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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

3157 N CANAL DRIVE

PALM HARBOR, FL, 34684

Active

$1,825,000

3157 N CANAL DRIVE

PALM HARBOR, FL, 34684

Active

$1,825,000

5

Bedrooms

4

Bathrooms

4,496 sqft

Living Area

1988

Year Built

$1,825,000Tour 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.

6,556

Lot Size (sqft)

32

Days on Market

Dock Score™

DockOnly
32
Fair

What shaped this score

✓Dock present
✓Bridge-free to bay & ocean
✓Canal
·~50 min run to open water · 5.2 mi

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

Dock & Water AccessMLS

Canal - Brackish

AI Aerial Imagery Detection

Dock DetectedSeawall DetectedDavits 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.

Navigation RouteDockOnly

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

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 PREMIER COMMUNITY REALTY INC via Stellar MLS

Last updated: 6/26/2026

© 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.

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
32
Fair

What shaped this score

✓Dock present
✓Bridge-free to bay & ocean
✓Canal
·~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%

$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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Estimated payments only. Actual rates and terms may vary.

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