$500,000
3149 N CANAL DRIVE, PALM HARBOR, FL 34684
Beds
4
Baths
2
Sq Ft
1,816 sq ft
Year Built
1957
Lot Size
0.15 acres
Garage
2
About This Property
Welcome to this beautiful property located at 3149 N Canal Dr in Palm Harbor, Florida—a beautifully maintained 4-bedroom, 2-bath waterfront home offering the ultimate Florida lifestyle, seller motivated to contribute buyer´s closing cost . Perfectly positioned on a peaceful canal with your own private dock, this property provides direct water access ideal for boating, kayaking, and enjoying serene sunset views right from your backyard. Inside, you’ll find a spacious and inviting layout with comfortable living areas, abundant natural light, and generously sized bedrooms designed for both relaxation and functionality. The open living and dining spaces flow seamlessly to the outdoor area, creating an ideal setting for entertaining or simply unwinding by the water. Whether you’re searching for a full-time residence or a vacation retreat, this canal-front gem delivers comfort, convenience, and true coastal charm in one of Palm Harbor’s most desirable locations.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From US-19 in Palm Harbor, head west on Tampa Road toward the coast, then turn right onto Alternate US-19 (Palm Harbor Blvd) and continue north. Turn left onto Nebraska Avenue, then make a right onto N Canal Drive. Follow N Canal Drive to 3149 N Canal Dr, which will be on your left along the canal. The home is conveniently located just minutes from local shopping, dining, parks, and beautiful Gulf Coast beaches, making it easy to access while still enjoying a quiet waterfront setting.
Location
3149 N CANAL DRIVE, PALM HARBOR, FL 34684
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$500,000
Loan Term
How to Buy This Home
Multiple financing options available for this $500,000 home in PALM HARBOR.
🏛️
FHA Loan
$17,500 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
$25,000 Down
Traditional financing. As low as 3-5% down with good credit.
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.
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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: September 11, 2026.