4941 Cardinal Trail
Palm Harbor, FL 34683

Listed at $548,900

Details

  • MLS# TB8482100
  • Residential - Single Family
  • Status Active
  • 4 Bedrooms
  • 3 full Bathrooms
  • 2,175 Square Feet
  • 0.180 acres
  • Built in 1981
  • Local Schools

Description

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...read more 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.

Features

  • Dishwasher
  • Disposal
  • Dryer
  • Electric Water Heater
  • Exhaust Fan
  • Freezer
  • Ice Maker
  • Microwave
  • Range
  • Refrigerator
  • Washer
  • Central Air
  • Carpet
  • Ceramic Tile
  • Laminate
  • Central, Electric
  • 2.0 Stories
  • $7,697 Taxes
  • Public
  • Built in 1981
View All Features

Contact the Agent

Contact the Listing Agent
Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated 05/19/2026. The listing information on this page last changed on 05/19/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Tue 05/19/2026 12:09:24 AM EST) or Miami MLS (last updated Mon 05/18/2026 11:58:33 PM EST) or Stellar MLS (last updated Mon 05/18/2026 11:59:02 PM EST) or Daytona MLS (last updated Mon 05/18/2026 11:36:42 PM EST) or Tallahassee MLS (last updated Mon 05/18/2026 10:48:20 PM EST) or Northeast Florida MLS (last updated Mon 05/18/2026 11:58:55 PM EST) or My State MLS (last updated Mon 05/18/2026 11:30:09 PM EST) or Florida Keys MLS (last updated Mon 05/18/2026 8:29:36 PM EST). Real estate listings held by brokerage firms other than Adams Cameron & Co. REALTORS may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

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All Property Features

  • Property Type: Residential - Single Family
  • Additional Rooms: Family Room
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer
  • Community Features: Street Lights
  • Cooling: Central Air
  • Days on Site: 55
  • Directions: From US Hwy 19, head west on Klosterman Rd. Cross Alt 19 and continue west. Turn left (south) onto Cardinal Trail. Continue to 4941 Cardinal Trail on the left, corner lot.
  • Exterior: Block, Stucco, Frame
  • Exterior Features: Private Yard, Sidewalk
  • Fenced: Yes
  • Fencing: Wood
  • Fireplace: Living Room, Wood Burning
  • Fireplace Y/N: Yes
  • Flood Zone Code: AE
  • Flooring: Carpet, Ceramic Tile, Laminate
  • Foundation: Slab
  • Garage: 1 car attached
  • Heating: Central, Electric
  • HOA Fee: 100/ Annually
  • HOA Y/N: Yes
  • Home Style: Florida
  • Home Warranty Y/N: No
  • Interior Features: Ceiling Fans(s), Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Window Treatments
  • Listing Terms: Cash, Conventional, FHA, VA Loan
  • Lot Description: Corner Lot, FloodZone, Oversized Lot, Sidewalk, Unincorporated
  • Lot Dimensions: 0.18
  • Lot Size: 0.18 Acres
  • Other Equipment: Private Yard
  • Other Structures: Shed(s)
  • Ownership: Fee Simple
  • Parking: Converted Garage, Garage Door Opener, Ground Level
  • Parking Notes: Converted Garage, Garage Door Opener, Ground Level
  • Patio/Porch: Covered, Deck, Front Porch, Patio, Rear Porch
  • Pets Allowed: Cats OK, Dogs OK
  • Pool: Gunite, In Ground, Tile
  • Property Attached Y/N: No
  • Property Sub-Type: Single Family Residence
  • Roof Type: Shingle
  • Sewer: Public Sewer
  • Showing Instructions: 24 Hour Notice, Appointment Only, Call Listing Agent
  • Special Sale Provisions: None
  • Stories: 2.0
  • Swimming Pool: Yes
  • Taxes: $7,697
  • Utilities: Electricity Connected, Public, Sewer Connected, Water Connected
  • Vegetation: Mature Landscaping
  • Water: Public
  • Water Access Y/N: No
  • Year Built: 1981
  • Zoning: R-3