
3134 WINDMOOR DRIVE N, PALM HARBOR, FL, 34685
Active102 days on marketListed Apr 24, 2026MLS #O6402214
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About this home
3134 WINDMOOR DRIVE N
Experience easy, low-maintenance living in this fully renovated villa set on an oversized 0.48-acre home with peaceful preservation views. Designed with both comfort and functionality in mind, this home features a bright split floor plan, soaring vaulted ceilings, and a unique central atrium that fills the space with natural light. The interior has been extensively upgraded throughout, including 24” porcelain tile flooring (no carpet), fresh paint, 5” baseboards, and modern Decora-style switches and outlets. The inviting living area is anchored by a wood-burning fireplace adds character and creating a warm, inviting atmosphere to the main living area. The kitchen, completely redesigned in 2022, features stylish cabinetry, Natural stone calcite countertops, tile backsplash, a Bosch dishwasher, new oven, and expanded storage with additional pantry cabinets and a dedicated coffee bar. A walk-in pantry enhances everyday convenience. The primary suite serves as a private retreat and features a walk-in closet with a beautifully reimagined bathroom (Dec 2022) with a large spa-style walk-in shower, luxury fixtures, double vanity, and upgraded lighting. The guest bathroom has also been updated with granite countertops and flooring. Flexible living space includes a third bedroom/den with built-in shelving, commonly used as a third bedroom or home office. The second bedroom includes a walk-in closet. Outdoor living is just as inviting, with a screened lanai that includes a covered area designed for relaxing or hobbies, plus updated tilework with flagstone look on both front and rear porches. The expansive lot and rear greenspace create a sense of privacy and tranquility. Additional upgrades include a Trane A/C system (Aug 2022) with transferable warranty, water softener, EV charging sub-panel (2023), and a 2-car garage with storage system, hurricane rated insulated garage door and new opener (2025). The laundry area has also been enhanced with a utility sink and cabinet, and new plantation-style bifold doors provide a clean, cohesive look throughout. Community amenities include a solar-heated pool, and the HOA provides yard and pool maintenance. The Ridgemoor Master Association has tennis courts, basketball courts and a play park. This move-in ready villa combines thoughtful upgrades, spacious design and tranquil surroundings – an exceptional opportunity you won’t want to miss.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,600
Sqft
0.48 ac
Lot size
2
Garage
1986
Year built
One
Levels
$287
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.
$3,691 /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
$3,691/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
+27.8%
$/sqft vs Palm Harbor actives
$287 vs $264
Days on market
102 vs 48 typical
Where $287/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.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34685 — neighborhood snapshot
Population
17,895
Median age
48.7
Median income
$87,658
Median home value
$479,400
Avg household
2.45
Households w/ children
1,931
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)
214 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 33% above the PALM HARBOR 34685 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3134 WINDMOOR DRIVE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$382,000
2934 WINDMOOR DRIVE S · same community
2 bd · 2 ba · 1,600 sqft · $239/sqft · 41 DOM
Sold · Feb ’26$440,000
3182 WINDMOOR DRIVE N · same community
2 bd · 2 ba · 1,600 sqft · $275/sqft · 76 DOM
Sold · Apr ’26$330,000
3230 JADEMOOR CIRCLE · same community
2 bd · 2 ba · 1,447 sqft · $228/sqft · 509 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3134 WINDMOOR DRIVE N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3134 WINDMOOR DRIVE N — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3134 WINDMOOR DRIVE N FAQs
What would the monthly payment be for 3134 WINDMOOR DRIVE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,691/mo — principal and interest, the actual property-tax bill, the $209/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 3134 WINDMOOR DRIVE N?+
The association fee works out to $209 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3134 WINDMOOR DRIVE N?+
The most recent tax bill on record (2025) was $4,936. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3134 WINDMOOR DRIVE N?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Yes. 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 $459,900, this home is listed about 21% above the Palm Harbor median of $379,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3134 WINDMOOR DRIVE N?+
Cypress Woods Elementary School (elementary), Joseph L. Carwise Middle School (middle), East Lake High School (high) — 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
$459,900 runs 33% above the PALM HARBOR 34685 median.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
102 days on market against a Palm Harbor median of 48 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Cypress Woods Elementary School, Joseph L. Carwise Middle School, East Lake High School — Cypress Woods Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $469,900, now $459,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6402214.
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.
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