Palm Harbor Homes with Canal - Saltwater Frontage

Palm Harbor Homes with Canal - Saltwater Frontage

Welcome to Palm Harbor, Florida—a picturesque gem nestled in the heart of Pinellas County. Known for its stunning waterfront views, vibrant community, and lush landscapes, Palm Harbor offers a unique blend of suburban charm and coastal elegance. This delightful city is not just a place to live; it’s a lifestyle defined by sunshine, outdoor activities, and a warm, welcoming atmosphere.

One of the most appealing features of Palm Harbor is its array of homes with canal and saltwater frontage. Imagine waking up to breathtaking views of the water, where the gentle lapping of waves creates a serene backdrop for your daily life. These properties provide direct access to the sparkling waters of the Gulf of Mexico, making them ideal for boating enthusiasts, fishing aficionados, or anyone who simply enjoys the tranquility of waterfront living.

Palm Harbor’s canals are perfect for launching your kayak or paddleboard, while the nearby beaches beckon for sun-soaked days filled with sand and surf. The community is rich with parks, walking trails, and recreational facilities that cater to both adventure seekers and those looking to unwind in nature.

In addition to its natural beauty, Palm Harbor boasts a vibrant downtown area with charming shops, delightful eateries, and a strong sense of community. With top-rated schools and a variety of family-friendly activities, it’s no wonder that Palm Harbor is a sought-after destination for families and retirees alike.

Come explore the enchanting homes with canal and saltwater frontage in Palm Harbor, where your dream waterfront lifestyle awaits!

Newest Palm Harbor Homes with Canal - Saltwater Frontage

$279,000
1 Beds ⋅ 1 Baths ⋅ Baywood On The Gulf 1 Condo SubDv. ⋅ 34683 Zip Code
WATERFRONT + PRIVATE DOCK + DIRECT GULF ACCESS! This charming Palm Harbor villa-style condo is truly one of a kind! 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
$979,000
3 Beds ⋅ 2 Baths ⋅ Ozona Shores 3rd Add SubDv. ⋅ 34683 Zip Code
Virtually Staged. Ozona Waterfront Stunner – Golf Cart Lifestyle! Experience the ultimate turnkey waterfront lifestyle in the golf-cart-legal community of coveted Ozona. This exceptional residence features over $200,000 in recent high-end upgrades, offering a private resort-style sanctuary. Launch your boat directly from your private dock, complete with newer composite wood decking and a brand-new seawall, providing a direct gateway to Honeymoon Island, Caladesi Island, and Clearwater Beach. Exquisite Interior & Upgrades... Inside, an open floor plan seamlessly merges 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. Cruise effortlessly from your driveway to multiple marinas, popular local eateries, craft breweries, the Pinellas Trail, and the top-rated local elementary school. With a nearby bridge being raised to accommodate larger vessels, your boating access is better than ever. Don't miss this rare blend of luxury, waterfront convenience, and golf-cart-casual charm!

223 Pinecrest Drive, Palm Harbor
$745,000
3 Beds ⋅ 2 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
Experience the ultimate Florida waterfront lifestyle in this beautifully renovated coastal retreat, perfectly situated on an oversized pie-shaped lot at the end of a quiet private cul-de-sac. Boasting more than 155 feet of waterfront, this exceptional property offers direct Gulf access and is a dream come true for boaters, anglers, and anyone who loves life on the water. Step outside to your private backyard paradise featuring a brand-new oversized composite dock complete with a 15,000lb boat lift, making it effortless to launch your next adventure. A new seawall cap provides added peace of mind, while the expansive waterfront offers plenty of room to relax, entertain, and soak in the coastal scenery. Inside, this home has been completely transformed with quality updates throughout. Major improvements include new roof (2022), new HVAC system and ductwork (2023), double-pane PVC windows and sliding glass doors, luxury vinyl plank flooring throughout, fresh interior paint, a newer paver driveway, a stunning new kitchen, and beautifully updated bathroom vanities. Don't let the front fool you, this home is remarkably spacious inside. The bright, open floor plan is filled with natural light thanks to walls of sliding glass doors that seamlessly connect the living area to the expansive wraparound screened porch, creating the perfect space for year-round indoor-outdoor entertaining. The thoughtfully designed split-bedroom layout provides privacy for family and guests. The oversized primary bedroom serves as a peaceful retreat, featuring a custom walk-in closet and a beautifully appointed en-suite bath with dual vanities. The heart of the home is the open-concept kitchen, complete with granite countertops, a center island, abundant cabinetry, and a layout designed for gathering with family and friends. Location is everything, and this home truly has it all. Enjoy direct Gulf access for boating, fishing and diving enthusiasts. You're also less than an hour from two major airports, making travel convenient for full-time residents and seasonal homeowners alike. Surrounded by some of Pinellas County's most desirable destinations, you'll be just minutes from the historic Tarpon Springs Sponge Docks, vibrant downtown Dunedin, Palm Harbor, Ozona, Crystal Beach, Honeymoon Island, Caladesi Island, and countless waterfront restaurants, parks, beaches, and shopping destinations. Every nearby community offers its own unique charm and coastal character. The neighborhood enhances the lifestyle even further with a private community boat ramp and direct access to the Pinellas Trail, perfect for biking, walking, and enjoying Florida's beautiful outdoors. Whether you're searching for a full-time waterfront residence, a seasonal escape, or the perfect place to enjoy boating and coastal living, this exceptional property delivers it all. Florida waterfront living truly doesn't get any better than this. Boat and trailer may be available for purchase separately and can be negotiated as part of the sale.

