4941 CARDINAL TRL Palm Harbor, FL 34683
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
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.
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
Nearby Locations
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