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© 2026 DockOnly™. All rights reserved.

DockOnly™ and Dock Score™ are trademarks of Blue Mar Real Estate Group Inc.

Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker

Blue Mar Real Estate Group Inc.

Licensed Florida Real Estate Broker · DBPR License CQ1018554

4000 Ponce De Leon Blvd, Suite 470, Coral Gables, FL 33146

[email protected]

Listing data is provided by participating Multiple Listing Services and is deemed reliable but not guaranteed. Each listing's MLS source and its required disclosures appear with that listing. Dock Score™ is a DockOnly.com rating and is not provided by or affiliated with any MLS or listing broker. NOAA chart data is public domain and for reference only, not for navigation. Full MLS Compliance

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+20

3140 N CANAL DRIVE

PALM HARBOR, FL, 34684

Active

$750,000

3140 N CANAL DRIVE

PALM HARBOR, FL, 34684

Active

$750,000

3

Bedrooms

4

Bathrooms

2,059 sqft

Living Area

1983

Year Built

$750,000Tour 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.

6,586

Lot Size (sqft)

173

Days on Market

Dock Score™

DockOnly
37
Fair

What shaped this score

✓Dock present
✓Bridge-free to bay & ocean
✓Fits boats up to ~28ft (est.)
·~50 min run to open water · 5.2 mi

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

Dock & Water AccessMLS

Canal - Freshwater

AI Aerial Imagery Detection

Dock DetectedSeawall Detected~24-32 ft dock

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.

Navigation RouteDockOnly

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

Description

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.

Schedule a Showing

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

Select a date

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 A BETTER LIFE REALTY via Stellar MLS

Last updated: 5/7/2026

© 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.

Dock Score™

DockOnly
37
Fair

What shaped this score

✓Dock present
✓Bridge-free to bay & ocean
✓Fits boats up to ~28ft (est.)
·~50 min run to open water · 5.2 mi

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

FEMA Flood Zone X
BFE: -9999ft

Minimal Flood Hazard

View FEMA Flood Map →
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Mortgage Calculator

Estimate your monthly payment for this waterfront property

20%

$150,000 down

%
Principal & Interest$3,892/mo
Property Tax (est. ~1.2%, varies by county)$750/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$4,892
Loan Amount: $600,000Rate: 6.75%
Get Pre-Qualified

Estimated payments only. Actual rates and terms may vary.

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