Palm Harbor Homes with Canal - Saltwater Frontage

Palm Harbor Homes with Canal - Saltwater Frontage

Welcome to Palm Harbor, Florida, a hidden gem nestled in the heart of Pinellas County. Known for its picturesque landscapes and vibrant community, Palm Harbor offers a perfect blend of small-town charm and modern living. With its lush greenery, stunning waterfront views, and a rich history, this delightful city is ideal for those seeking a serene yet engaging lifestyle.

One of the most alluring features of Palm Harbor is its captivating homes with canal and saltwater frontage. Imagine waking up to the gentle sound of water lapping against your dock, where you can enjoy direct access to the sparkling Gulf of Mexico. These waterfront properties are not just homes; they are gateways to a lifestyle filled with adventure and relaxation. Whether you enjoy fishing, boating, or simply soaking up the sun, living on the water provides endless opportunities for leisure and recreation.

Palm Harbor boasts a variety of architectural styles, from charming bungalows to luxurious estates, ensuring there’s something for everyone. The community is also known for its excellent schools, vibrant parks, and a plethora of dining and shopping options, making it a perfect place for families and retirees alike.

With its warm climate and friendly atmosphere, Palm Harbor invites you to experience the beauty of waterfront living. Come explore the stunning homes with canal and saltwater frontage, where every day feels like a vacation. Discover your dream home in this enchanting city and embrace the coastal lifestyle you’ve always desired!

Newest Palm Harbor Homes with Canal - Saltwater Frontage

231 Lagoon Drive, Palm Harbor
$430,000
Ozona Shores 3rd Add SubDv. ⋅ 34683 Zip Code
Don’t just build a home, build your future in the heart of Ozona, one of Pinellas County’s most sought-after coastal communities. This exceptional homesite is cleared and leveled, offering a rare opportunity to fast-track your build in a location where waterfront and water-access properties are increasingly hard to find. With access to Brooker Creek and the Gulf of America, this property delivers the best of Florida coastal living, whether you’re heading out by boat or simply soaking up the water views and natural surroundings. An added advantage: Pinellas County has future plans to increase the clearance of the Shore Drive bridge, which is expected to allow for larger vessels to pass, further enhancing the long-term boating appeal of this location. The main lot offers approximately 116 feet of depth by 82 feet of width (9,512 sq ft), with an additional 1,848 sq ft parcel located along the water on the east side of Lagoon Dr, bringing the total to approximately 11,360 sq ft. This unique configuration provides flexibility for design, outdoor living, and maximizing your waterfront experience. Location is everything, and Ozona delivers. Known for its golf cart-friendly lifestyle and tight-knit coastal charm, this community offers easy access to local marinas, waterfront dining, and some of the area’s most beloved restaurants and gathering spots. Spend your days on the water, your evenings catching sunsets on a golf cart ride, and your weekends enjoying nearby amenities like the Sunderman Sports Complex and the scenic Pinellas Trail. The property is also conveniently located near Ozona Elementary and Palm Harbor University High School, making it an easy everyday lifestyle choice. Opportunities like this, cleared, build-ready land with water access, Gulf connectivity, and future upside are incredibly rare in Ozona. Don’t just live… live coastal. Survey and soil test available upon request.

