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3131 N Canal Dr, Palm Harbor, FL, 34684

$236/sqft·Lake Tarpon Estates

4 bd4 ba3,354 sqft2 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8538140

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Est. monthly payment
$5,045/mo
Down payment (20%)
$158,000
Property taxes
$530/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1973
Waterfront
Canal Front
Private pool
Heated
2 car garage
Circular Driveway
0.25 acres
Lot size

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Wood Cabinets

3131 N Canal Dr is a 1973-built home in Lake Tarpon Estates, Palm Harbor. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,354 square feet of living space. Listed at $790,000 (about $236/sqft), 24 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

WELCOME TO YOUR ULTIMATE LAKE TARPON RETREAT! Tucked away on a quarter-acre lot in desirable Lake Tarpon Estates, this exceptional 3,354-square-foot heated saltwater pool home offers the perfect combination of spacious living, privacy, and waterfront lifestyle. With approximately 100 feet of freshwater canal frontage, direct access to Lake Tarpon, and a covered 10,000-pound boat lift, you can be out on the open lake in minutes. The flexible split-bedroom floor plan features a private first-floor in-law suite with its own bedroom, full bathroom, kitchen area, and private entrance -ideal for guests, extended family, multigenerational living, or a private retreat. Upstairs, you'll find two additional bedrooms, an updated full bathroom, a second living area, and a screened balcony with stairs leading directly to the pool. Outdoor living is exceptional, with more than 1,700 square feet of screened outdoor living space surrounding the heated pool and overlooking the peaceful waterfront. Whether you're entertaining, relaxing poolside, enjoying morning coffee, or watching spectacular Florida sunsets, this home was designed to embrace the waterfront lifestyle. The covered boat lift accommodates a boat up to approximately 28 feet and 10,000 pounds, providing convenient access to Lake Tarpon for boating, fishing, and water recreation. Recent updates provide added peace of mind, including a roof approximately 4 years old, new flooring, updated bathrooms, Jacuzzi tub, new water heater, new washing machine, new garage door opener, and recently serviced dual central A/C systems. Best of all, there is NO HOA! Bring your boat, RV, and water toys and start enjoying the Palm Harbor waterfront lifestyle today.

The essentials

Built
1973
Price / sqft
$236
On market
27 days
Annual tax
$6,364
Flood zone
AE
Lot
10,929 sqft
Type
Single Family Residence

Location

3131 N Canal Dr
Palm Harbor, FL, 34684·34684 - Palm Harbor
Type
Single Family Residence
Year Built
1973
Lot
10,929 sqft
Cooling
Central Air
Heating
Central
Parking
Circular Driveway, Driveway, Garage Door Opener, Golf Cart Parking, Ground Level, Guest, Off Street, Oversized, RV Access/Parking
Pool
Auto Cleaner, Heated, In Ground, Lighting, Pool Sweep, Salt Water, Screen Enclosure
Waterfront
Canal Front
Days on Market
27
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
Balcony
Hurricane Shutters
Lighting
Outdoor Shower
Private Entrance
Private Mailbox
Private Yard
Rain Gutters
Storage
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Washer
Wine Refrigerator
Homestead exemption on fileFlood Zone AE

Annual Tax (2025)

$6,364

Parcel #

32-27-16-48780-000-0260

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Lake Tarpon Estates

County

Pinellas

MLS Area

34684 - Palm Harbor

Lot Size

10,929 sqft

Date
Event
Price
8/15/2026
Listed for sale
Source: Stellar MLS #TB8538140
$790,000+62.9%
$236/sqft
4/1/2019
Sold
Source: Pinellas County Public Record
$485,000
$145/sqft
Est. monthly payment$5,045/mo
Principal & interest$4,120
Property taxes$530
Insurance$395
Down payment20% · $158,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

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List price: $790,000
$780,000 – $790,000
98.5% – 100% of listTops out right at the list price
80% of listList price
55 of the last 109 home closings in 34684 landed at this number or higher (50%). The median one sat 15 days before it went under contract, and this one is on day 27.

Sample: 109 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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