4941 CARDINAL TRL Palm Harbor, FL 34683
4 Beds
3 Baths
2,175 SqFt
UPDATED:
Key Details
Property Type Single Family Home
Sub Type Single Family Residence
Listing Status Active
Purchase Type For Sale
Square Footage 2,175 sqft
Price per Sqft $252
Subdivision Blue Jay Woodlands-Phase 1
MLS Listing ID TB8482100
Bedrooms 4
Full Baths 3
Construction Status Completed
HOA Fees $100/ann
HOA Y/N Yes
Annual Recurring Fee 100.0
Year Built 1981
Annual Tax Amount $7,697
Lot Size 7,840 Sqft
Acres 0.18
Lot Dimensions 80x100
Property Sub-Type Single Family Residence
Source Stellar MLS
Property Description
Four bedrooms. A ground-level private suite with its own entrance and full bath. Gulf access with a residents-only community boat ramp 0.1 miles from the front door. Enclosed boat storage built into the property. A transferable (NFIP) flood insurance policy already in place. Saltwater pool on a fully fenced corner lot. There is not one other active 4-bedroom single-family home in Palm Harbor right now.
| THE WATER |
The community boat ramp is 0.1 miles from the front door with direct Gulf of Mexico access. Enclosed boat parking is built into the property footprint. The boating lifestyle without the waterfront exposure or the waterfront price.
| FLOOD INSURANCE: ALREADY SOLVED |
An active, transferable NFIP flood policy is in place (Zone AE). In a market where new flood coverage is increasingly difficult and expensive to obtain, this is a concrete financial advantage that conveys at closing. Current annual premium available upon request.
| THE LAYOUT |
This is a two-story home. Living areas, kitchen, and primary suite are on the upper level. The ground-level suite and flex spaces are below with a private entrance. Floor plans are available in the media section. The layout provides genuine separation between living and guest spaces that a single-story home cannot offer.
| STRUCTURAL CONFIDENCE |
Roof: 2021 | HVAC: 2021 | Exterior Paint: 2023 | Electrical Panel: Updated. The major capital items have been addressed.
| SPACE + THE SUITE |
Public record reflects 2,175 heated sq ft. The climate-controlled garage space brings total conditioned area to approximately 2,400 sq ft (buyer to verify; see floor plans). Vaulted ceilings. Dedicated family room. Separate living areas. EV charging installed.
The ground-level suite has its own entrance and full bath. In-laws. Adult children. Extended guests. Rental income potential. The space is move-in ready as a suite or can be evaluated for other uses depending on buyer needs.
| THE BACKYARD |
Private saltwater pool. Covered patio. Fully fenced yard. Mature palms. 7,928 sq ft oversized corner lot with rear balcony access and an enclosed outdoor area purpose-built for boat or toy storage.
| LOCATION |
0.5 mi to Pinellas Trail | 3.0 mi to Sunset Beach | 3.9 mi to Fred Howard Park | 3.0 mi to Downtown Palm Harbor | 2.5 mi to Tarpon Springs Sponge Docks | 6.0 mi to Dunedin
Zoned: Sunset Hills Elementary (9/10 GreatSchools) | Tarpon Springs Middle | Tarpon Springs High | 2.3 mi to Tarpon Springs Fundamentals Magnet School (application-based)
Golf-cart-friendly community.
| OPTIONAL HOA |
$8/month. Optional, not mandatory. No deed restrictions.
Gulf access. Enclosed boat storage. Transferable flood policy. Private suite. Saltwater pool. Updated systems. Corner lot. Optional HOA. No compromises.
IMPORTANT: Florida Housing down payment assistance available via TBA Freddie Mac conventional and VA loan programs. Hometown Heroes eligibility anticipated July 2026. Consult your agent or an authorized lender for eligibility details.
Location
State FL
County Pinellas
Community Blue Jay Woodlands-Phase 1
Area 34683 - Palm Harbor
Zoning R-3
Rooms
Other Rooms Family Room
Interior
Interior Features Ceiling Fans(s), Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Window Treatments
Heating Central, Electric
Cooling Central Air
Flooring Carpet, Ceramic Tile, Laminate
Fireplaces Type Living Room, Wood Burning
Furnishings Unfurnished
Fireplace true
Appliance Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer
Laundry Inside, Other
Exterior
Exterior Feature Private Yard, Sidewalk
Parking Features Converted Garage, Garage Door Opener, Ground Level
Garage Spaces 1.0
Fence Wood
Pool Gunite, In Ground, Tile
Community Features Street Lights
Utilities Available Electricity Connected, Public, Sewer Connected, Water Connected
View Garden, Pool
Roof Type Shingle
Porch Covered, Deck, Front Porch, Patio, Rear Porch
Attached Garage true
Garage true
Private Pool Yes
Building
Lot Description Corner Lot, FloodZone, Oversized Lot, Sidewalk, Unincorporated
Entry Level Two
Foundation Slab
Lot Size Range 0 to less than 1/4
Sewer Public Sewer
Water Public
Architectural Style Florida
Structure Type Block,Stucco,Frame
New Construction false
Construction Status Completed
Schools
Elementary Schools Sunset Hills Elementary-Pn
Middle Schools Tarpon Springs Middle-Pn
High Schools Tarpon Springs High-Pn
Others
Pets Allowed Cats OK, Dogs OK
Senior Community No
Ownership Fee Simple
Monthly Total Fees $8
Acceptable Financing Cash, Conventional, FHA, VA Loan
Membership Fee Required Optional
Listing Terms Cash, Conventional, FHA, VA Loan
Special Listing Condition None
Virtual Tour https://www.propertypanorama.com/instaview/stellar/TB8482100