231 Lagoon Drive, Palm Harbor
312 Westwinds Drive, Palm Harbor
$840,000
3 Beds ⋅ 3 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
Welcome to 312 Westwinds Dr, located in the highly desirable waterfront community of Baywood Village with no HOA. This beautifully updated 3-bedroom, 3-bath home offers 1,947 square feet of thoughtfully renovated living space and sits directly on a saltwater canal just minutes from open water. No expense was spared in the top-to-bottom remodel, creating a move-in-ready home with modern finishes and exceptional attention to detail throughout. A new primary suite addition was completed in 2019, adding even more comfort and functionality to the floor plan. Enjoy waterfront living with direct Gulf access and no bridges. Bright, open living areas capture natural light and water views, creating a comfortable setting for everyday living and entertaining. The island kitchen features all-new appliances, solid hardwood cabinetry with soft-close doors and drawers, under-cabinet lighting, stone countertops, custom light fixtures, and wood-look ceramic tile flooring. Oversized three-panel sliding doors connect the dining area to a covered waterfront patio, bringing the outdoors into your living space. A wet bar with a sink, cabinetry, wine refrigerator, and accent lighting makes hosting easy. The primary suite offers private patio access, a custom walk-in closet, and a spacious bathroom with dual sinks, a soaking tub, and a separate walk-in shower. A Murphy bed in the second bedroom provides flexibility for guests or a home office. The dedicated laundry room includes cabinetry, a utility sink, and a shoe organizer, while plantation shutters throughout complete the interior. Outside, the covered brick-paver patio features a ceiling fan and grilling area overlooking the water. Low-maintenance landscaping, a storage shed, and white vinyl fencing with double gates add convenience. The composite dock is equipped with a 10,000-pound boat lift, electricity, and water connections, making it easy to head out for a day on the Gulf. Conveniently located near the historic Tarpon Springs Sponge Docks, Wall Springs Park, Fred Howard Park Beach, Sunset Beach, Honeymoon and Caladesi Islands, the Pinellas Trail, and Innisbrook Golf Club, this home puts boating, beaches, dining, and outdoor recreation within easy reach.

312 Westwinds Drive, Palm Harbor
332 Westwinds Drive, Palm Harbor
$650,000
3 Beds ⋅ 2 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
WATERFRONT and Deep Water Access! No fixed bridges between this backyard and the Gulf of Mexico. Saltwater canal frontage, a 10,000-pound boat lift, and a 0.27 acre corner property spanning one-and-a-half lots at the end of a Baywood Village cul-de-sac. The expansive property makes room for multiple cars, Boat/RV parking, and future pool with still room for the dog to run. This 3-bedroom, 2-bath Palm Harbor home has updates to match! Recent updates include: New kitchen cabinets (2025) and kitchen appliances (2025), the primary bathroom was fully remodeled (2025), and a new A/C (2025), water heater (2025), luxury vinyl plank flooring (2025), and Roof (2016). The living room has two ceiling fans, walls of windows, and glass doors that keep the screened lanai and backyard in view. It opens straight into the kitchen: white cabinetry, updated tile countertops, stainless appliances, recessed lighting, and a wraparound breakfast bar. Between the dining area and a second casual space, there's room for a big table, a breakfast nook, or a desk. The split floor plan offers a comfortable split between the 3 bedrooms. The primary bedroom fits a king bed and a sitting area, with 2 skylights, multiple windows, and dual walk-in closet with built-in organization. The remodeled primary bath(2025) has a wide gray vanity with plenty of drawers and a tiled tub/shower with rainfall and handheld showerheads. The 2nd bedroom/bathroom has a separate side entrance which offers short-term rent potential (owner has rented in the past for $100+/night). The 2nd bath, fully updated in 2019, has more personality: a turquoise vanity and a tiled walk-in shower with a built-in bench. The 3rd bedrooms work for guests, an office, or the hobby that has outgrown the dining table. The home has a full laundry room with overhead cabinets and a separate utility/storage room for extra storage. A screened lanai runs across the full width of the house. Beyond it, a double gate opens to RV, boat, or trailer parking, along with mature shade trees, a gravel fire-pit area, outdoor storage, and a (10x16) workshop with a workbench, shelving, and lighting, plus room for the tools, the tackle, and the half-finished projects. A 2nd shed (8x10) is in the backyard perfect for yard equipment and other storage needs. Then there's the water! You get about 60 feet of seawall, a wooden dock plus a floating dock, running water, waterside storage, separate davit perfect if you have Jetskis, and the 10,000-pound lift (installed in 2018) that can fit up to approximately 25ft boat. The boat lift features straps, making it easy to load and unload the boat, even during the occasional low tide and configures to different boats. With no fixed bridges between you and the Gulf, getting out on the water is part of everyday life here, not a weekend production. Location is ideal as well! Downtown Palm Harbor, the Pinellas Trail, Wall Springs Park, Sunset Beach, Fred Howard Park, and the Tarpon Springs Sponge Docks are all close by, with Clearwater, St. Pete, and Tampa within easy reach. Waterfront access, real land, room for the toys, and the big-ticket updates are already done! This home is ready to be called yours!