318 Circle Drive, Palm Harbor
$1,459,000
5 Beds ⋅ 4 Baths ⋅ Indian Bluff Island SubDv. ⋅ 34683 Zip Code
WATERFRONT!! GULF ACCESS!! NO HOA!!This is a spectacular, fully updated waterfront home at 105 Augusta Ave on Indian Bluff Island! ,stands as a prime example of high-end Palm Harbor coastal living.A masterful achievement of concept and design, this stunning custom remodeled 2-story WATERFRONT residence is truly an oasis of serenity, breathtaking waterway views of the Gulf of Mexico from most every room showcases exquisite craftsmanship & cutting edge design. Seamlessly integrated indoor/outdoor spaces with a 2nd floor master TPO finished balcony which affords gorgeous rooftop sunsets over the Gulf of Mexico, 95' of waterfront, private dock with 10,000 lb. lift (2025) & an additional skiff lift, standing seam galvalume metal roof (2023), 2 A/C (2024), aluminum frosted glass modern garage door (2023), impact & hurricane resistant double pane doors & windows (2022), paver drive, 2 rear paver patios perfect for entertaining. This 5-bedroom, 4 bath home is illuminated by natural light, luxury vinyl floors, ship lap details offers an oasis of serenity. Culinary kitchen: stainless appliances, quartz countertops, white shaker cabinets, marble backsplash, platinum pulls. new aplliances completely remodeled first floor in 2025 2-1st floor bedrooms - wall closets - plantation shutters - adjoining bathroom: glass door tub/shower, quartz top counter. Interior laundry. Powder room - glass shower. Glass railing floating staircase ascends to the 2nd floor master suite: cathedral ceiling, wall closets, double glass slider opens onto the balcony which overlooks the Gulf of Mexico. Sumptuous master bath, his & her vanities, quartz tops, shaker cabinets, walk-in subway tile shower, H20 closet. 2-additional bedrooms. Adjacent full bath glass door walk-in subway tile shower - quartz top vanity. Professionally landscaped, sprinkler reclaimed, water softener, epoxy finished 2-car courtyard garage. Palm Harbor boasts 210-acre Wall Springs Park including a natural spring, minutes to the Sponge Docks, Pinellas county trail. Minutes to both Honeymoon and Caladesi Islands activities such as windsurfing, sailing, kayaking, paddle boarding, fishing, jet skiing or relaxing on our sugary fine sand, not to mention craft breweries, restaurants, fine dining & ice cream. Waterfront & Outdoor Highlights Deepwater Access: 95 feet of saltwater canal frontage leading straight to the Gulf of Mexico. Boater's Setup: Private wood dock equipped with a 10,000 lb. boat lift (installed in 2025) plus an additional skiff lift. Outdoor Living: Multiple rear paver patios and a massive second-story master balcony designed for catching Gulf sunsets. Roof: Standing seam galvalume metal roof (2023). Windows & Doors: Full hurricane/impact-resistant double-pane doors and windows (2022).HVAC: Dual A/C systems (2025) Garage: Modern aluminum frosted glass door (2023) on a 2-car courtyard garage with epoxy floorin Premium Interior Details Layout: 5 bedrooms and 4 bathrooms spread across 2,545 sq. ft. of heated living , completely remodeled first floor with new bathrooms, Primary Suite: Features cathedral ceilings, a custom floating glass staircase entrance, and a sumptuous master bath with walk-in subway tile showers and dual vanities.Schools: Zoned for top-rated schools including Palm Harbor University High School.Recreation: Minutes from Wall Springs Park, the Pinellas Trail, Honeymoon Island, and Caladesi Island state parks.

