Single Family Residence at 3157 N CANAL DR, PALM HARBOR
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$1,750,000

3157 N CANAL DR
PALM HARBOR, FL 34684
Bedrooms
5
Bathrooms
3.5
Living area
4,496 sqft
Year built
1988

About this home

Discover this beautifully updated “Lake Tarpon Luxury Waterfront Home.” Canal home offering direct access to Lake Tarpon and an exceptional blend of luxury, functionality, and long-term durability. This spacious 5-bedroom, 3.5-bath, 4,496 sq ft residence features a rare first-floor mother-in-law suite with a private close-off pocket door option, ideal for guests, multigenerational living, or extended stays. A standout feature is the oversized 3-car garage, complete with a built-in 10×10 storage room and extensive built-in shelving, providing unmatched storage and organization. The home has undergone major capital improvements in recent years, making it truly move-in ready. A new roof was installed in April 2021, followed by three new HVAC systems replaced in May 2023 for optimal comfort and efficiency. In October 2019, the entire exterior was upgraded with Hardie-Board color plus siding installed over full house wrap, eliminating the need for ongoing painting and offering superior moisture and pest resistance. That same year, all windows and pool-deck sliding doors were replaced (October 2019), enhancing hurricane resilience, energy efficiency, and insurance savings. Outdoor living shines with a large screened pool enclosure and a fully refurbished private dock completed in September 2023, featuring davits, covered lifts, and direct canal access for boating enthusiasts. Inside, the home boasts two full kitchens, two laundry rooms, a dramatic three-story foyer, and premium finishes throughout. For buyers seeking a turn-key experience, the property can be purchased fully furnished, offering a seamless transition into one of Palm Harbor’s most desirable waterfront lifestyles. NOTE- NO HOA FEES, NO DEED RESTRICTIONS, NO FLOOD INSURANCE- SEE LOMA ATTACHED. “Includes full 360° virtual tour and walkable video for remote buyers.” SEE ATTACHMENTS AND VIDEO TOUR LINKS- INCLUDES FLOOR PLAN LAYOUT INTERFACE WITH 360 VIDEO WALK THRU

Highlights

WaterfrontPrivate poolFireplace

Property details

MLS #
MFRTB8553882
Property type
Single Family Residence
Subdivision
LAKE TARPON ESTATES
Status
Active
Days on market
N/A
On market date
October 1, 2026
Stories
N/A
Total bathrooms
3.5
Garage spaces
3
Parking spaces
N/A
Lot size
0.15 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
SUTHERLAND ELEMENTARY SCHOOL
1.32 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
598
Student:teacher ratio
14.6:1
District
PINELLAS
Middle
JOSEPH L. CARWISE MIDDLE SCHOOL
0.73 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,155
Student:teacher ratio
18.0:1
District
PINELLAS
HighCharter
ST. PETERSBURG COLLEGIATE HIGH SCHOOL NORTH PINELLAS
1.98 mi away · Grades 10-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
209
Student:teacher ratio
41.8:1
District
PINELLAS

Walkability

Blended score for PALM HARBOR's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

61
Walkable
out of 100
EPA National Walkability Index
9.0 / 20 -- Below average walkable
Google Places amenity density
85 / 100
Restaurants & cafes20
Grocery stores2
Parks2
Schools3
Transit stops15
Pharmacies8

Market position

How this listing compares to current activity in PALM HARBOR, from live MLS data.

On the market 0 days -- 101 fewer days than PALM HARBOR's current average of 101 days.
For reference, the median list price across 717 active listings in PALM HARBOR right now is $300,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$10,689/mo
$350,000 down
$1,400,000 loan
Principal & interest$9,080
Property tax (est.)$1,458
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 15 hr ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.