4941 CARDINAL TRAIL, PALM HARBOR, FL, 34683
Active46 days on marketListed Jun 8, 2026MLS #TB8516860
About this home
4941 CARDINAL TRAIL
Move-in ready with a 2021 roof, 2021 HVAC, and the rare opportunity for eligible buyers to assume a transferable flood insurance policy with an annual premium of approximately $1,757. Located in the highly desirable, golf-cart-friendly Blue Jay Woodlands community, this 4-bedroom, 3-bath split-level home offers 2,175 square feet of flexible living space on an oversized corner lot just 0.1 miles from the residents-only boat ramp with Gulf access. Inside, vaulted ceilings, a wood-burning fireplace, and a private ground-level suite with its own entrance provide exceptional flexibility for multigenerational living, guests, a home office, or income-producing potential where permitted. Step outside to your fully fenced backyard featuring a saltwater pool, covered patio, and enclosed boat/toy storage. With major system updates already complete, versatile living spaces, boating access, EV charging, and long-term ownership value, this Palm Harbor home is ready to welcome its next owner
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,175
Sqft
0.18 ac
Lot size
2
Garage
1981
Year built
One
Levels
$239
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,119 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,119/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−16%
$/sqft vs Palm Harbor actives
$239 vs $259
Days on market
46 vs 42 typical
Where $239/sqft sits among the 400 Palm Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Palm Harbor. See the full Palm Harbor guide →
PALM HARBOR 34683 — neighborhood snapshot
Population
34,180
Median age
47.5
Median income
$90,037
Median home value
$424,200
Avg household
2.46
Households w/ children
3,432
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor market
$425K → $450K
Palm Harbor median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
208 of 400
Palm Harbor actives have cut their price
Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 4941 CARDINAL TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$605,000
76 GULFWINDS DRIVE
4 bd · 4 ba · 2,192 sqft · $276/sqft · 173 DOM
Sold · Jan ’26$615,000
100 GULFWINDS DRIVE W
4 bd · 3.5 ba · 2,114 sqft · $291/sqft · 8 DOM
Sold · Sep ’25$1,240,000
130 CARLYLE DRIVE
4 bd · 2 ba · 2,244 sqft · $553/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4941 CARDINAL TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4941 CARDINAL TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
4941 CARDINAL TRAIL FAQs
What would the monthly payment be for 4941 CARDINAL TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,119/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4941 CARDINAL TRAIL?+
The most recent tax bill on record (2025) was $8,018. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Harbor?+
At $520,000, this home is listed about 39% above the Palm Harbor median of $375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4941 CARDINAL TRAIL?+
Lake St. George Elementary School (elementary), Palm Harbor Middle School (middle), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$520,000 runs 27% above the PALM HARBOR 34683 median — but at 2,175 sqft it's also 49% larger than the typical Palm Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Lake St. George Elementary School, Palm Harbor Middle School, Palm Harbor University High — Lake St. George Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $530,000, now $520,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Sandra Kehoe. MLS #TB8516860.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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