Single Family Residence at 3131 N CANAL DR, PALM HARBOR
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 2 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 3 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 4 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 5 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 6 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 7 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 8 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 9 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 10 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 11 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 12 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 13 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 14 of 64
French Doors to screened patio and pool - 3131 N CANAL DR, PALM HARBOR
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 16 of 64
Large Primary Bedroom - 3131 N CANAL DR, PALM HARBOR
Large Primary Bedroom - 3131 N CANAL DR, PALM HARBOR
Large closet and dressing area entering into the primary bathroom - 3131 N CANAL DR, PALM HARBOR
Double sinks - 3131 N CANAL DR, PALM HARBOR
Office or 5th bedroom - 3131 N CANAL DR, PALM HARBOR
Office or 5th bedroom - 3131 N CANAL DR, PALM HARBOR
Jacuzzi tub - 3131 N CANAL DR, PALM HARBOR
Second floor has 2 bedrooms, living room and full bathroom - 3131 N CANAL DR, PALM HARBOR
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 25 of 64
Second floor living room - 3131 N CANAL DR, PALM HARBOR
Second floor living room - 3131 N CANAL DR, PALM HARBOR
Second floor bedroom - 3131 N CANAL DR, PALM HARBOR
Second floor bedroom - 3131 N CANAL DR, PALM HARBOR
Second floor full bathroom - 3131 N CANAL DR, PALM HARBOR
Updated shower - 3131 N CANAL DR, PALM HARBOR
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 32 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 33 of 64
Sliders from the second floor screened patio - 3131 N CANAL DR, PALM HARBOR
Second floor screened patio and stairs to the pool area - 3131 N CANAL DR, PALM HARBOR
Inlaw bedroom on first floor - 3131 N CANAL DR, PALM HARBOR
Inlaw bedroom with large closet and window to screened pool area - 3131 N CANAL DR, PALM HARBOR
Inlaw full bathroom - 3131 N CANAL DR, PALM HARBOR
Inlaw dining/living area - 3131 N CANAL DR, PALM HARBOR
Inlaw dining/living area - 3131 N CANAL DR, PALM HARBOR
Inlaw kitchen - 3131 N CANAL DR, PALM HARBOR
Inlaw kitchen/dining - 3131 N CANAL DR, PALM HARBOR
Outdoor space - 3131 N CANAL DR, PALM HARBOR
Covered/Screened patio - 3131 N CANAL DR, PALM HARBOR
Covered/Screened patio - 3131 N CANAL DR, PALM HARBOR
French doors to the living room and Primary bedroom - 3131 N CANAL DR, PALM HARBOR
Covered/Screened patio - 3131 N CANAL DR, PALM HARBOR
Large two car garage and newer door opener opener - 3131 N CANAL DR, PALM HARBOR
Heated pool and auto sweeper, two story screen - 3131 N CANAL DR, PALM HARBOR
Large two story screened patio - 3131 N CANAL DR, PALM HARBOR
Back yard - 3131 N CANAL DR, PALM HARBOR
HUGE 100' deck - 3131 N CANAL DR, PALM HARBOR
Boat lift and canal to Tarpon Lake - 3131 N CANAL DR, PALM HARBOR
Back deck - 3131 N CANAL DR, PALM HARBOR
Back deck - 3131 N CANAL DR, PALM HARBOR
Boat lift - 3131 N CANAL DR, PALM HARBOR
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 57 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 58 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 59 of 64
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 60 of 64
First Floor - 3131 N CANAL DR, PALM HARBOR
Second Floor - 3131 N CANAL DR, PALM HARBOR
Combined - 3131 N CANAL DR, PALM HARBOR
Single Family Residence at 3131 N CANAL DR, PALM HARBOR, photo 64 of 64
64 photos

$780,000

3131 N CANAL DR
PALM HARBOR, FL 34684
Listed by Chris Sauger · CHARLES RUTENBERG REALTY INC
Bedrooms
4
Bathrooms
4
Living area
3,354 sqft
Year built
1973

About this home

WATERFRONT LIVING ON LAKE TARPON WITH NO HOA! Discover the possibilities in this spacious 3,354-square-foot heated saltwater pool home, ideally situated on a quarter-acre lot in desirable Lake Tarpon Estates. With approximately 100 feet of freshwater canal frontage, direct boating access to Lake Tarpon, and a covered 10,000-pound boat lift accommodating a boat up to approximately 28 feet, this property is designed for those who want to enjoy the Florida waterfront lifestyle. The flexible split-bedroom floor plan offers excellent options for multigenerational living, extended family, guests, or a private home office/retreat. The first-floor in-law suite features its own bedroom, full bathroom, kitchen area, and private entrance, creating a comfortable and living space. Upstairs are two additional bedrooms, an updated full bathroom, a second living area, and a screened balcony with stairs leading directly to the pool and outdoor living area. Outdoor living is a true highlight, with more than 1,700 square feet of screened space surrounding the heated saltwater pool and overlooking the tranquil canal. There is plenty of room to entertain, relax poolside, enjoy morning coffee, or take in beautiful Florida sunsets. The waterfront setting provides convenient access to boating, fishing, kayaking, and other water activities, with Lake Tarpon just minutes away by boat. Recent updates include a roof approximately 4 years old, new flooring, updated bathrooms, a Jacuzzi tub, new water heater, new washing machine, new garage door opener, and recently serviced dual central A/C systems. With no HOA, there is flexibility to bring your boat, RV, and water toys. Whether you're looking for a full-time residence, multigenerational home, inlaw apartment, Airbnb, VRBO or private waterfront retreat, this Lake Tarpon Estates property offers space, versatility, and direct access to one of Pinellas County's premier freshwater lakes.

Highlights

WaterfrontPrivate poolFireplace

Property details

MLS #
MFRTB8538140
Property type
Single Family Residence
Subdivision
LAKE TARPON ESTATES
Status
Active
Days on market
43
On market date
August 15, 2026
Stories
N/A
Total bathrooms
4
Garage spaces
2
Parking spaces
N/A
Lot size
0.25 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
1.26 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
0.72 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
1.94 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 43 days -- 57 fewer days than PALM HARBOR's current average of 100 days.
For reference, the median list price across 724 active listings in PALM HARBOR right now is $309,950.

Mortgage calculator

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

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Est. monthly payment
$4,847/mo
$156,000 down
$624,000 loan
Principal & interest$4,047
Property tax (est.)$650
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 7 days 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.