$1,850,000
3157 Canal Drive
Palm Harbor, FL 34684
Listing updated: June 3, 2026 at 7:20 PM ET
Listing courtesy of Premier Community Realty Inc · Brett Schroder · MLS #TB8504097 · Active · 727-808-1288Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Discover this beautifully updated waterfront canal home offering direct access to Lake Tarpon and an exceptional blend of luxury, functionality, and long-term durability. This spacious 5-bedroom, 3.5-bath, 4,496 sq ft residence features a rare first-floor mother-in-law suite with a private close-off pocket door option, ideal for guests, multigenerational living, or extended stays. A standout feature is the oversized 3-car garage, complete with a built-in 10×10 storage room and extensive built-in shelving, providing unmatched storage and organization. The home has undergone major capital improvements in recent years, making it truly move-in ready. A new roof was installed in April 2021, followed by three new HVAC systems replaced in May 2023 for optimal comfort and efficiency. In October 2019, the entire exterior was upgraded with Hardie-Board color plus siding installed over full house wrap, eliminating the need for ongoing painting and offering superior moisture and pest resistance. That same year, all windows and pool-deck sliding doors were replaced (October 2019), enhancing hurricane resilience, energy efficiency, and insurance savings. Outdoor living shines with a large screened pool enclosure and a fully refurbished private dock completed in September 2023, featuring davits, covered lifts, and direct canal access for boating enthusiasts. Inside, the home boasts two full kitchens, two laundry rooms, a dramatic three-story foyer, and premium finishes throughout. For buyers seeking a turn-key experience, the property can be purchased fully furnished, offering a seamless transition into one of Palm Harbor’s most desirable waterfront lifestyles. NOTE- NO HOA FEES, NO DEED RESTRICTIONS, NO FLOOD INSURANCE- SEE LOMA ATTACHED. “Includes full 360° virtual tour and walkable video for remote buyers.” SEE ATTACHMENTS AND VIDEO TOUR LINKS- INCLUDES FLOOR PLAN LAYOUT INTERFACE WITH 360 VIDEO WALK THRU
Local Insight
At $411/sqft for a 1988 waterfront home on just 0.15 acres in Lake Tarpon Estates, you're paying a premium for water access and the pool, but you should have a thorough inspection given the age and understand that the tight lot size limits expansion options. The no-flood zone is a genuine plus in Pinellas County, and the location hits solid public schools, but verify the seawall condition and dock maintenance costs upfront since waterfront repairs can be substantial. This price point puts you in competitive territory with newer construction inland, so the decision really hinges on how much you value the water lifestyle versus having a larger, more modern footprint.
AI-generated insight based on listing data and neighborhood context. Verify independently.
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 history9 days on market
- Status: ActiveMay 25, 2026
- Listed$1,850,000May 25, 2026
- Price increased$1,850,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 9
- Subdivision
- Lake Tarpon Estates
- County
- Pinellas
- Year built
- 1988
- Living area
- 4,496 sq ft
- Price/sq ft
- $411
- Lot size
- 6,556 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- NO FLOOD Z (12103C0076H)
- Garage
- 3 spaces
- Pool
- Private pool
- Annual taxes
- $7,913 (2025)
- Parcel #
- 32-27-16-48780-000-0310
- Zoning
- R-3
- MLS #
- TB8504097
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Interior Details
- Bedrooms
- 5
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Carpet, Marble, Vinyl
- Appliances
- Bar Fridge, Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Refrigerator, Washer, Water Softener, Wine Refrigerator
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Chair Rail, Crown Molding, Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Tray Ceiling(s), Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
- Laundry
- Electric Dryer Hookup, Inside, Laundry Room, Other
- Stories / Levels
- Three Or More
- Direction faces
- South
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central, Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 3
- Attached garage
- Yes
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
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- French Doors, Private Entrance, Private Mailbox, Private Yard, Rain Gutters, Sliding Doors
- Construction materials
- HardiPlank Type, Frame
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Canal/Lake For Irrigation, Public
- Utilities
- Cable Available, Cable Connected, Electricity Available, Electricity Connected, Phone Available, Public, Sewer Available, Sewer Connected, Sprinkler Well, Water Available, 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 |
|---|---|---|
| Primary Bedroom | Second | |
| Bedroom 5 | First | |
| Bathroom 2 | Third | |
| Bedroom 3 | Third | |
| Bedroom 4 | Third | |
| Bathroom 3 | First | |
| Bathroom 1 | Second | |
| Bathroom 4 | Second | |
| Kitchen | First | |
| Laundry | First | |
| Kitchen | Second | |
| Laundry | Second | |
| Bedroom 2 | Upper | |
| Family Room | First | |
| Great Room | Second |
Listing Details
- Listing date
- 2026-05-21
- On market date
- 2026-05-25
- Original list price
- $1,850,000
- Occupant type
- Owner
- MLS area
- 34684 - Palm Harbor
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-05-25
- Tax legal description
- LAKE TARPON ESTATES LOT 31 32-27-16-48780-000-0310
Flood risk
See FEMA for this zone’s designation and insurance requirements.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
US HIWAT 19 NORTH OF ALDERMAN ROAD- HEAD EAST ON LAKE TARPON DRIVE TO NORTH CANAL DRIVE LEFT TURN. HOME IS LOCATED ON THE LEFT SIDE OF THE ROAD NEAR DEAD END. CAN BE PURCHASED FULLY FURNISHED TURN KEY HOME MOVEIN READY
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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 June 3, 2026 at 7:20 PM 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