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$1,850,000

3493 SHORELINE CIRCLE, PALM HARBOR, FL 34684

Active34 days on market

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

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8511432
StatusActive
Year Built1987
Stories1
Total Rooms15
ConstructionBlock, Stucco
RoofConcrete, Tile
FoundationSlab
FacesSouthwest
SubdivisionSANCTUARY AT COBBS LANDING THE
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Solid Surface Counters, Thermostat, Wet Bar, Window Treatments
FlooringLuxury Vinyl, Tile
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Kitchen Reverse Osmosis System, Microwave, Other, Range Hood, Refrigerator, Washer, Water Softener
LaundryElectric Dryer Hookup, Inside, Laundry Room, Other, Washer Hookup
WindowsBlinds, Double Pane Windows, Low-Emissivity Windows, Rods, Shades, Shutters, Storm Window(s), Window Treatments
CoolingCentral Air, Other, Zoned
HeatingCentral, Electric, Zoned
FireplaceYes ()
SecuritySecurity Lights, Security System, Security System Owned, Smoke Detector(s)

Exterior & Lot

ExteriorFrench Doors, Irrigation System, Lighting, Other, Rain Gutters, Sidewalk
Lot Size0.55 acres (23,984 sq ft)
Lot Dimensions135 x 174
Lot FeaturesIn County, Landscaped, Near Marina, Oversized Lot, Sidewalk
Road SurfacePaved, Asphalt
ViewWater

Pool & Spa

Private PoolYes
Pool FeaturesGunite, In Ground, Lighting, Other, Outside Bath Access, Screen Enclosure

Waterfront

WaterfrontYes
FeaturesLake, Waterfront, Lake Front

Utilities

WaterPublic, Well
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Public, Sewer Connected, Sprinkler Well, Underground Utilities, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$660 / Annually
Senior CommunityNo

Financial Details

List Price$1,850,000
Annual Taxes$10,340 (2025)
FinancingCash
ZoningRPD-7.5
Parcel #322716786120000080

Schools

ElementaryHighland Lakes Elementary-PN
MiddleCarwise Middle-PN
HighPalm Harbor Univ High-PN

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

OfficeDALTON WADE INC
ListedMay 26, 2026

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.

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