$780,000
3131 Canal Drive
Palm Harbor, FL 34684
Listing updated: September 15, 2026 at 7:07 PM ET
Listing courtesy of Charles Rutenberg Realty Inc · Chris Sauger · MLS #TB8538140 · Active · 727-538-9200Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
WATERFRONT LIVING ON LAKE TARPON WITH NO HOA! Discover the possibilities in this spacious 3,354-square-foot heated saltwater pool home, ideally situated on a quarter-acre lot in desirable Lake Tarpon Estates. With approximately 100 feet of freshwater canal frontage, direct boating access to Lake Tarpon, and a covered 10,000-pound boat lift accommodating a boat up to approximately 28 feet, this property is designed for those who want to enjoy the Florida waterfront lifestyle. The flexible split-bedroom floor plan offers excellent options for multigenerational living, extended family, guests, or a private home office/retreat. The first-floor in-law suite features its own bedroom, full bathroom, kitchen area, and private entrance, creating a comfortable and independent living space. Upstairs are two additional bedrooms, an updated full bathroom, a second living area, and a screened balcony with stairs leading directly to the pool and outdoor living area. Outdoor living is a true highlight, with more than 1,700 square feet of screened space surrounding the heated saltwater pool and overlooking the tranquil canal. There is plenty of room to entertain, relax poolside, enjoy morning coffee, or take in beautiful Florida sunsets. The waterfront setting provides convenient access to boating, fishing, kayaking, and other water activities, with Lake Tarpon just minutes away by boat. Recent updates include a roof approximately 4 years old, new flooring, updated bathrooms, a Jacuzzi tub, new water heater, new washing machine, new garage door opener, and recently serviced dual central A/C systems. With no HOA, there is flexibility to bring your boat, RV, and water toys. Whether you're looking for a full-time residence, multigenerational home, or private waterfront retreat, this Lake Tarpon Estates property offers space, versatility, and direct access to one of Pinellas County's premier freshwater lakes.
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 history31 days on market
- Status: ActiveAug 15, 2026
- Listed$790,000Aug 15, 2026
- Price reduced$780,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 31
- Subdivision
- Lake Tarpon Estates
- County
- Pinellas
- Year built
- 1973
- Living area
- 3,354 sq ft
- Price/sq ft
- $233
- Lot size
- 10,929 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- AE (12103C0076H)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $6,364 (2025)
- Parcel #
- 32-27-16-48780-000-0260
- Zoning
- R-3
- MLS #
- TB8538140
Ask about this home
Have a question? Ask the broker directly.
Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.
Interior Details
- Bedrooms
- 4
- Full bathrooms
- 4
- Flooring
- Carpet, Luxury Vinyl, Tile
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
- Interior features
- Built-in Features, Ceiling Fans(s), Crown Molding, Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Walk-In Closet(s), Window Treatments
- Laundry
- Laundry Closet
- Stories / Levels
- Two
- Direction faces
- South
- Fireplace
- Yes
- In-law suite
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Circular Driveway, Driveway, Garage Door Opener, Golf Cart Parking, Ground Level, Guest, Off Street, Oversized, 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, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Balcony, Hurricane Shutters, Lighting, Outdoor Shower, Private Entrance, Private Mailbox, Private Yard, Rain Gutters, Storage
- Construction materials
- Frame
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Fire Hydrant, Phone Available, Public, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 20x28 |
| Kitchen | First | 23x13 |
| Primary Bedroom | First | 15x18 |
| Bedroom 1 | First | 15x12 |
| Bedroom 2 | Second | 12x17 |
| Bedroom 3 | Second | 13x12 |
| Office | First | 14x11 |
Listing Details
- Listing date
- 2026-08-15
- On market date
- 2026-08-15
- Original list price
- $790,000
- Occupant type
- Owner
- MLS area
- 34684 - Palm Harbor
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-08-15
- Tax legal description
- LAKE TARPON ESTATES LOT 26 & E 40FT OF LOT 25
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
US 19 to Lake Tarpon Drive, North Canal Drive
More homes like this
$475,000
3141 N Canal Dr
Palm Harbor, FL 34684
3 bd · 3 ba · 1,729 sqft
Lake Tarpon Estates
MLS ID #TB8518778, LPT REALTY LLC.
Listing provided by Stellar MLS
$500,000
3149 N Canal Dr
Palm Harbor, FL 34684
4 bd · 2 ba · 1,816 sqft
Lake Tarpon Estates
MLS ID #TB8481430, AVENUE HOMES LLC.
Listing provided by Stellar MLS
$865,000
531 Walker Rd
Safety Harbor, FL 34695
4 bd · 2 ba · 2,287 sqft
Bridgeport Estates
MLS ID #TB8548099, HOOVER REAL ESTATE SERVICES.
Listing provided by Stellar MLS
$849,999
4084 Ligustrum Dr
Palm Harbor, FL 34685
4 bd · 4 ba · 3,003 sqft
Lynnwood Ph 1
MLS ID #TB8526056, COLDWELL BANKER REALTY.
Listing provided by Stellar MLS
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 September 15, 2026 at 7:07 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.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA