$549,000
OPEN SUN 12PM - 2PM $30K PRICE DROP

4941 Cardinal Trail Palm Harbor, FL 34683

Estimated payment $3,540/month

Total Views 4,171
4 Beds
3 Baths
2,175 Sq Ft
$252 Price per Sq Ft

Highlights

  • In Ground Pool
  • Open Floorplan
  • Living Room with Fireplace
  • Sunset Hills Elementary School Rated A-
  • Deck
  • Florida Architecture

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.

Listing Agent

Nathalia Souza Spring

COLDWELL BANKER REALTY Brokerage Phone: 727-781-3700 License #3651639 Listed on: 03/25/2026

COLDWELL BANKER REALTY

Open House Schedule

  • Sunday, May 3, 2026
    12:00 to 2:00 pm
    5/3/2026 12:00:00 PM +00:00
    5/3/2026 2:00:00 PM +00:00
    Open House this Sunday | 4941 Cardinal Trail, Palm Harbor | 4BR pool home | Gulf-access community boat ramp 0.1 mi | Enclosed boat storage | Private ground-level suite | Transferable flood policy at $1,757/yr | Roof & HVAC 2021 | Wind mit valid 2028 | Priced at $252/sqft, below the 34683 comp average of $285 | 1% closing cost credit available with Guaranteed Rate | Walk through at your own pace, fact sheet on kitchen counter | Nathalia Spring 303-895-6060
    Add to Calendar
  • Saturday, May 9, 2026
    11:00 am to 1:00 pm
    5/9/2026 11:00:00 AM +00:00
    5/9/2026 1:00:00 PM +00:00
    Open House this Sunday | 4941 Cardinal Trail, Palm Harbor | 4BR pool home | Gulf-access community boat ramp 0.1 mi | Enclosed boat storage | Private ground-level suite | Transferable flood policy at $1,757/yr | Roof & HVAC 2021 | Wind mit valid 2028 | Priced at $252/sqft, below the 34683 comp average of $285 | 1% closing cost credit available with Guaranteed Rate | Walk through at your own pace, fact sheet on kitchen counter | Nathalia Spring 303-895-6060
    Add to Calendar

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,698

Year Built

  • Built in 1981

Lot Details

  • 7,928 Sq Ft Lot
  • Lot Dimensions are 80x100
  • Unincorporated Location
  • Southwest Facing Home
  • Wood Fence
  • Mature Landscaping
  • Corner Lot
  • Oversized Lot
  • Private Yard
  • Property is zoned R-3

HOA Fees

  • $8 Monthly HOA Fees

Parking

  • 1 Car Attached Garage
  • Converted Garage
  • Electric Vehicle Home Charger
  • Ground Level Parking
  • Garage Door Opener

Property Views

  • Garden
  • Pool

Home Design

  • Florida Architecture
  • Bi-Level Home
  • Slab Foundation
  • Frame Construction
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,175 Sq Ft Home
  • Open Floorplan
  • Ceiling Fan
  • Wood Burning Fireplace
  • Window Treatments
  • Family Room
  • Living Room with Fireplace
  • Combination Dining and Living Room
  • Bonus Room

Kitchen

  • Range
  • Recirculated Exhaust Fan
  • Microwave
  • Freezer
  • Ice Maker
  • Dishwasher
  • Solid Surface Countertops
  • Disposal

Flooring

  • Carpet
  • Laminate
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • 3 Full Bathrooms

Laundry

  • Laundry in unit
  • Dryer
  • Washer

Pool

  • In Ground Pool
  • Gunite Pool
  • Pool Tile

Outdoor Features

  • Deck
  • Covered Patio or Porch
  • Shed

Location

  • Flood Zone Lot

Schools

  • Sunset Hills Elementary School
  • Tarpon Springs Middle School
  • Tarpon Springs High School

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater

Community Details

  • Blue Jay Woodlands Phase 1 Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,698

Year Built

Built in 1981

Lot Details

7,928 Sq Ft Lot

HOA Fees

$8 per month

Parking

1

Listing Details

  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Architectural Style: Florida
  • Construction Materials: Block, Stucco, Frame
  • Fireplace: Yes
  • Living Area: 2175
  • Lot Size Acres: 0.18
  • New Construction: No
  • Year Built: 1981
  • Building Area Total: 3264
  • Lot Size Sq Ft: 7928
  • Status: Active
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 303.24
  • Escrow City: Clearwater
  • Escrow State: FL
  • Escrow Street Name: Gulf to Bay Blvd
  • Minimum Lease: No Minimum
  • RATIO Current Price By Calculate: 252.41
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 0
  • Planned Unit Development Yn: 0
  • AG Exemption YN: 0
  • MFR_InLawSuiteYN: 1
  • MFR_InLawSuiteDescription: 1 Bathroom,1 Bedroom
  • Attribution Contact: 727-781-3700
  • Tax Year: 2025
  • Special Features: 4097