332 Westwinds Drive, Palm Harbor
4840 Hummingbird Trail, Palm Harbor
$675,000
3 Beds ⋅ 4 Baths ⋅ Blue Jay Woodlands - Ph 3 SubDv. ⋅ 34683 Zip Code
Waterfront living with Gulf access from your own backyard! Situated on a deep canal in Palm Harbor, this updated, elevated 3 bedroom, 4 bath home offers 1,728 square feet of living space, plus an 864-square-foot garage, accessed through two single-car garage doors. The garage has a full bath as well. Step outside to a dock with a 10,000-pound boat lift, a waterside tiki bar, and a swimming pool. Open Gulf waters are approximately 10 minutes away by boat. A bridge is located along the route; clearance varies by vessel height and tide, and buyers should verify suitability for their boat. Offered at $675,000.

4840 Hummingbird Trail, Palm Harbor
593 Westwinds Drive Unit 593, Palm Harbor
$162,500
1 Beds ⋅ 1 Baths ⋅ Baywood On The Gulf 1 Condo SubDv. ⋅ 34683 Zip Code
Waterfront living with direct Gulf access! Welcome to 593 Westwinds Drive, a charming villa-style condo where the Florida boating lifestyle begins right outside your back door. Located directly on a saltwater canal, this home features its own floating dock with 2 6-feet wide benches, giving you the opportunity to keep your boat just steps away and head out toward the Gulf for a day of fishing, cruising, or catching a spectacular Florida sunset. The waterfront setting is just as enjoyable from land. Relax out back, cast a line from your dock, or simply watch for manatees, dolphins, and other Florida wildlife passing through the canal. It's the kind of peaceful setting that makes every day feel a little more like vacation. Inside, you'll find comfortable, low-maintenance living with ceramic tile flooring throughout and an expanded living area, providing additional space to relax while enjoying the waterfront lifestyle year-round. This pet-friendly, close-knit community makes ownership easy, with the HOA fee including water, sewer, trash, basic cable and internet, building insurance, exterior maintenance, and grounds care—leaving you more time to enjoy everything this waterfront location has to offer. Major updates add even more value and peace of mind: ROOF 2025, WATER HEATER 2024, AND EXTERIOR PAINT 2025/2026. Whether you're looking for a seasonal escape, a full-time waterfront home, or an affordable way to enjoy boating with direct Gulf access, this property offers a rare combination of convenience, waterfront beauty, and true Florida living.

593 Westwinds Drive Unit 593, Palm Harbor
344 Crosswinds Drive, Palm Harbor
$565,000
3 Beds ⋅ 2 Baths ⋅ Baywood Village Sec SubDv. ⋅ 34683 Zip Code
Where else and you be on canal front property for this price? Tucked back in Baywood Village. We've seen everything from snook to dolphins on this waterfront paradise. This beautifully UPDATED slice of paradise is the ultimate year-round sanctuary or seasonal getaway you've been dreaming of! This home features three bedrooms and 2 bathrooms with a two-car garage. All the rooms have been updated and move-in ready. Baywood has a community center and the neighborhood is a golf cart community. Sprinkler system is on a well. The pump and well were replaced in 2024. A/C new last year.

344 Crosswinds Drive, Palm Harbor
303 Morningside Drive, Palm Harbor
$1,799,900
4 Beds ⋅ 3 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
Pre-Construction. To be built. Custom new construction by WinWay Homes on a cleared saltwater waterfront lot at 303 Morningside Dr in Palm Harbor’s Baywood Village. The Athens is an elevated 2,431-square-foot coastal home with 4 bedrooms, 3 full bathrooms, and a 2-car garage. The open layout is designed for everyday living and entertaining, with a stylish wet bar and a primary suite that includes space for a freestanding tub. This is an elevated residence — the right plan for a flood-zone canal lot — with living space lifted above the garage and strong curb appeal. The homesite is 68 ft x 100 ft (7,000 sq ft) with 68 feet of saltwater canal frontage, a canal view, and sailboat water with no fixed bridges to the Gulf. Open water on the Intracoastal is about 2,000 feet from the lot. The prior home has been demolished. An existing dock with boat lift is already in place, so you can use the water while the new home is built. This is a rare combination in north Pinellas: a build-ready waterfront lot, a usable dock and lift, and a new custom home by WinWay. About 2 miles to Innisbrook Golf Resort. Minutes to downtown Palm Harbor, Ozona, Tarpon Springs, Honeymoon Island, Caladesi Island, and the Pinellas Trail. Assigned schools include A-rated Sutherland Elementary, Tarpon Springs Middle, and Tarpon Springs High. Public water and sewer. Zoning R-3.

