3140 N Canal Drive, Palm Harbor, FL

No Flood Insurance Required. Lakefront living. NO HOA. No rules. No restrictions. Updated 3-bedroom, 3.5-bath waterfront home (with a versatile mother-in-law suite, office, den) sits directly on a peaceful canal leading to one of Florida’s premier freshwater lakes. New roof (2025), new dock and seawall (2023), upgraded AC, and an expanded electrical panel ready for EV chargers. Inside, the open-concept kitchen is a showstopper, with custom cabinets, premium counters, and high-end appliances that flow effortlessly into the main dining and living room areas. Upstairs, the owners’ suite features a walk-in custom closet and a spa-inspired ensuite bath. Two additional guest rooms and an updated bath share this level, along with a full laundry room and loads of extra storage space. The mother-in-law suite downstairs has its own entrance, full bath, and laundry hook-up—perfect for guests, a home office, den, or possibly rental income. Plenty of space for boats, kayaks, skis and RVs. Nearby John Chesnut and Anderson Parks have public boat ramps, nature trails, and picnic areas. Top-rated Pinellas County schools, Honeymoon Island beaches, Downtown Dunedin, Tarpon Springs, and Tampa International Airport are just minutes away. Did we mention, No HOA. No lease restrictions. Just pure Florida lake life—freedom, fun, and relaxation all in one. Homes like this rarely come available on the water and a lifestyle this free is hard to find in Pinellas County—schedule your private showing today and see what lakefront living truly feels like. Seller will consider crypto currency offers.