4941 Cardinal Trail, Palm Harbor, FL 34683
Local realty services provided by:Better Homes and Gardens Real Estate Thomas Group
Listed by: nathalia souza spring
Office: coldwell banker realty
MLS#:TB8482100
Source:MFRMLS
Price summary
- Price:$549,000
- Price per sq. ft.:$168.2
- 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 |
A 4-bedroom pool home with direct gulf access, enclosed boat storage, and a separate ground-level suite, tucked into the quiet streets of Blue Jay Woodlands in Palm Harbor. The community boat ramp is 0.1 miles from the front door. Saturday mornings start with the boat in the water by 9 and the saltwater pool waiting when you get back. | THE BOATING LIFE WITHOUT THE WATERFRONT PRICE | Residents-only ramp with direct Gulf of Mexico access. Enclosed boat storage built into the property footprint. Gulf access and full boating capability without the waterfront insurance or the waterfront price tag. | TRANSFERABLE FLOOD POLICY: $1,757/YEAR | An active, transferable NFIP flood policy conveys at closing at $1,757 per year, approximately one-third of standard market rates for this zone. Zone AE. New flood coverage is increasingly difficult and expensive to secure here. This policy follows the home, not the seller. | THE PRIVATE GROUND-LEVEL SUITE | A separate suite with its own private entrance, full bath, and direct backyard access. Multi-generational living, long-term guest space, work-from-home office, or rental income. Layouts like this are rare at this price. | THE LAYOUT | Upstairs: kitchen, vaulted-ceiling family room, primary suite, additional bedrooms. Downstairs: the suite, flex space, pool access. Two functional zones, real privacy between them, the kind of separation a single-story home cannot offer. | MAJOR SYSTEMS DONE | Roof 2021. HVAC 2021. Exterior paint 2023. Electrical panel updated. EV charging installed. Wind mitigation valid through May 2028. Four-point inspection in MLS documents. | COSMETIC OPPORTUNITY | Popcorn ceilings, primary bath, and patio surfaces are original or partially original. Buyers who want to add their own taste over time will find real value-add upside here. Homeowner-completed garage conversion offers flexibility: keep the bonus living space or restore the original 2-car garage with simple drywall work. | THE BACKYARD | Private saltwater pool. Covered patio. Fully fenced 7,928 sq ft corner lot. Mature palms. Rear balcony. Adjacent enclosed outdoor area built for the boat or the toys. | 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 Dunedin. Zoned for Sunset Hills Elementary, Tarpon Springs Middle, Tarpon Springs High. Tarpon Springs Fundamentals Magnet (application-based) 2.3 mi away. Golf-cart-friendly community. | OPTIONAL HOA | $8/month, optional, no deed restrictions. | THE NUMBERS | Recent 4-bedroom pool homes in 34683 closed in an average of 24 days at 97.8% of list, averaging $285/sqft. This home is priced at $252/sqft. | FINANCING | Approved for conventional, FHA, VA, and cash. Florida Housing down payment assistance available. Hometown Heroes eligibility anticipated July 2026. Consult your agent or lender for specifics....
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Home facts
- Year built:1981
- Listing ID #:TB8482100
- Added:51 day(s) ago
- Updated:May 15, 2026 at 12:33 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:$549,000
- Price per sq. ft.:$168.2
- 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:Attached Garage, Converted Garage, Garage Door Opener, Ground Level
- Garage:Yes
- Garage spaces:1
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