4941 CARDINAL TRAIL PALM HARBOR FL 34683 MLS #TB8482100

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.