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- 312 WINCHESTER WAY
$295,000
312 WINCHESTER WAY, PALM HARBOR, FL 34684
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
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
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
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$295,000
Loan Term
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.