3140 N CANAL DRIVE Palm Harbor, FL $ 795,000
3140 N CANAL DRIVE
$ 795,000
Open House 2/22 11:30am - 3pm
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3140 N CANAL DRIVE

Palm Harbor, FL, 34684
$ 795,000
Bedrooms3 Baths3.1 Sq 2,059

Monthly Estimate*

$ 4,895

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Single Family Home for sale in Palm Harbor, FL

for $795,000 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.

No Flood Insurance Required. Lakefront living. NO HOA. No rules. No restrictions. Updated 3-bedroom, 3.5-bath waterfront home (with a versatile mother-in-law suite, office, den) sits directly on a peaceful canal leading to one of Florida’s premier freshwater lakes. New roof (2025), new dock and seawall (2023), upgraded AC, and an expanded electrical panel ready for EV chargers. Inside, the open-concept kitchen is a showstopper, with custom cabinets, premium counters, and high-end appliances that flow effortlessly into the main dining and living room areas. Upstairs, the owners’ suite features a walk-in custom closet 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 extra storage space. The mother-in-law suite downstairs has its own entrance, full bath, and laundry hook-up—perfect for guests, a home office, den, or possibly rental income. Plenty of space for boats, kayaks, skis and RVs. Nearby John Chesnut and Anderson Parks have 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. Just pure Florida lake life—freedom, fun, and relaxation all in one. 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. Seller will consider crypto currency offers.

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Open House

2/22/2026 11:30 AM - 3:00 PM
11:30 AM - 3:00 PM
3140 N CANAL DRIVE Palm Harbor, FL
* Some states or local ordinances may prohibit Open Houses at this time, please confirm with your Weichert agent or local rep to confirm

Single Family Active

Price

$ 795,000

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
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 false
Property Type Residential
Attached Garage true
Energy Efficient Appliances Windows
Subdivision Name LAKE TARPON ESTATES
Facing Direction North
Garage Y/N true
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 false
MLS Area 34684 - Palm Harbor
Lot Size Units Square Feet
Lot Size Square Feet 6586
Carport Y/N false
Listing Terms Cash Conventional FHA Other VA Loan
Elementary School Highland Lakes Elementary-PN
Property Attached Y/N false
Land Lease Y/N false
Tax Annual Amount 170
Middle/Junior High School Carwise Middle-PN
Property Condition Completed
Additional Parcels Y/N false
Lease Considered Y/N true
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 true
Additional Rooms Bonus Room Den/Library/Office Garage Apartment Interior In-Law Suite w/Private Entry
Water View Y/N true
Flood Zone Code X500
DockY/N true
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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 true
Heating Y/N true
Window Features ENERGY STAR Qualified Windows Storm Window(s)
Fireplace Y/N true
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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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 false
Building Area Total 2059
Lot Size Acres 0.15
Road Surface Type Paved
Private Pool false
Waterfront Y/N true
Covered Spaces 2
Road Frontage Type Street Paved
Number of Lots 1
Road Responsibility Public Maintained Road
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* Excluded Features
List By
A Better Life Realty

Broker

morgan@abetterliferealty.com

Email

Affordability Calculator

$4,909
Per Month
100%
0%
0%
Monthly Principal & Interest
$4,895
Monthly Property Taxes
$14
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% 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
0 Elementary School
0 Middle School
Palm Harbor Univ High-PN High School High School
Pricing History
DatePricePrice ChangeDescription
1/27/2026$795,000 -9.14% Price Down
1/2/2026$875,000 -1.13% Price Down
12/19/2025$885,000 Listed Price

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3140 N CANAL DRIVE, Palm Harbor, FL, 34684 is a Single Family Home for sale at $795,000 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