4941 Cardinal Trail, Palm Harbor, FL 34683
Local realty services provided by:CENTURY 21 Affiliates
Listed by: nathalia souza spring
Office: coldwell banker realty
MLS#:TB8482100
Source:MFRMLS
Price summary
- Price:$548,900
- Price per sq. ft.:$168.17
- Monthly HOA dues:$8.33
About this home
GULF-ACCESS COMMUNITY | ENCLOSED BOAT STORAGE | TRANSFERABLE FLOOD POLICY $1,757/YR | PRIVATE GROUND-LEVEL SUITE | 4 BED POOL HOME | Saturday morning: the boat ramp is 0.1 miles from your front door, Three Rooker Island is approximately 5 nautical miles out, and the saltwater pool is waiting when you get back. This is the boating life without the waterfront price. | 4-bedroom, 2-bath split-level pool home on a fenced 7,928 sq ft corner lot in Blue Jay Woodlands, Palm Harbor. The community ramp provides direct Gulf of Mexico access restricted to a small number of homes. Enclosed boat storage built into the property — no marina fees, no storage lot, no HOA telling you where to park it. | TRANSFERABLE FLOOD POLICY: $1,757/YEAR | Active, transferable NFIP flood policy conveys at closing — a fraction of what new policies quote in Zone AE. New flood coverage here is increasingly difficult and expensive to secure. This policy follows the home, not the seller. | THE GROUND-LEVEL SUITE | Separate entrance, full bath, direct backyard access. Multi-generational living, guest suite, home office you close the door on at 5 PM, or rental income. Layouts like this are rare at this price. | THE LAYOUT | Upstairs: kitchen, vaulted-ceiling family room, primary suite, additional bedrooms. Downstairs: private suite, flex space, pool access. Two zones, real privacy between them. | MAJOR SYSTEMS | Roof 2021. HVAC 2021. Exterior paint 2023. Electrical panel updated. EV charging. Wind mitigation valid through May 2028. Four-point in MLS documents. | COSMETIC OPPORTUNITY | Popcorn ceilings, primary bath, and patio surfaces are original. Buyers who want to add their own taste will find value-add upside here. Bonus ground-level room (converted before current ownership, not permitted as living space) adds flexible square footage for a media room, gym, workshop, or storage. | THE BACKYARD | Private saltwater pool, mature palms, fully fenced corner lot. Covered patio. Rear balcony. Enclosed outdoor area for the boat or the toys. This backyard does not feel like a subdivision. | LOCATION | 0.5 mi to Pinellas Trail. 3.0 mi to Sunset Beach. 3.9 mi to Fred Howard Park. 2.5 mi to Tarpon Springs Sponge Docks. 6.0 mi to downtown Dunedin. Golf-cart-friendly streets. You are close to everything without being on top of anything. | SCHOOLS | Sunset Hills Elementary, Tarpon Springs Middle, Tarpon Springs High. Tarpon Springs Fundamentals Magnet (application-based) 2.3 mi. | HOA | $8/month, optional, no deed restrictions. | FINANCING | Approved for conventional, FHA, VA, and cash. 1% lender credit toward closing costs available to qualified buyers through Guaranteed Rate. Florida Housing down payment assistance may apply — consult your lender for eligibility....
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Home facts
- Year built:1981
- Listing ID #:TB8482100
- Added:63 day(s) ago
- Updated:May 27, 2026 at 04:33 PM
Rooms and interior
- Bedrooms:4
- Total bathrooms:3
- Full bathrooms:3
- Flooring:Carpet, Ceramic Tile, Laminate
- Dining Description:Living Room/Dining Room Combo
- Kitchen Description:Dishwasher, Disposal, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator, Solid Surface Counters
- Bedroom Description:Primary Bedroom Main Floor
- Living area:2,175 sq. ft.
Heating and cooling
- Cooling:Central Air
- Heating:Central, Electric
- Central air:Yes
Structure and exterior
- Roof:Shingle
- Year built:1981
- Building area:2,175 sq. ft.
- Lot area:0.18 Acres
- Lot Features:Corner Lot, Flood Zone, Oversized, Sidewalk, Unincorporated
- Architectural Style:Florida
- Construction Materials:Block, Frame, Stucco
- Exterior Features:Covered Porch/Patio, Deck, Front Porch, Patio, Rear Porch, Sidewalk
- Foundation Description:Slab
- Levels:2 Story
Schools
- High school:Tarpon Springs High-PN
- Middle school:Tarpon Springs Middle-PN
- Elementary school:Sunset Hills Elementary-PN
Utilities
- Water:Public, Water Connected
- Sewer:Public, Public Sewer, Sewer Connected
Finances and disclosures
- Price:$548,900
- Price per sq. ft.:$168.17
- Tax amount:$7,698 (2025)
Features and amenities
- Appliances:Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer
- Laundry features:Dryer, Inside, Washer
- Amenities:Ceiling Fans(s), Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Window Treatments
- Pool features:Gunite, In Ground, Private Pool, Tile
Parking
- Parking description:Boat, Converted Garage, Driveway, Electric Vehicle Charging Station(s), Garage Door Opener, Ground Level, Guest, Off Street, RV Access/Parking
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