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Overview

4 bd4 ba3,354 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1973
Lot10,929 sqft
Living area3,354 sqft
Price / sqft$233
Garage2 car

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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 $780,000 (about $233/sqft), 56 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

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.

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The essentials

Built
1973
Price / sqft
$233
On market
56 days
Annual tax
$6,364
Flood zone
AE
Lot
10,929 sqft
Type
Single Family Residence

At a glance

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

Payment

Est. monthly payment
$4,988/mo
Down payment (20%)
$156,000
Property taxes
$530/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

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, Gunite, Heated, In Ground, Lighting, Pool Sweep, Salt Water, Screen Enclosure
Waterfront
Canal Front
Days on Market
56
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
Bar Fridge
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Washer
Wine Refrigerator
Homestead exemption on file Flood 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
LandscapedLevelOversized LotStreet Dead-EndPaved

Price history

Date
Event
Price
9/15/2026
Price change
Source: Stellar MLS #TB8538140
$780,000-1.3%
$233/sqft
8/15/2026
Listed for sale
Source: Stellar MLS #TB8538140
$790,000
$236/sqft

Neighborhood

3131 N Canal Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $780,000
$770,000 – $780,000
98.4% – 100% of listTops out right at the list price
80% of listList price
70 of the last 139 home closings in 34684 landed at this number or higher (50%). The median one sat 19 days before it went under contract, and this one is on day 56 after a $10,000 cut.

Sample: 139 closed home sales in 34684 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,988/mo
Principal & interest$4,068
Property taxes$530
Insurance$390
Down payment20% · $156,000
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.

Quick answers.

Price

$780,000

$233 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,354 sq ft

Time on market

56 days

Year built

1973

Monthly payment

About $4,988/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,364 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

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Brokered byCHARLES RUTENBERG REALTY INCListing agent: Chris SaugerListing data from Stellar MLS, MLS# TB8538140.

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