3101 N CANAL DRIVE, PALM HARBOR, FL, 34684
Active3 days on marketListed Oct 15, 2026MLS #TB8558141
About this home
3101 N CANAL DRIVE
Waterfront Oasis with Private Dock – Your Lake Tarpon Gateway! Escape to this beautifully updated 2-bedroom, 1-bathroom upper-level rental unit offering the ultimate Florida waterfront lifestyle. Nestled along a peaceful canal in Palm Harbor, this property seamlessly blends relaxing outdoor living with immediate access to one of the region’s premier freshwater lakes. Step out onto your massive 33-foot by 10-foot private balcony deck! This sprawling outdoor living area directly overlooks a lush, spacious yard and the serene canal below. It is the perfect spot for sipping your morning coffee, sunbathing, or hosting sunset dinners with refreshing waterfront breezes. Bring your watercraft! The property features a private backyard dock with direct, effortless access to the canal system leading straight into Lake Tarpon. • Boat Accommodation: Perfectly suited for small watercraft, pontoon boats, jet skis, skiffs, or kayaks. • Water Depth: Ideal for boats with a low draft (shallow hull), ensuring stress-free navigation through the canal. Call listing agent for more details.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,138
Sqft
0.24 ac
Lot size
1973
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$177 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$177/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $264
Days on market
3 vs 68 typical
Where $2/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 → $440K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
233 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 99% below the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 3101 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 · Oct ’25$300,000
3111 S CANAL DRIVE · same community
2 bd · 1 ba · 924 sqft · $325/sqft · 61 DOM
Sold · Nov ’25$250,000
3149 N CANAL DRIVE · same community
3 bd · 2 ba · 1,816 sqft · $138/sqft · 36 DOM
Sold · Aug ’26$702,500
3140 N CANAL DRIVE · same community
3 bd · 3.5 ba · 2,059 sqft · $341/sqft · 272 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3101 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 3101 N CANAL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3101 N CANAL DRIVE FAQs
What would the monthly payment be for 3101 N CANAL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $177/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3101 N CANAL DRIVE?+
The listing reports pets: Breed Restrictions, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $2,300, this home is listed about 99% below the Palm Harbor median of $389,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3101 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
Four things that matter here
01Under the PALM HARBOR 34684 market on paper
$2,300 is 99% below the PALM HARBOR 34684 median of $249,950, and at $2/sqft it sits under the Palm Harbor average of $272.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Palm Harbor market that averages 68 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of REAL ESTATE SALES FORCE · Vernon Ubico. MLS #TB8558141.
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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