93 S CANAL DRIVE, PALM HARBOR, FL, 34684
Active1 days on marketListed Aug 7, 2026MLS #TB8535022
About this home
93 S CANAL DRIVE
LAKE TARPON - right out your back door!! A 2,500 acre, fresh water lake known for excellent bass fishing, boating, water skiing. Moor your boat at your backyard deck/dock in a protected canal & enjoy all the lake benefits & fun! This peaceful, residential setting provides a perfect backdrop for your own 'resort' oasis. Float around in the solar heated pool, relax & unwind in the hot tub, watch movies from multiple pool lounge/seating areas, enjoy drinks & food at the poolside dining tables or star gaze amidst soft, perimeter pool lighting. The 'heart' of this home is the open concept 'gallery'. At one end, a wood burning fireplace quietly glows, then seamlessly intertwines with the dining area & wet bar, finally transitioning into a culinary delight! Chef's kitchen includes extensive wood cabinetry, matching quartz counters & backsplash, bar seating, coffee/side bar, double ovens, butler's pantry. The tranquil environment continues in the 'primary' suite with fireplace, dual walk in closets, double office desk area & screened balcony; primary bath includes double sinks, shower, oval soaking tub. Bedrooms 2 & 3 each have their own private bath. Inside utility room equipped with work sink, washer & dryer hook-ups, full pool bath. Freshly painted, pendant lighting, security system, outside window sun shutters & 2 car garage complete the package. Style, functionality & waterfront! Love where you live!!
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
2,370
Sqft
0.15 ac
Lot size
2
Garage
1986
Year built
Two
Levels
$316
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$5,041 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,041/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Palm Harbor actives
$316 vs $262
Days on market
1 vs 47 typical
Where $316/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Fresh Water Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
Fresh Water Estates — neighborhood snapshot
Population
386
Median age
60
Median income
$86,154
Median home value
$438,200
Avg household
2
Households w/ children
33%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$420K → $445K
Palm Harbor median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
226 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 200% above the PALM HARBOR 34684 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 93 S CANAL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$681,800
75 N CANAL DRIVE · same community
4 bd · 3.5 ba · 2,564 sqft · $266/sqft · 27 DOM
Sold · Dec ’25$756,000
17 FRESHWATER DRIVE · same community
4 bd · 2 ba · 2,093 sqft · $361/sqft · 149 DOM
Sold · Dec ’25$535,000
85 S CANAL DRIVE · same community
3 bd · 2.5 ba · 2,065 sqft · $259/sqft · 59 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 93 S CANAL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 93 S CANAL DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
93 S CANAL DRIVE FAQs
What would the monthly payment be for 93 S CANAL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,041/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 93 S CANAL DRIVE?+
The most recent tax bill on record (2025) was $6,640. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 93 S CANAL DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Harbor?+
At $749,900, this home is listed about 97% above the Palm Harbor median of $379,945. The market section on this page shows how the area is trending.
Which schools are assigned to 93 S CANAL DRIVE?+
Highland Lakes Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$749,900 runs 200% above the PALM HARBOR 34684 median — but at 2,370 sqft it's also 62% larger than the typical Palm Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Palm Harbor market that averages 47 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BRADSHAW & BRADSHAW REALTY SER · Carol Bradshaw. MLS #TB8535022.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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