105 Augusta Avenue, Palm Harbor
$574,900
3 Beds ⋅ 2 Baths ⋅ Baywood Village Sec 2 SubDv. ⋅ 34683 Zip Code
Virtually Staged. If you’ve been searching for that true Palm Harbor waterfront lifestyle with Gulf access, this is the one that feels like home the second you pull in. Welcome to Baywood Village — a laid-back waterfront community where golf carts, boats, sunsets, and weekends on the water are just part of everyday life. Tucked away on a saltwater canal with Gulf access, this 3-bedroom, 2-bathroom home has been beautifully updated while still keeping that relaxed coastal feel everyone is looking for in Palm Harbor. Whether it’s mornings on the dock with coffee or evenings around the fire pit after a day on the boat, this property was made for enjoying the Florida lifestyle. Inside, the heart of the home is the renovated kitchen, stainless steel appliances, modern finishes, and an open layout that flows comfortably into the main living spaces. Additional upgrades throughout the home include a whole-house water softener, brand-new thermostat, and updated electrical outlets. The flexible bonus space gives you plenty of options for a home office, second living area, or entertaining space overlooking the water. Out back, the enclosed patio opens to your private backyard oasis shaded by mature mango and olive trees, creating the perfect setting to unwind after a day on the Gulf. The primary suite offers a peaceful retreat with an updated en-suite bathroom featuring a walk in shower while the guest bathroom has also been tastefully updated with dual sinks, jacuzzi tub, and contemporary finishes. The HOA is optional, giving homeowners added flexibility while still offering access to a wonderful waterfront community. Complete with a 2-car garage, private dock, and direct Gulf access, this move-in ready waterfront home gives you the opportunity to enjoy everything people love about living in Baywood Village and the Palm Harbor boating lifestyle.

344 Crosswinds Drive, Palm Harbor
$509,900
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.

231 Lagoon Drive, 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
$649,000
2 Beds ⋅ 2 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
DEEP WATER ACCESS – ELEVATED FLORIDA WATERFRONT LIVING AT AN AFFORDABLE PRICE! Positioned on a wide, deep saltwater canal with no bridges, this waterfront residence offers direct, unobstructed access to the Gulf of Mexico. The home’s distinctive canal placement provides a broader visual corridor and a more expansive water perspective than typical canal properties, creating an open, refined coastal feel. An extra-large private dock (approximately 24’ x 12’) and a 10,000 lb boat lift make this property ideal for enjoying effortless Gulf access. Perfect for boating, jet skis, kayaks, and embracing the Florida waterfront lifestyle. The home features 2 bedrooms, 2 bathrooms, and a bonus room ideal for a home office, flex space, or additional living area. A functional garage adds convenience and storage. The well-designed layout offers comfortable living with the opportunity to personalize or enhance. Located in highly desirable Palm Harbor, close to top-rated schools, shopping, dining, parks, and popular destinations including Ozona, Tarpon Springs, and Innisbrook Golf Resort. Enjoy easy access to beaches, the Pinellas Trail, Clearwater, Dunedin, Tampa, and St. Petersburg. A rare opportunity to enjoy deep-water, no-bridge Gulf access, an oversized dock, and exceptional value in a prime coastal location.

311 Morningside Drive, Palm Harbor
$725,000
3 Beds ⋅ 2 Baths ⋅ Baywood Village SubDv. ⋅ 34683 Zip Code
BACK ON MARKET after FULL HOME REMODEL Spring 2026! Move-in Ready! HIGH & DRY — This elevated waterfront home did NOT flood during the 2024 hurricanes! Welcome home to this 3-bedroom, 2-bath waterfront beauty located in a true boater’s paradise. The deep-water canal behind the home provides direct Gulf access and features a private boat lift. Enjoy the tropical atmosphere, friendly coastal community, and unbeatable location. Step through the beautiful front door into this lovingly maintained, original-owner residence. The open layout features BRAND NEW 2026 LVP flooring and stunning views of the pool and waterfront. The spacious kitchen offers freshly painted wood cabinetry, BRAND NEW 2026 quartz countertops, a new subway tile backsplash, and stainless steel appliances — including a NEW refrigerator and hood (2026). The inviting living room features a fireplace and sliding glass doors leading to the private pool overlooking the canal. Retreat to the primary suite featuring a private entry area, large walk-in closet, direct pool access, brand new carpet, and a newly renovated 2026 ensuite bath — offering endless possibilities to create your dream luxury retreat. The split floor plan includes a second private bedroom with brand new carpet and a newly renovated 2026 full guest bath. There is also a third room with a closet that can function as an office, small bedroom, den, playroom, or — as currently used by the owner — a music room. Enjoy fishing or watching dolphins play right from your backyard. The pool was resurfaced with PebbleTec in 2021. Additional major updates include a new roof (2023), new garage door and opener (2024), new water heater (2025), brand new soffit, fascia, and gutters installed in December 2025, plus a NEW kitchen, bathrooms, flooring, fixtures, and fresh interior paint completed in Spring 2026. Additional features include a two-car garage, oversized driveway, and a concrete pad perfect for a boat trailer or RV. Located in Baywood Village, a welcoming coastal community offering a boating club and water activities for residents, all just minutes from the Pinellas Trail, Tarpon Springs, and beautiful white-sand beaches.

212 Westwinds Drive, Palm Harbor
Start Your Search