3140 N CANAL DRIVE Palm Harbor, FL $ 885,000
3140 N CANAL DRIVE
$ 885,000
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3140 N CANAL DRIVE

Palm Harbor, FL, 34684
$ 885,000
Bedrooms3 Baths3.1 Sq 2,059

Monthly Estimate*

$ 5,521

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Single Family Home for sale in Palm Harbor, FL

for $885,000 with 3 bedrooms and 3 full baths, 1 half bath. This 2,059 square foot home was built in 1983 on a lot size of 0.15.

LAKEFRONT LIVING. NO HOA. No rules. No restrictions. Just the freedom to live and relax on your own terms. Welcome to your private slice of Lake Tarpon paradise! This beautifully reimagined 3-bedroom, 3.5-bath waterfront home (with a versatile mother-in-law suite) sits directly on a peaceful canal leading to one of Florida’s premier freshwater lakes. Imagine being able to step out your back door and spend your mornings boating, fishing, or kayaking right from your own dock, and your evenings spent unwinding or entertaining on the expansive wraparound decks under the stars with lake breezes. You’ll love watching bald eagles, egrets, and otters drift by—nature’s way of reminding you that life here moves at a calmer, happier pace. Grilled dinners and fresh lake breezes at sunset are subtle affirmations for those who value serenity and smart investments. This home has been meticulously updated inside and out. Every major system is new or updated, so you can spend less time worrying and more time enjoying the lake. New roof (2025), new dock and seawall (2023), upgraded AC, and an expanded electrical panel ready for future EV charging. Inside, the open-concept kitchen is a showstopper, with new custom cabinetry, premium counters, and high-end appliances that flow effortlessly into the dining and living areas, complete with warm wood floors and a cozy working fireplace. Upstairs, the owners’ suite feels like a private retreat, featuring a massive walk-in closet with custom built-ins 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 storage for added convenience. The mother-in-law suite downstairs has its own entrance, full bath, and laundry hook-up—perfect for guests, a home office, or rental income. Nearby John Chesnut and Anderson Parks, both offer 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. No flood insurance required. Just pure Florida lake life—freedom, fun, and relaxation all in one. Plenty of space for boats, skis and RVs. 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. Owner open to accepting offers involving crypto currency as payment.

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Single Family Active

Price

$ 885,000

Bedrooms

3

Full Bath

3

Half Bath

1

Property Type

Single Family

Taxes

$ 170

Style

Single Family Residence

Lot Size

0.15

Year Built

1983

Town/City

Palm Harbor

County/Region

Pinellas

MLS | Web ID

TB8441633

Features
Interior
Interior Amenities cathedral ceiling(s) ceiling fan(s) eating space in kitchen kitchen/family room combo open floorplan primarybedroom upstairs solid surface counters stone counters
Flooring carpet hardwood
Furnished Y/N unfurnished
Fireplace Features living room
Total Stories 3
Air Conditioning Y/N yes
Heating Y/N yes
Window Features energy star qualified windows storm window(s)
Fireplace Y/N yes
Half Baths 1
Laundry Features electric dryer hookup in garage laundry room upper level washer hookup
Total Bedrooms 3
Total Baths 4
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General
Sewer public sewer
Heating central
Cooling central air
Utilities cable connected electricity connected propane sewer connected sprinkler well underground utilities water connected
Possession close of escrow
Roof shingle
Appliances dishwasher disposal dryer electric water heater microwave range range hood refrigerator water softener
Zoning r-3
Garage Spaces 2
Construction Materials vinyl siding wood frame
Year Built 1983
View water
Levels three or more
Property Subtype single family residence
Tax Year 2024
Ownership fee simple
Waterfront Features canal - freshwater
County pinellas
New Construction no
Property Type residential
HOA N
Attached Garage yes
Energy Efficient appliances windows
Subdivision Name lake tarpon estates
Facing Direction north
Garage Y/N yes
Total Rooms 3
Full Baths 3
Status active
Directions us 19n turn left and stay on lake tarpon dr turn left on n canal.
High School palm harbor univ high-pn
City palm harbor
Body of Water lake tarpon
Senior Community Y/N no
MLS Area 34684 - palm harbor
Lot Size Units square feet
Lot Size Square Feet 6586
Carport Y/N no
Listing Terms cash conventional fha other va loan
Elementary School highland lakes elementary-pn
Property Attached Y/N no
Land Lease Y/N no
Tax Annual Amount 170
Middle/Junior High School carwise middle-pn
Property Condition completed
Additional Parcels Y/N no
Lease Considered Y/N yes
Virtual Tour https://www.zillow.com/view-imx/f36f557f-9fc8-42de-9ab1-433de3b14ba3?initialviewtype=pano https://www.zillow.com/view-imx/f36f557f-9fc8-42de-9ab1-433de3b14ba3?initialviewtype=pano
Building Area Units square feet
Living Area Units square feet
Standard Status active
Occupancy Type owner
Tax Lot 44
Legal Description lake tarpon estates lot 44
Water View canal lake
Water Access Type canal - freshwater lake
Minimum Lease no minimum
Water Access Y/N yes
Additional Rooms bonus room den/library/office garage apartment interior in-law suite w/private entry
Water View Y/N yes
Flood Zone Code x500
DockY/N yes
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Exterior
Exterior Amenities awning(s) balcony french doors garden irrigation system
Vegetation mature landscaping trees/landscaped
Fencing vinyl wood
Parking Features bath in garage boat covered garage door opener ground level rv parking
Lot Features in county landscaped
Water Source canal/lake for irrigation
Lot Size Area 6586
Foundation Details slab
Spa no
Building Area Total 2059
Lot Size Acres 0.15
Road Surface Type paved
Private Pool no
Waterfront Y/N yes
Covered Spaces 2
Road Frontage Type street paved
Number of Lots 1
Road Responsibility public maintained road
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Internal Only
Street Number 1 3140
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* Excluded Features
List By
A Better Life Realty

Broker

morgan@abetterliferealty.com

Email

Affordability Calculator

$5,535
Per Month
100%
0%
0%
Monthly Principal & Interest
$5,521
Monthly Property Taxes
$14
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
3325899 Elementary School
3325212 Middle School
Palm Harbor Univ High-PN High School
Pricing History
DatePricePrice ChangeDescription
12/4/2025$885,000 -0.56% Price Down
11/11/2025$890,000 -1.11% Price Down
10/31/2025$900,000 Listed Price

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3140 N CANAL DRIVE, Palm Harbor, FL, 34684 is a Single Family Home for sale at $885,000 with 2,059 sqft and a lot size of 0.15. 3140 N CANAL DRIVE has 3 bedrooms, 3.1 baths, and was built in 1983. The property's zip code is 34684 which is in Palm Harbor, FL