4941 Cardinal TrailPalm Harbor, FL 34683Price: $548,900

GULF-ACCESS COMMUNITY | ENCLOSED BOAT STORAGE | TRANSFERABLE FLOOD POLICY $1,757/YR | PRIVATE GROUND-LEVEL SUITE | 4 BED POOL HOME | Saturday morning: the boat ramp is 0.1 miles from your front door, Three Rooker Island is approximately 5 nautical miles out, and the saltwater pool is waiting when you get back. This is the boating life without the waterfront price. | 4-bedroom, 2-bath split-level pool home on a fenced 7,928 sq ft corner lot in Blue Jay Woodlands, Palm Harbor. The community ramp provides direct Gulf of Mexico access restricted to a small number of homes. Enclosed boat storage built into the property - no marina fees, no storage lot, no HOA telling you where to park it. | TRANSFERABLE FLOOD POLICY: $1,757/YEAR | Active, transferable NFIP flood policy conveys at closing - a fraction of what new policies quote in Zone AE. New flood coverage here is increasingly difficult and expensive to secure. This policy follows the home, not the seller. | THE GROUND-LEVEL SUITE | Separate entrance, full bath, direct backyard access. Multi-generational living, guest suite, home office you close the door on at 5 PM, or rental income. Layouts like this are rare at this price. | THE LAYOUT | Upstairs: kitchen, vaulted-ceiling family room, primary suite, additional bedrooms. Downstairs: private suite, flex space, pool access. Two zones, real privacy between them. | MAJOR SYSTEMS | Roof 2021. HVAC 2021. Exterior paint 2023. Electrical panel updated. EV charging. Wind mitigation valid through May 2028. Four-point in MLS documents. | COSMETIC OPPORTUNITY | Popcorn ceilings, primary bath, and patio surfaces are original. Buyers who want to add their own taste will find value-add upside here. Bonus ground-level room (converted before current ownership, not permitted as living space) adds flexible square footage for a media room, gym, workshop, or storage. | THE BACKYARD | Private saltwater pool, mature palms, fully fenced corner lot. Covered patio. Rear balcony. Enclosed outdoor area for the boat or the toys. This backyard does not feel like a subdivision. | 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 downtown Dunedin. Golf-cart-friendly streets. You are close to everything without being on top of anything. | SCHOOLS | Sunset Hills Elementary, Tarpon Springs Middle, Tarpon Springs High. Tarpon Springs Fundamentals Magnet (application-based) 2.3 mi. | HOA | $8/month, optional, no deed restrictions. | FINANCING | Approved for conventional, FHA, VA, and cash. 1% lender credit toward closing costs available to qualified buyers through Guaranteed Rate. Florida Housing down payment assistance may apply - consult your lender for eligibility.