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Overview

5 bd4 ba4,496 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built1988
Lot6,556 sqft
Living area4,496 sqft
Price / sqft$389
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Chair RailCrown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboL Dining

3157 N Canal Dr is a 1988-built home in Lake Tarpon Estates, Palm Harbor. Inside you'll find 5 bedrooms, 4 bathrooms, and 4,496 square feet of living space. Listed at $1,750,000 (about $389/sqft), 10 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Discover this beautifully updated “Lake Tarpon Luxury Waterfront Home.” 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

The essentials

Built
1988
Price / sqft
$389
On market
10 days
Annual tax
$7,913
Flood zone
X* · Low risk
Lot
6,556 sqft
Type
Single Family Residence

At a glance

Single family
3 stories · 1988
Waterfront
Canal - Brackish
Private pool
Heated
3 car garage
6,556 sqft lot
Lot size

Payment

Est. monthly payment
$10,661/mo
Down payment (20%)
$350,000
Property taxes
$659/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1988
Lot
6,556 sqft
Cooling
Central Air
Heating
Central, Heat Pump
Parking
-
Pool
Gunite, Heated, In Ground, Lighting, Pool Alarm, Salt Water, Screen Enclosure
Waterfront
Canal - Brackish
Days on Market
10
Cathedral Ceiling(s)
Ceiling Fans(s)
Chair Rail
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
L Dining
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Wet Bar
Window Treatments
Balcony
Private Entrance
Private Mailbox
Private Yard
Rain Gutters
Shade Shutter(s)
Storage
Street Lights
Bar Fridge
Built-in Oven
Convection Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range Hood
Refrigerator
Water Softener
Wine Refrigerator
Homestead exemption on file Flood Zone X*
Annual Tax (2025)
$7,913
Parcel #
32-27-16-48780-000-0310

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
6,556 sqft

Price history

Date
Event
Price
9/30/2026
Listed for sale
Source: Stellar MLS #TB8553882
$1,750,000
$389/sqft

Neighborhood

3157 N Canal Dr
Palm Harbor, FL, 34684 · 34684 - Palm Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $1,750,000
$1.72M – $1.75M
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 10.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$10,661/mo
Principal & interest$9,127
Property taxes$659
Insurance$875
Down payment20% · $350,000
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

$1,750,000

$389 per sq ft

Beds and baths

5 beds, 4 baths

Size

4,496 sq ft

Time on market

10 days

Year built

1988

Monthly payment

About $10,661/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,913 annual tax bill, insurance.

Flood zone

Zone X*

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

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Brokered byPREMIER COMMUNITY REALTY INCListing agent: Brett SchroderListing data from Stellar MLS, MLS# TB8553882.

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