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3131 N CANAL DRIVE

Palm Harbor, FL, 34684

Active

$770,000

4

Bedrooms

4

Bathrooms

3,354 sqft

Living Area

1973

Year Built

10,929

Lot Size (sqft)

63

Days on Market

Dock Score™

DockOnly
76
Good

What shaped this score

✓Gulf Access (nav-verified)
✓Dock with boat lift
✓Fits boats up to ~95ft (est.)
·~50 min run to open water · 5.2 mi
Est. waterfront~100 ft

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Canal Front📝 10K-lb boat lift

AI Aerial Imagery Detection

Dock DetectedBoat Lift DetectedSeawall Detected

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Canal WidthDockOnly

At the dock

County parcel data
80ft
dock80 ft

Single measurement at the dock · width variation along the canal not yet available

Measured perpendicular from this parcel's waterfront edge to the parcel directly across the canal, using surveyed county GIS boundaries.

Will it turn around?

Up to 26 ft

Easy
handling

26–35 ft

Fits
with care

35–41 ft

Tight
(back-in)

Boats over 41 ft typically back in/out rather than turning here. Clear channel ≈ 54 ft with boats moored both sides (~13 ft per side for dock + beam). Wide-beam yachts need the upper end of each range.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

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 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, inlaw apartment, Airbnb, VRBO or private waterfront retreat, this Lake Tarpon Estates property offers space, versatility, and direct access to one of Pinellas County's premier freshwater lakes.

Schedule a Showing

See the property and tour the dock. A licensed waterfront specialist will arrange your private showing.

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Location

Palm Harbor, FL, 34684

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of CHARLES RUTENBERG REALTY INC via Stellar MLS

Last checked: 1 hour ago

Listing updated: October 17, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

FEMA Flood Zone X

Minimal Flood Hazard

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Estimate your monthly payment for this waterfront property

20%

$154,000 down

%
Principal & Interest$3,995/mo
Property Tax (est. ~1.2%, varies by county)$770/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$5,015
Loan Amount: $616,000Rate: 6.75%
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$770,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.