303 Morningside Drive, Palm Harbor
303 Morningside Drive, Palm Harbor
$600,000
Baywood Village SubDv. ⋅ 34683 Zip Code
This cleared 80 ft x 100 ft (7,000 sq ft / 0.16 acre) homesite at 303 Morningside Drive offers 68 feet of saltwater canal frontage, a canal view, and sailboat water with no fixed bridges to the Gulf. Open water on the Intracoastal is about 2,000 feet from the lot. The prior home has been demolished, so the parcel is clean and ready for a new custom coastal home. An existing dock with boat lift is already in place. That means a buyer can use the water on day one while plans for the new home move forward. True waterfront — not just a water view No-bridge sailboat access to the Gulf Dock and lift already on site Public water, sewer, electric, cable, and internet available Zoning R-3 Room on the 68x100 lot for a new home, outdoor living, and a pool About 2 miles to Innisbrook Golf Resort Minutes to downtown Palm Harbor, Ozona, Tarpon Springs, Honeymoon Island, Caladesi Island, and the Pinellas Trail Assigned schools include Sutherland Elementary (A-rated), Tarpon Springs Middle, and Tarpon Springs High About 22 miles to Tampa International Airport Saltwater lots with sailboat access and a usable dock are scarce in north Pinellas. Build your waterfront home here and keep the boat in your backyard.

303 Morningside Drive, Palm Harbor
609 Westwinds Drive Unit 4, Palm Harbor
$279,000
1 Beds ⋅ 1 Baths ⋅ Baywood On The Gulf 1 Condo SubDv. ⋅ 34683 Zip Code
ONE OF A KIND WATERFRONT GEM, This charming Palm Harbor villa-style condo with PRIVATE DOCK and GULF ACCESS is truly one of a kind and a MUST SEE IN PERSON! The unit has been BEAUTIFULLY RENOVATED from top to bottom featuring a CUSTOM KITCHEN with built-in cabinets, solid surface countertops, gorgeous tile backsplash, new stainless steel appliances and HUGE KITCHEN ISLAND with ample seating! Also in the kitchen is a dedicated bar area with high-end icemaker and workstation desk. NEW plumbing, HVAC, duct work, water heater, impact door, electrical rewiring, exterior and interior painting, NEW LVP flooring throughout - all permitted work. The newly configured floorplan adds a BONUS ROOM that would be great for guests, a nursery or office. Situated on a saltwater canal leading to the Gulf, your private dock puts boating, fishing, kayaking and manatee watching outside your door. Ideally located near the Pinellas Trail, Tarpon Sponge Docks, Innisbrook, Fred Howard Park, Honeymoon Island, Sunset Beach and local restaurants and shopping. MUST SEE! The monthly fee includes water, trash, sewer, internet, cable TV, pest control, lawn maintenance, insurance, exterior maintenance and grounds care! This is the perfect starter home, retirement home or second home for winter travelers. No leasing is permitted at this time. Pets are allowed, 2 max under 40 lbs.