Interior Features

  • Fireplace Features: Living Room, Wood Burning
  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile, Laminate
  • Full Bathrooms: 3
  • Interior Amenities: Ceiling Fans(s), Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Window Treatments
  • Appliances Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Other Equipment: Private Yard
  • Spa Yn: No
  • Additional Rooms: Family Room
  • Living Area Meters: 202.06

Exterior Features

  • Direction Faces: Southwest
  • Other Structures: Shed(s)
  • Pool Features: Gunite, In Ground, Tile
  • Exterior Features: Private Yard, Sidewalk
  • Roof: Shingle
  • Pool Private: Yes
  • View: Garden, Pool
  • Waterfront: No
  • Patio and Porch Features: Covered, Deck, Front Porch, Patio, Rear Porch
  • Road Surface Type: Paved
  • Water View YN: 0
  • Waterfront Feet Total: 0
  • Additional Water Information: Boat Ramp Access via Subdivision Easement, 0.1 miles from home.

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 1
  • Garage Yn: Yes
  • Parking Features: Converted Garage, Garage Door Opener, Ground Level

Utilities

  • Utilities: Electricity Connected, Public, Sewer Connected, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric
  • Laundry Features: Inside, Other
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Street Lights
  • Association Fee: 100
  • Association Fee Frequency: Annually
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Complex Community Name Nccb: BAYWOOD VILLAGE
  • Association Fee Requirement: Optional

Fee Information

  • Total Annual Fees: 100.00
  • Total Monthly Fees: 8.33
  • Monthly HOA Amount: 8.33

Schools

  • Elementary School: Sunset Hills Elementary-PN
  • High School: Tarpon Springs High-PN
  • Middle Or Junior School: Tarpon Springs Middle-PN

Lot Info

  • Zoning: R-3
  • Parcel Number: 23-27-15-09420-000-0320
  • Additional Parcels: No
  • Fencing: Wood
  • Lot Features: Corner Lot, FloodZone, Oversized Lot, Sidewalk, Unincorporated
  • Lot Dimensions: 80x100
  • Property Attached Yn: No
  • Flood Zone Code: AE

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Cats OK, Dogs OK
  • Lease Restrictions YN: 0

Tax Info

  • Tax Annual Amount: 7697.64
  • Tax Block: 000/032
  • Tax Book Number: 79/42
  • Tax Lot: 32

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $7,598 $475,956 -- --
2024 $3,821 $462,542 $166,906 $295,636
2023 $3,821 $244,762 $0 $0
2022 $3,712 $237,633 $0 $0
2021 $3,738 $230,712 $0 $0
2020 $3,728 $227,527 $0 $0
2019 $3,798 $229,401 $0 $0
2018 $3,747 $225,124 $0 $0
2017 $3,856 $227,671 $0 $0
2016 $3,823 $222,988 $0 $0
2015 $2,927 $177,370 $0 $0
2014 $2,916 $175,962 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
04/23/2026 04/23/26 Price Changed $549,000 -3.5% $252 / Sq Ft
04/09/2026 04/09/26 Price Changed $569,000 -1.7% $262 / Sq Ft
03/25/2026 03/25/26 For Sale $579,000 +6.8% $266 / Sq Ft
06/23/2023 06/23/23 Sold $542,000 -1.5% $249 / Sq Ft View Prior Sale
05/08/2023 05/08/23 Pending -- -- --
05/04/2023 05/04/23 For Sale $550,000 0.0% $253 / Sq Ft
04/26/2023 04/26/23 Pending -- -- --
04/20/2023 04/20/23 For Sale $550,000 -- $253 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $542,000 Talon Title Services
Warranty Deed $248,000 Total Title Solutions
Warranty Deed $200,000 Total Title Solutions Clw
Special Warranty Deed -- Attorney
Warranty Deed $258,000 --
Warranty Deed $169,000 --
Warranty Deed $169,000 Gulf Coast Title
Warranty Deed $114,000 --
Warranty Deed $94,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $514,900 New Conventional
Previous Owner $243,508 FHA
Previous Owner $232,200 Stand Alone First
Previous Owner $160,550 Unknown
Previous Owner $107,000 New Conventional
Previous Owner $91,850 FHA
Source: Public Records

Source: Stellar MLS

MLS Number: TB8482100

Stellar MLS

APN: 23-27-15-09420-000-0320

Florida Pinellas County Palm Harbor 34683

4941 Cardinal Trail, Palm Harbor, FL

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

Stellar MLS All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. IDX information is provided exclusively for 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 is deemed reliable but not guaranteed.
Listings courtesy of Stellar MLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID
Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393

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Listing Agent
Nathalia Souza Spring
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COLDWELL BANKER REALTY
(727) 607-8274
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