No Flood Insurance Required. Lakefront living. NO HOA. No rules. No restrictions. Updated 3-bedroom, 3.5-bath waterfront home (with a versatile mother-in-law suite, office, den) sits directly on a peaceful canal leading to one of Florida’s premier freshwater lakes. New roof (2025), new dock and seawall (2023), upgraded AC, and an expanded electrical panel ready for EV chargers. Inside, the open-concept kitchen is a showstopper, with custom cabinets, premium counters, and high-end appliances that flow effortlessly into the main dining and living room areas. Upstairs, the owners’ suite features a walk-in custom closet and a spa-inspired ensuite bath. Two additional guest rooms and an updated bath share this level, along with a full laundry room and loads of extra storage space. The mother-in-law suite downstairs has its own entrance, full bath, and laundry hook-up—perfect for guests, a home office, den, or possibly rental income. Plenty of space for boats, kayaks, skis and RVs. Nearby John Chesnut and Anderson Parks have public boat ramps, nature trails, and picnic areas. Top-rated Pinellas County schools, Honeymoon Island beaches, Downtown Dunedin, Tarpon Springs, and Tampa International Airport are just minutes away. Did we mention, No HOA. No lease restrictions. Just pure Florida lake life—freedom, fun, and relaxation all in one. Homes like this rarely come available on the water and a lifestyle this free is hard to find in Pinellas County—schedule your private showing today and see what lakefront living truly feels like. Seller will consider crypto currency offers.
For sale
Price cut: $20K (3/12)
$770,000
3140 N Canal Dr, Palm Harbor, FL 34684
3beds
2,059sqft
Est.:
Single Family Residence
Built in 1983
6,586 Square Feet Lot
$743,400 Zestimate®
$374/sqft
$-- HOA
What's special
Lakefront livingUpdated bathFull laundry roomWalk-in custom closetWaterfront homePremium countersSpa-inspired ensuite bath
- 49 days |
- 1,107 |
- 56 |
Zillow last checked: 7 hours ago
Listing updated: March 11, 2026 at 05:58pm
Listing Provided by:
Morgan Ellis 727-455-8569,
A BETTER LIFE REALTY 727-521-7378,
Craig Inglis 727-410-8773,
A BETTER LIFE REALTY
Source: Stellar MLS,MLS#: TB8441633
Originating MLS: Suncoast Tampa
Originating MLS: Suncoast Tampa
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Rooms
- Room types: Bonus Room, Den/Library/Office, Garage Apartment
Primary bedroom
- Features: Walk-In Closet(s)
- Level: Third
- Area: 224 Square Feet
- Dimensions: 16x14
Kitchen
- Level: Second
- Area: 130 Square Feet
- Dimensions: 13x10
Living room
- Level: Second
- Area: 285 Square Feet
- Dimensions: 19x15
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Water Softener
- Laundry: Electric Dryer Hookup, In Garage, Laundry Room, Upper Level, Washer Hookup
Features
- Cathedral Ceiling(s), Ceiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Stone Counters, In-Law Floorplan
- Flooring: Carpet, Hardwood
- Doors: French Doors
- Windows: ENERGY STAR Qualified Windows, Storm Window(s)
- Has fireplace: Yes
- Fireplace features: Living Room
Interior area
- Total structure area: 2,059
- Total interior livable area: 2,059 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Bath In Garage, Boat, Covered, Garage Door Opener, Ground Level, RV Access/Parking
- Attached garage spaces: 2
Features
- Levels: Three Or More
- Stories: 3
- Exterior features: Awning(s), Balcony, Garden, Irrigation System
- Fencing: Vinyl,Wood
- Has view: Yes
- View description: Water, Canal, Lake
- Has water view: Yes
- Water view: Water,Canal,Lake
- Waterfront features: Canal - Freshwater, Freshwater Canal Access, Lake Privileges, Seawall
- Body of water: LAKE TARPON
Lot
- Size: 6,586 Square Feet
- Features: In County, Landscaped
- Residential vegetation: Mature Landscaping, Trees/Landscaped
Details
- Parcel number: 322716487800000440
- Zoning: R-3
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Vinyl Siding, Wood Frame
- Foundation: Slab
- Roof: Shingle
Condition
- Completed
- New construction: No
- Year built: 1983
Utilities & green energy
- Sewer: Public Sewer
- Water: Canal/Lake For Irrigation
