$750,000
3140 Canal Drive
Palm Harbor, FL 34684
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
No Flood Insurance Required. Lakefront living. NO HOA. No rules. No restrictions. Updated 3-bedroom, 3.5-bath waterfront home (with a versatile mother-in-law suite, office, den) sits directly on a peaceful canal leading to one of Florida’s premier freshwater lakes. New roof (2025), new dock and seawall (2023), upgraded AC, and an expanded electrical panel ready for EV chargers. Inside, the open-concept kitchen is a showstopper, with custom cabinets, premium counters, and high-end appliances that flow effortlessly into the main dining and living room areas. Upstairs, the owners’ suite features a walk-in custom closet and a spa-inspired ensuite bath. Two additional guest rooms and an updated bath share this level, along with a full laundry room and loads of extra storage space. The mother-in-law suite downstairs has its own entrance, full bath, and laundry hook-up—perfect for guests, a home office, den, or possibly rental income. Plenty of space for boats, kayaks, skis and RVs. Nearby John Chesnut and Anderson Parks have public boat ramps, nature trails, and picnic areas. Top-rated Pinellas County schools, Honeymoon Island beaches, Downtown Dunedin, Tarpon Springs, and Tampa International Airport are just minutes away. Did we mention, No HOA. No lease restrictions. Just pure Florida lake life—freedom, fun, and relaxation all in one. Homes like this rarely come available on the water and a lifestyle this free is hard to find in Pinellas County—schedule your private showing today and see what lakefront living truly feels like. Seller will consider crypto currency offers.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history173 days on market
- Status: ActiveFeb 12, 2026
- Listed$890,000Oct 30, 2025
- Price reduced$750,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 173
- Subdivision
- Lake Tarpon Estates
- County
- Pinellas
- Year built
- 1983
- Living area
- 2,059 sq ft
- Price/sq ft
- $364
- Lot size
- 6,586 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X500 (12103C0076H)
- Garage
- 2 spaces
- Annual taxes
- $170 (2024)
- Parcel #
- 32-27-16-48780-000-0440
- Zoning
- R-3
- MLS #
- TB8441633
Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Carpet, Wood
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Water Softener
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Stone Counters
- Laundry
- Electric Dryer Hookup, In Garage, Laundry Room, Upper Level, Washer Hookup
- Stories / Levels
- Three Or More
- Direction faces
- North
- Fireplace
- Yes
- In-law suite
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Bath In Garage, Boat, Covered, Garage Door Opener, Ground Level, RV Access/Parking
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, Other, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Please refer to the Pinellas County Short Term Rental Certificate Of Use Program https://pinellas.gov/str/.
Exterior & Construction
- Exterior features
- Awning(s), Balcony, French Doors, Garden
- Construction materials
- Vinyl Siding, Frame
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Canal/Lake For Irrigation
- Utilities
- Cable Connected, Electricity Connected, Propane, Sewer Connected, Sprinkler Well, Underground Utilities, Water Connected
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | Second | 13x10 |
| Living Room | Second | 19x15 |
| Primary Bedroom | Third | 16x14 |
Listing Details
- Listing date
- 2025-10-30
- On market date
- 2025-10-30
- Original list price
- $890,000
- Occupant type
- Owner
- MLS area
- 34684 - Palm Harbor
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-02-12
- Tax legal description
- LAKE TARPON ESTATES LOT 44
Flood risk
Moderate-risk area (0.2% annual-chance / “500-year” floodplain). Flood insurance is recommended but usually not required.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
US 19N, turn left and stay on Lake Tarpon Dr, turn left on N Canal.
More homes like this
$599,900
3149 N Canal Dr
Palm Harbor, FL 34684
4 bd · 2 ba · 1,816 sqft
Lake Tarpon Estates
MLS# TB8481430
$1,850,000
3157 N Canal Dr
Palm Harbor, FL 34684
5 bd · 4 ba · 4,496 sqft
Lake Tarpon Estates
MLS# TB8504097
$749,000
707 N Disston Ave
Tarpon Springs, FL 34689
4 bd · 4 ba · 2,550 sqft
Tarpon Spgs Official Map
MLS# A4695632
$595,000
970 Gulf View Blvd
Dunedin, FL 34698
3 bd · 3 ba · 1,833 sqft
Dunedin Isles Country Club
MLS# TB8514450
Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of May 7, 2026 at 10:12 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA