4941 CARDINAL, PALM HARBOR, FL, 34683

About This Property

POOL HOME + ENCLOSED BOAT STORAGE + GULF ACCESS + PRIVATE SUITE | Blue Jay Woodlands (Baywood Village) >> Some homes check a box. This one checks the list you didn't know you had. << Nestled in Blue Jay Woodlands — a quiet, established, golf-cart-friendly community in the heart of the North Pinellas coastal corridor — this oversized corner-lot home delivers the full Florida lifestyle at a fraction of the cost and complexity of direct waterfront ownership. | THE WATER | A residents-only community boat ramp sits approximately 0.1 miles from the front door with direct Gulf of Mexico access. Enclosed boat parking is built into the property footprint. You get the boating lifestyle — without the waterfront insurance exposure. | INSURANCE ADVANTAGE | Active, transferable NFIP flood insurance policy in place (Zone AE). In a market where new flood policies are increasingly difficult and expensive to secure, this is a tangible financial advantage that conveys with the home. Coverage is already in place — ready to transfer at closing. Peace of mind from day one. | STRUCTURAL CONFIDENCE | Roof: 2021 | HVAC: 2021 | Exterior Paint: 2023 | Electrical Panel: Updated. The major capital items have been addressed — move in and enjoy. | SPACE + FLEXIBILITY | Public record reflects 2,175 heated sq ft. A climate-controlled garage conversion brings functional interior space to approximately 2,400 sq ft under air — buyer to verify; see floor plans. Vaulted ceilings. Dedicated family room. Separate living areas. Flexible bonus space. EV charging installed. The ground-level private suite — with its own entrance and full bath — is the feature that changes the conversation. In-laws. Adult children. Extended guests. Rental income potential. Real separation. Real privacy. Real optionality. | THE BACKYARD | Private saltwater pool. Covered patio. Fully fenced yard. Mature palms. 7,928 sq ft corner lot with rear balcony access and an adjacent enclosed outdoor area purpose-built for boat or toy storage. This is the backyard Florida was made for. | LOCATION | 0.5 mi to Pinellas Trail | 3.0 mi to Sunset Beach | 3.9 mi to Fred Howard Park | 3 mi to Downtown | 2.5 mi to Tarpon Springs Sponge Docks | 6 mi to Dunedin | Zoned: Sunset Hills Elementary — Tarpon Springs Middle — Tarpon Springs High | 2.3 mi to Tarpon Springs Fundamentals Magnet School (application-based) | OPTIONAL HOA | HOA participation is optional — no deed restrictions. Full recreational flexibility on your terms. | Pool. Boat storage. Gulf access. Updated systems. Transferable flood policy. Private suite. Golf-cart-friendly neighborhood. Corner lot. This is the one that does it all — without asking you to compromise on any of it. IMPORTANT: Florida Housing down payment assistance available — TBA Freddie Mac conventional and VA loan programs. Hometown Heroes anticipated July 2026. Consult with your agent or an authorized lender for eligibility.