3140 N CANAL DRIVE, PALM HARBOR, FL, 34684
Active277 days on marketListed Oct 30, 2025MLS #TB8441633
About this home
3140 N CANAL DRIVE
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.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,059
Sqft
0.15 ac
Lot size
2
Garage
1983
Year built
Three Or More
Levels
$364
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,502 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,502/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Harbor actives
$364 vs $261
Days on market
277 vs 47 typical
Where $364/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34684 — neighborhood snapshot
Population
26,926
Median age
55.9
Median income
$67,542
Median home value
$293,800
Avg household
2.07
Households w/ children
2,234
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
201 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 200% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3140 N CANAL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$490,000
3101 N CANAL DRIVE · same community
3 bd · 2 ba · 2,138 sqft · $229/sqft · 0 DOM
Sold · Nov ’25$250,000
3149 N CANAL DRIVE · same community
3 bd · 2 ba · 1,816 sqft · $138/sqft · 36 DOM
Sold · Oct ’25$300,000
3111 S CANAL DRIVE · same community
2 bd · 1 ba · 924 sqft · $325/sqft · 61 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3140 N CANAL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3140 N CANAL DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3140 N CANAL DRIVE FAQs
What would the monthly payment be for 3140 N CANAL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,502/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3140 N CANAL DRIVE?+
The most recent tax bill on record (2024) was $170. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $750,000, this home is listed about 96% above the Palm Harbor median of $381,950. The market section on this page shows how the area is trending.
Which schools are assigned to 3140 N CANAL DRIVE?+
Sutherland Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$750,000 runs 200% above the PALM HARBOR 34684 median — but at 2,059 sqft it's also 40% larger than the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
277 days on market against a Palm Harbor median of 47 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sutherland Elementary School, Tarpon Springs High School, Tarpon Springs Middle School — Sutherland Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $890,000, now $750,000 — a $140K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of A BETTER LIFE REALTY · Morgan Ellis. MLS #TB8441633.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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