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NEW PRICE IMPROVEMENT! Discover a private waterfront retreat tucked along the serene canals of Palm Harbor, just minutes from the open waters of Lake Tarpon. This beautifully maintained 2-bedroom, 2-bath home blends timeless Old Florida character with thoughtful modern updates, creating a warm and inviting atmosphere from the moment you arrive. Lush tropical landscaping, natural wood accents, and peaceful water views give the property a relaxed coastal retreat feel rarely found at this price point. Inside, the spacious living area is filled with charm, featuring exposed wood-beam ceilings and an inviting cottage-inspired aesthetic. The enclosed Florida room offers a cozy year-round escape with tranquil canal views and a wood-burning fireplace with propane connection available. The updated kitchen combines style and functionality with stone countertops, stainless-steel appliances, and ample workspace, while the remodeled secondary bath adds a fresh modern touch. A dedicated office with built-in shelving and a separate indoor laundry room with patio access provide added flexibility and convenience. Step outside and experience the true highlight of the home—an expansive covered waterfront patio designed for relaxing, entertaining, and embracing the Florida lifestyle. Boating enthusiasts will love the private dock featuring a 10, 000-pound boat lift, covered slip, and quick access to Lake Tarpon. Above the boathouse, a spacious rooftop deck creates the perfect setting for sunset gatherings, outdoor dining, or simply enjoying the peaceful canal views. Major recent improvements including a new roof (2025) and newer A/C (2023) offer peace of mind. Whether you're searching for a full-time waterfront residence, weekend getaway, or unique Florida retreat, this canal-front property delivers privacy, character, and an exceptional boating lifestyle in one of Palm Harbor’s most desirable waterfront settings.
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Our Executive Mortgage Banker:
Our Insurance Division:
$390,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $312,000 | $312,000 | $312,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.500% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.375% | 6.638% | 5.972% |
| Monthly Tax Payment | $123 | $123 | $123 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,921 | $1,972 | $2,591 |
| Total Monthly Payment | $2,119 | $2,170 | $2,789 |
* 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.