramic views of the canal and surrounding palm trees, while the lower covered patio offers a shaded space for grilling, reading, or hosting gatherings. The tropical landscaping continues down to your private dock and covered boat lift, where your boat will always be ready for your next adventure. Whether you’re cruising to the Intracoastal Waterway, fishing the flats, or heading straight to the Gulf of Mexico, this location delivers direct access to open water without sacrificing the comfort of a quiet neighborhood setting.
The boathouse features a newer metal roof, 6, 500 lb. lift along 60 ft. of canal frontage, and ample deck space for lounging waterside. There’s even space to relax in the hammock under the shade or enjoy the evening glow of string lights reflecting off the water.

Additional highlights include dual A/C units (2018), updated retaining wall landscaping, a fenced side yard, and an exclusive neighborhood boat ramp just two blocks away, available only to select homes in the community. This house never flooded in the hurricane and is in proximity to beaches, parks, marinas, and restaurants make this location one of the area’s best-kept secrets.

Whether you’re looking for a year-round residence, a family coastal escape, or the perfect place to dock your boat and watch the sunset, 76 Gulfwinds Drive is ready to welcome you home.

Features

  • Rooms: 7
  • Bedrooms: 4
  • Baths: 4 full
  • Lot Size: 60 x 107
  • Laundry: Electric Dryer Hookup, Inside
  • Style: Key West
  • Year Built: 1981
  • Garage: 1-car Boat, Curb Parking, Driveway, Garage Door Opener, Golf Cart Parking, Guest, On Street, Parking Pad
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,192
  • Acreage: 0.19
  • Lot Size: 60 x 107
  • Est. Taxes: $3,824
  • HOA Fee: $60 Annually
  • Lot Desc: Flood Insurance Required, FloodZone, Landscaped
  • View: Water
  • Elem. School: Sutherland Elementary-PN
  • Middle School: Tarpon Springs Middle-PN
  • High School: Tarpon Springs High-PN
  • Pet Policy: Yes
  • Appliances: Disposal, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator
  • MLS#: TB8437995
  • Days on Market: 155 days
  • Website: https://www.raveis.com
    /prop/TB8437995/76gulfwindsdrive_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/31/2026 1:05:49 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 813-253-2444

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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76 GULFWINDS DRIVE, Palm Harbor, FL, 34683

$639,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $511,920 $511,920 $511,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.395% 6.557% 5.990%
Monthly Tax Payment $319 $319 $319
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,069 $3,194 $4,217
Total Monthly Payment $3,480 $3,605 $4,628

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.