- Utilities for property: Cable Connected, Electricity Connected, Propane, Sewer Connected, Sprinkler Well, Underground Utilities, Water Connected
Green energy
- Energy efficient items: Appliances, Windows
Community & HOA
Community
- Pet fee: $0 monthly
- Subdivision: LAKE TARPON ESTATES
HOA
- Has HOA: No
Location
- Region: Palm Harbor
Financial & listing details
- Price per square foot: $374/sqft
- Tax assessed value: $492,193
- Annual tax amount: $170
- Date on market: 10/30/2025
- Cumulative days on market: 126 days
- Listing terms: Cash,Conventional,FHA,Other,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Paved
Estimated market value
$743,400
$706,000 - $781,000
$2,907/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/12/2026 | Price change | $770,000-2.5%$374/sqft |
Source:  Stellar MLS #TB8441633 Report a problem | ||
| 2/26/2026 | Price change | $790,000-0.6%$384/sqft |
Source: Stellar MLS #TB8441633 Report a problem | ||
| 2/12/2026 | Listed for sale | $795,000$386/sqft |
Source: Stellar MLS #TB8441633 Report a problem | ||
| 1/27/2026 | Listing removed | $795,000$386/sqft |
Source: Stellar MLS #TB8441633 Report a problem | ||
| 1/27/2026 | Price change | $795,000-9.1%$386/sqft |
Source: Stellar MLS #TB8441633 Report a problem | ||
| 1/2/2026 | Price change | $875,000-1.1%$425/sqft |
Source: Stellar MLS #TB8441633 Report a problem | ||
| 12/4/2025 | Price change | $885,000-0.6%$430/sqft |
Source: Stellar MLS #TB8441633 Report a problem | ||
| 11/11/2025 | Price change | $890,000-1.1%$432/sqft |
Source: Stellar MLS #TB8441633 Report a problem | ||
| 10/31/2025 | Listed for sale | $900,000+44%$437/sqft |
Source: Stellar MLS #TB8441633 Report a problem | ||
| 2/27/2024 | Listing removed | $625,000-1.6%$304/sqft |
Source: Stellar MLS #U8137447 Report a problem | ||
| 12/1/2021 | Sold | $635,000+1.6%$308/sqft |
Source: Public Record Report a problem | ||
| 10/23/2021 | Pending sale | $625,000$304/sqft |
Source: Stellar MLS #U8137447 Report a problem | ||
| 10/20/2021 | Listed for sale | $625,000+146.1%$304/sqft |
Source: Stellar MLS #U8137447 Report a problem | ||
| 1/5/2011 | Sold | $254,000-33.1%$123/sqft |
Source: Public Record Report a problem | ||
| 7/18/2009 | Listing removed | $379,900$185/sqft |
Source: Realty Visions #7315864 Report a problem | ||
| 5/17/2009 | Listed for sale | $379,900+149.9%$185/sqft |
Source: Realty Visions #7315864 Report a problem | ||
| 1/16/1996 | Sold | $152,000$74/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $170 -0.4% | $461,480 +4.3% |
| 2023 | $171 +3.8% | $442,294 +3% |
| 2022 | $164 -94.3% | $429,412 +132.2% |
| 2021 | $2,873 +0.3% | $184,935 +1.4% |
| 2020 | $2,865 +1.9% | $182,382 +2.3% |
| 2019 | $2,812 | $178,282 +1.9% |
| 2018 | $2,812 +1.5% | $174,958 +2.1% |
| 2017 | $2,770 +2% | $171,359 +2.1% |
| 2016 | $2,715 +0.1% | $167,834 +0.7% |
| 2015 | $2,711 +0.3% | $166,667 +0.8% |
| 2014 | $2,704 +1.4% | $165,344 +1.5% |
| 2013 | $2,667 +4.2% | $162,900 +1.7% |
| 2012 | $2,559 | $160,177 +3% |
| 2011 | -- | $155,512 +5.9% |
| 2010 | -- | $146,781 +2.7% |
| 2009 | -- | $142,922 +0.1% |
| 2008 | $2,096 | $142,779 +3% |
| 2007 | -- | $138,620 -50% |
| 2005 | -- | $277,400 +54.3% |
| 2004 | $2,262 +1.9% | $179,800 +4.1% |
| 2003 | $2,221 +6.4% | $172,800 +4.6% |
| 2002 | $2,087 | $165,200 +15.8% |
| 2001 | $2,087 +5.8% | $142,600 +3.3% |
| 2000 | $1,973 | $138,000 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$4,910/mo
Principal & interest
$3749
Property taxes
$1161
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Climate risks
Neighborhood: 34684
Nearby schools
GreatSchools rating
- 4/10Highland Lakes Elementary SchoolGrades: PK-5Distance: 1.5 mi
- 7/10Joseph L. Carwise Middle SchoolGrades: 6-8Distance: 0.7 mi
- 7/10Palm Harbor University High SchoolGrades: 9-12Distance: 2.5 mi
Schools provided by the listing agent
- Elementary: Highland Lakes Elementary-PN
- Middle: Carwise Middle-PN
- High: Palm Harbor Univ High-PN
Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 34684
- Florida
- Pinellas County
- Palm Harbor
- 34684
- 3140 N Canal Dr
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