Beds
3
Baths
3
Sq Ft
3,378 sq ft
Year Built
1987
Lot Size
0.55 acres
Garage
3
About This Property
Virtually Staged. There are places that stop you the moment you arrive. This home is one of them. Wake to sunrises that paint the water gold. Live on 163 feet of private Lake Tarpon waterfront where the view isn't borrowed, it's yours. Every room frames the lake differently. Your view is unobstructed: John Chestnut Sr. Park sits across the water. 3 bedrooms, 3 baths, a bonus room and 3 car-garage. A screened pool with an outdoor kitchen built for entertaining and living. Tree-lined streets anchor you in one of Pinellas County's most cherished communities. A front-row seat to a life most people only imagine. Nestled within the accessible Sanctuary 1 at Cobbs Landing, this home offers the rare combination of privacy, prestige, and connection. The community features tennis courts, basketball court, and a private marina with direct boat ramp access to Lake Tarpon, where boating, water skiing and fishing are enjoyed. Top-rated Palm Harbor schools, 40 minutes to Tampa International Airport, and minutes to Clearwater Beach, world-class dining, golf, and everyday conveniences. Concrete block construction sets this home apart from the wood-frame homes of this community. At 3,378 sq ft, the layout is both generous and intentional. A wood-burning fireplace anchors the family room, which opens to the kitchen and breakfast area in an easy, natural flow, all with uninterrupted waterfront views. A formal living room and dining room offer additional space to gather, entertain, and exhale. Every bedroom, the bonus room, and every principal living space overlooks the lake. Naturally stained oak millwork, six-panel interior doors, and tile and luxury vinyl floors throughout (2024) give the interior a warmth and craftsmanship that feels earned. The kitchen is built for those who cook and those who entertain: granite countertops, Sub-Zero refrigerator, cooktop, double ovens, custom cabinetry, and a bar sink with ample storage throughout. The primary suite is a true retreat: Whirlpool tub, separate shower, private water closet, and dual walk-in closets with custom built-ins. 163 feet of private shoreline, protected by a seawall and open to some of the most breathtaking sunrises in Pinellas County. Bald eagles, great blue herons, and egrets are regular visitors, the kind of wildlife that reminds you how rare this home truly is. 5 sets of hurricane-impact French doors dissolve the line between inside and out, framing the lake and its natural world from every angle. The high velocity screened pool enclosure was designed with an open-view screen system, intentionally chosen to keep the water in frame whether you're swimming, dining, or simply sitting still. A PebbleTec-refinished pool and pavered deck (2019) set the stage, and the lanai kitchen with granite countertops just outside the pass-through window makes it all effortless to entertain. Major Updates & Systems include: Concrete Tile Roof, including a water resistant underlayment (2019). Hurricane-impact windows, exterior doors, all 5 French doors, and reinforced garage doors with vertical hurricane supports. Smartside horizontal lap siding (2014), paver driveway (2022), epoxy garage floor (2024). Two AC systems (2016/2017) with full ductwork replacement (2005). Two water heaters (2023/2017). Water softener with reverse osmosis filtration at kitchen and bar sinks. Dual irrigation systems using well and county water.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From US 19 & Gulf To Bay traveling NORTH turn RIGHT on Alderman Road. Turn LEFT on Shoreline Drive. Continue Straight on Shoreline Drive. Continue to Shoreline Circle. Home is on the LEFT. NOTE** Parking may be blocked during road repaving. Please do NOT drive around the barricades to prevent road tar from staining the paver drive
Location
3493 SHORELINE CIRCLE, PALM HARBOR, FL 34684
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $1,850,000 home in PALM HARBOR.
🏛️
FHA Loan
$64,750 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$92,500 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pinellas County SHIP
Varies
Income-qualifying Pinellas residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: June 29, 2026.