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3157 N CANAL DRIVE

Palm Harbor, FL, 34684

Active

$1,825,000

5

Bedrooms

4

Bathrooms

4,496 sqft

Living Area

1988

Year Built

6,556

Lot Size (sqft)

32

Days on Market

Dock & Water AccessMLS

Canal - Brackish

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

Description

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

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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 PREMIER COMMUNITY REALTY INC via Stellar MLS

Last checked: July 27, 2026

Listing updated: June 26, 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.

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FEMA Flood Zone X

Minimal Flood Hazard

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20%

$365,000 down

%
Principal & Interest$9,470/mo
Property Tax (est. ~1.2%, varies by county)$1,825/mo
Home Insurance (est.)$250/mo
Total Monthly Payment$11,545
Loan Amount: $1,460,000Rate: 6.75%
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$1,825,000Tour the dockSchedule a Showing