609 Westwinds Drive Unit 4, Palm Harbor
102 Schooner Drive Unit 102, Palm Harbor
$135,000
Crystal Bay M/H Club Inc Unrec SubDv. ⋅ 34683 Zip Code
Property Overview Bring your architectural dreams to life on this rare waterfront vacant lot nestled directly on a tranquil channel leading straight out to the sparkling waters of St. Joseph Sound and the Gulf of Mexico. Whether you envision a custom coastal retreat or a modern manufactured masterpiece, this blank canvas offers the ultimate Florida boating lifestyle. Best of all, the property currently features two boat davits, meaning your aquatic adventures can begin the moment you move in! Community & Neighborhood Highlights Welcome to the charming seaside community of Crystal Bay Mobile Home Club, a vibrant, highly active, and resident-owned 55+ cooperative located in beautiful Palm Harbor, Florida. Enjoy a peaceful, friendly neighborhood atmosphere paired with incredible resort-style amenities right at your fingertips: Boater's Dream: Community dock, boat slips, and direct deep-water access to the Gulf. On-Site Recreation: Spend your days fishing right from the neighborhood dock, relaxing by the sparkling community pool, or engaging in friendly competition on the shuffleboard courts. Active Social Life: The community clubhouse serves as the social hub for clubs, events, and gatherings with neighbors who quickly become lifelong friends. Prime Location: Conveniently situated near world-famous Gulf beaches, scenic parks, local dining, shopping, and Tampa Bay area conveniences. Disclaimer Please note that the photographs and visual media used to showcase this vacant land are for illustrative and marketing purposes only. Some images have been digitally enhanced, altered, or created using digital means. These modifications may include, but are not limited to, the creation of simulated twilight effects, the digital removal or elimination of existing on-site items, and architectural renderings depicting potential home designs that could be built on the property. Prospective buyers are advised to independently verify all property dimensions, current physical conditions, zoning regulations, and suitability for any intended construction.

102 Schooner Drive Unit 102, Palm Harbor
223 Pinecrest Drive, Palm Harbor
$899,000
3 Beds ⋅ 2 Baths ⋅ Ozona Shores 3rd Add SubDv. ⋅ 34683 Zip Code
Price improvement 9/30!!!! Bring your offer, your golf cart, and your love of sunset waterfront views! Experience the ultimate turnkey waterfront lifestyle in the golf-cart-legal community of coveted Ozona. This exceptional residence features approximately $250,000 in recent high-end upgrades, with no expense spared, offering a private resort-style sanctuary. Enjoy your private dock for smaller boats and watercraft, complete with newer composite decking and a brand-new seawall. 5 marinas are located within lgolf cart range, providing additional boating and storage possibilities. Exquisite Interior & Upgrades... Inside, an open floor plan seamlessly merges the living, dining, and kitchen areas with breathtaking water views. The chef’s kitchen serves as the heart of the home, boasting a custom quartz island, premium stainless steel appliances, and a designer backsplash. All bathrooms feature recent modern renovations, and a custom addition expands the laundry, fitness room, and garage storage. Enjoy total peace of mind with full hurricane-impact windows, a hurricane-rated garage door, and a recent roof and AC system. Resort-Style Outdoor Oasis... The backyard is a private paradise where dolphins and manatees frequently visit. Relax by the heated pool and integrated waterfall spa, surrounded by an expansive marble-tiled deck. The pool features a brand-new, state-of-the-art Low-Chlo purification system that provides crystal-clear water with drinking-water chlorine levels. A 300-square-foot lanai with premium fine-mesh clarity screening and custom powered exterior awnings ensures comfortable year-round outdoor living. The Unmatched Ozona Vibe... Live like a local in Tampa Bay’s favorite golf-cart community. Popular Ozona restaurants, craft breweries, marinas, the Pinellas Trail, and the top-rated local elementary school are all within approximately 0.4 to 0.6 miles. Don’t miss this rare blend of luxury, waterfront convenience, and golf-cart-casual charm!

223 Pinecrest Drive, Palm Harbor
Lot 96 Blue Jay Circle, Palm Harbor
$250,000
Blue Jay Woodlands - Ph 2 SubDv. ⋅ 34683 Zip Code
Build your dream home on this prime waterfront homesite in Blue Jay Woodlands Phase 2, one of Palm Harbor’s most desirable communities. With direct Gulf access, this property offers exceptional boating potential — launch from your backyard and enjoy easy navigation to open water for fishing, island hopping, sunset cruises, and year-round waterfront living. Ideal for designing a custom home with dock and lift potential (buyer to verify), this lot is a rare opportunity in an established neighborhood where waterfront land is increasingly limited. Blue Jay Woodlands is known for its mature landscaping and convenient location just minutes from Lake Tarpon, John Chesnut Park, the Pinellas Trail, and the Gulf beaches of Honeymoon Island and Caladesi. Enjoy nearby marinas, waterfront dining, golf courses, and the charm of downtown Tarpon Springs and Dunedin — all while living in a peaceful residential setting. A true opportunity to secure Gulf-access land and create the ultimate Florida boating lifestyle.

Lot 96 Blue Jay Circle, Palm Harbor
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