3100 N CANAL DRIVE, Palm Harbor, FL, 34684 | $2,800

Welcome to waterfront living in Lake Tarpon Estates! Nestled on a serene canal just moments from Lake Tarpon, 3100 N Canal Drive offers a rare opportunity to embrace Florida’s lake lifestyle with direct water access. This charming home is a relaxing retreat with picturesque views, and plenty of space for boating, fishing, or simply unwinding by the water. Step inside to discover a bright, open layout that seamlessly blends living and dining areas, perfectly designed for entertaining or casual living. Large windows frame the canal views, filling the home with natural light and a calming ambiance. NEW PAINT AND NEW ROOF. This property boasts 4 bedrooms and 2 bathrooms, offering a versatile floor plan suited for families, guests, or a home office. The primary bedroom has a large walk-in closet and private bath. Additional bedrooms are well-sized and there is alot of storage and a laundry room. Outside, the waterfront lifestyle takes center stage: access to the canal, which flows directly to Lake Tarpon. The backyard provides a a patio and storage shed. Situated on a generous 0. 24-acre lot located is a quiet neighborhood with no HOA restrictions, making it ideal for part-time residents, full-time homeowners, or as a potential investment. Additional Highlights: Corner lot with approximately 90 ft of canal frontage, direct canal-to-lake access, private yard with mature tropical landscaping, parking for boat or RV, close proximity to downtown Palm Harbor, shopping, dining, and recreation, easy access to Tampa International Airport and major roadways. With its prime location, peaceful setting, and direct access to Lake Tarpon. Lake Tarpon is a freshwater lake and it is the largest freshwater lake in the county, 2, 534 acres, watershed spans 52 square miles and is considered one of the top bass lakes in Florida, with a healthy population and size structure. Anglers can also find panfish, such as bluegill and redear sunfish.

Features

  • Type: Single Family Residence
  • Rooms: 4
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Laundry Closet
  • Year Built: 1973
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,968
  • Acreage: 0.24
  • Lot Desc: Corner Lot, Landscaped, Oversized Lot
  • View: Water
  • Pet Policy: No
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8450456
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8450456/3100ncanaldrive_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 1/7/2026 12:18:42 AM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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3100 N CANAL DRIVE, Palm Harbor, FL, 34684

$2,800

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $2,240 $2,240 $2,240
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.292% 5.609%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $13 $14 $18
Total Monthly Payment $88 $89 $93

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.