3141 N CANAL DRIVE, Palm Harbor, FL, 34684 | $525,000

Virtually Staged. Welcome to your own slice of waterfront paradise on Lake Tarpon! This canal-front property offers the perfect combination of boating, recreation, and Florida living, with direct access to one of Tampa Bay's most sought-after waterfront destinations.
Located just minutes from beautiful Lake Tarpon, this waterfront home is ideal for boating enthusiasts, anglers, and anyone who loves an active outdoor lifestyle. Enjoy easy access to boating, water skiing, wakeboarding, tubing, fishing, and sunset cruises right from your backyard. The property features a private boat dock, making it easy to get out on the water whenever the mood strikes.
Major updates include a NEW ROOF (2024). Outside, you'll find a large screened enclosure, complete with a caged lap pool and spillover spa, creating the perfect setting for entertaining, relaxing, or enjoying the Florida sunshine year-round.
The flexible floor plan offers excellent options for today's lifestyle needs. A spacious downstairs bonus room with a private bath is ideal for a home office, media room, game room, guest suite, or multigenerational living arrangement.
Upstairs, the main living area is filled with natural light and architectural charm. The expansive great room features vaulted ceilings, skylights, and a fireplace, creating a warm and inviting gathering space. Step onto the second-floor balcony and enjoy tranquil water views. The main living area offers three bedrooms and two baths, including a private primary suite with an en-suite bath and jetted tub.
Whether you're looking for a waterfront pool home, a canal-front property with boat access, a home with direct lake access, or a place to enjoy the ultimate Tampa Bay boating community lifestyle, this property delivers. Conveniently located near Gulf beaches, shopping, dining, entertainment, top-rated amenities, and Tampa International Airport, you'll enjoy the perfect balance of waterfront living and everyday convenience.
Bring your boat, your fishing gear, and your sense of adventure—this Lake Tarpon waterfront home is ready for you to start making memories.

Features

  • Rooms: 4
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Laundry Room
  • Style: Contemporary, Elevated
  • Year Built: 1984
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,729
  • Acreage: 0.15
  • Est. Taxes: $8,448
  • Lot Desc: In County
  • View: Water
  • Water Front: Yes
  • Pool: Gunite, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Range, Refrigerator
  • MLS#: TB8518778
  • Days on Market: 16 days
  • Website: https://www.raveis.com
    /prop/TB8518778/3141ncanaldrive_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 7/23/2026 5:41:00 AM)
Listing courtesy of LPT REALTY LLC   Phone: 813-359-8990

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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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3141 N CANAL DRIVE, Palm Harbor, FL, 34684

$525,000

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 $420,000 $420,000 $420,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.375% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.524% 6.776% 6.078%
Monthly Tax Payment $704 $704 $704
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,620 $2,689 $3,516
Total Monthly Payment $3,416 $3,485 $4,312

* 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.