334 CROSSWINDS DRIVE, Palm Harbor, FL, 34683 | $398,000

Discover space, flexibility, and value in this move-in ready Palm Harbor home with no HOA. Offering three bedrooms, two baths, a two-car garage, and 1, 656 heated square feet, this two-story property features a versatile layout, generous outdoor living spaces, and room to make it your own. Freshly painted throughout with new carpet in the bedrooms, the home is ready for its next owner. Enter into and ascend to the upper level with your main living space. Descending, a bonus room creates an inviting gathering space and opens directly to the covered patio and backyard. This homes living space provides endless possibilities for today's lifestyle, whether you need a home office, fitness room, playroom, media space, or additional living area. The open-concept living and kitchen area is designed for everyday comfort and casual entertaining. The kitchen features granite countertops, a breakfast bar, and ample workspace, all flowing seamlessly into the main living area. All three bedrooms are located on the second level, including the primary suite with a private en-suite bath. Outdoor living is a standout feature of this property. Enjoy morning coffee or evening sunsets from the expansive second-story balcony, or relax beneath the covered patio overlooking the spacious backyard. The fully fenced yard, complete with a new fence, offers privacy, room to play, and plenty of space to create your ideal outdoor retreat. Located in the heart of Palm Harbor, this home offers easy access to some of the area's most loved destinations. Downtown Palm Harbor is less than six miles away, while charming downtown Dunedin and the beaches of Honeymoon Island are just a short drive. Enjoy nearby parks, including Wall Springs Park, along with local restaurants, shopping, and the coastal lifestyle that makes Palm Harbor one of Tampa Bay's most desirable communities. With a flexible floor plan, fresh updates, abundant outdoor space, and a prime Palm Harbor location, this home presents an exceptional opportunity to make it your own.

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room, Upper Level
  • Style: Traditional
  • Year Built: 1984
  • Garage: 2-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,656
  • Acreage: 0.17
  • Est. Taxes: $4,708
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Refrigerator, Washer
  • MLS#: TB8497379
  • Days on Market: 60 days
  • Website: https://www.raveis.com
    /prop/TB8497379/334crosswindsdrive_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 7/2/2026 10:47:07 PM)
Listing courtesy of PREMIER SOTHEBYS INTL REALTY   Phone: 813-217-5288

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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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334 CROSSWINDS DRIVE, Palm Harbor, FL, 34683

$398,000

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 $318,400 $318,400 $318,400
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $392 $392 $392
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,907 $2,010 $2,644
Total Monthly Payment $2,374 $2,477 $3,111

* 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.