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$295,000

312 WINCHESTER WAY, PALM HARBOR, FL 34684

3D Tour
Active107 days on market

Beds

3

Baths

3

Sq Ft

1,500 sq ft

Year Built

1990

Lot Size

0.05 acres

Garage

—

About This Property

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.

Property Overview

Property TypeResidential
Sub TypeTownhouse
MLS #C7524715
StatusActive
Year Built1990
Stories2
Total Rooms11
ConstructionVinyl Siding, Wood Frame
RoofShingle
FoundationSlab
FacesSouthwest
SubdivisionVILLAGE OF SOMERSET WOODS
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), PrimaryBedroom Upstairs, Thermostat
FlooringCarpet, Ceramic Tile
AppliancesConvection Oven, Dishwasher, Disposal, Electric Water Heater, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
WindowsAluminum Frames, Blinds
CoolingCentral Air
HeatingElectric
FireplaceYes ()

Exterior & Lot

ExteriorCourtyard, Private Entrance, Sliding Doors
FencingWood
Lot Size0.05 acres (2,182 sq ft)
Lot FeaturesCul-De-Sac
Road SurfacePaved, Asphalt
ViewTrees/Woods
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
HOA Fee$290 / Monthly
Senior CommunityNo

Financial Details

List Price$295,000
Original Price$309,000
Annual Taxes$4,182 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningRPD-7.5
Parcel #072816941610000710

Schools

ElementaryHighland Lakes Elementary-PN
MiddleCarwise Middle-PN
HighPalm Harbor Univ High-PN

Directions

75 North to 275 North, exit 30 FL-690W / FL-686 W / Roosevelt Blvd toward US-19, take US-19, turn right on Co Rd 95, Left on W lake Rd, Right onto Penzance St, turn Left on Winchester way to 312 Winchester Way.

Location

312 WINCHESTER WAY, PALM HARBOR, FL 34684

Listing Information

OfficeJOHN R WOOD PROPERTIES
ListedApril 19, 2026

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Home Price

$295,000

20% ($59,000)
6.75%

Loan Term

Principal & Interest$1,531
Property Tax (est.)$270
Insurance (est.)$150
Total Monthly$1,951
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $295,000 home in PALM HARBOR.

🏛️

FHA Loan

$10,325 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$14,750 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: August 10, 2026.

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