4940 CARDINAL TRAIL, Palm Harbor, FL, 34683 | $3,500

Rare Opportunity to Lease a Move-In Ready Coastal Gem in Palm Harbor! Located in the highly desirable Blue Jay Woodlands community, this beautifully updated 3-bedroom + bonus room, 2-bath home offers EXCLUSIVE easement access to a nearby private canal ramp—providing convenient Gulf access, a rare perk in this area. This elevated, no-flood-zone property is just minutes from top-rated Tarpon Springs schools, Gulf beaches, the Pinellas Trail, and downtown Palm Harbor. Only 5 minutes from Innisbrook Resort, home of the annual Valspar Championship, and close to renowned golf courses, AdventHealth North Pinellas, and major commuter routes. Inside, the bright and open floor plan features wood-look ceramic tile, skylights, and an updated fireplace. The fully renovated kitchen is a standout—complete with granite countertops, stainless steel appliances, a large island, and a custom coffee bar, perfect for everyday living and entertaining. The primary suite includes a walk-in closet with built-in safe, a modern en-suite bath, and French doors opening to a private, enclosed patio. The flexible bonus room can serve as a home office, gym, guest room, or additional bedroom. Outdoors, enjoy a fenced backyard retreat with a paver patio, enclosed lanai, wood deck, and heated spa—ideal for relaxed evenings or casual entertaining. There’s also a manageable green space ready for your personal touch—add a garden, lounge area, or grill station. Pet-friendly with built-in doggy doors! Additional upgrades include a 2024 roof, 2025 gutters, UV-tinted windows, water softener, and a modern laundry room with washer/dryer and utility sink. Community perks include an optional $65/year HOA offering a clubhouse, playground, neighborhood events, and a new multi-sport/pickleball court coming soon.

LEASE TERMS: Long-term lease preferred, with shorter-term options available at adjusted rates. A non-refundable pet fee applies, along with a recurring monthly pet charge. Applicants must meet 650 credit score and 2. 5x monthly income. A comprehensive background and credit check will be conducted as part of the application process. At lease signing, first month’s rent, last month’s rent, and a security deposit will be required. Renters insurance will also be required.

Live the Florida lifestyle near Honeymoon Island, Fred Howard Park, the Pinellas Trail, and Tarpon Springs Sponge Docks. This home is turnkey and ready for its next resident—schedule your private tour today!

Features

  • Type: Single Family Residence
  • Rooms: 12
  • Bedrooms: 4
  • Baths: 2 full
  • Lot Size: 66 x 95
  • Laundry: Laundry Room
  • Year Built: 1987
  • Garage: 2-car AirplaneHangar
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,010
  • Acreage: 0.14
  • Lot Size: 66 x 95
  • Lot Desc: Near Golf Course, Near Marina, Private
  • Elem. School: Tarpon Springs Elementary-PN
  • Middle School: Tarpon Springs Middle-PN
  • High School: Tarpon Springs High-PN
  • Pet Policy: Breed Restrictions, Cats OK, Dogs OK, Monthly Pet Fee, Pet Deposit
  • Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener, Wine Refrigerator
  • Lease Terms: 12 Months
  • MLS#: TB8377945
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/TB8377945/4940cardinaltrail_palmharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/25/2025 4:37:01 AM)
Listing courtesy of Dalton Wade Inc   Phone: 888-668-8283

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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4940 CARDINAL TRAIL, Palm Harbor, FL, 34683

$3,500

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $2,800 $2,800 $2,800
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.050% 6.152%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $18 $18 $23
Total Monthly Payment $93 $93 $98

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.