849 CALLISTA CAY LOOP, TARPON SPRINGS, FL, 34689
Active15 days on marketListed Jul 9, 2026MLS #A4699413
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Sun, Jul 26
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About this home
849 CALLISTA CAY LOOP
Experience the ultimate maintenance-free coastal lifestyle in the highly sought-after gated waterfront community of Callista Cay in Tarpon Springs. One of the few townhomes in the area with no history of flooding during any hurricanes, this beautifully maintained end-unit also includes an assumable flood insurance policy, approximately $610 annually, providing added peace of mind and potential savings. Built in 2020, this spacious three-story home features 3 bedrooms, 2.5 bathrooms, and 1,828 square feet of thoughtfully designed living space. Built with Florida’s coastal lifestyle in mind, the home showcases hurricane-rated impact windows and sliding glass doors throughout, combining durability, security, and energy efficiency with effortless peace of mind. The oversized two-car garage includes an 8-foot-tall door to accommodate larger vehicles with extra space for golf carts, water toys, or a boat trailer, along with upper storage racks and additional under-stair storage. In addition the home is also future-ready with room in the garage for a potential elevator installation. The main living level offers an open-concept design ideal for entertaining. The chef's kitchen features solid wood soft-close cabinetry, quartz countertops, stainless steel appliances, an induction stove, and an extended center island with breakfast bar seating. A convenient half bath is located just off the kitchen, perfect for guests. The spacious living area opens to a screened balcony overlooking tranquil cypress trees and a peaceful pond, creating the perfect space for coffee in the morning or relaxing in the evening. Upstairs, the primary suite includes tray ceilings, a cozy alcove, an extended walk-in closet, and a newly remodeled en-suite bathroom (February 2025) featuring dual vanities and a linen closet. Two additional bedrooms share a Jack-and-Jill bathroom, while the upstairs laundry room offers added shelving and storage. This beautifully maintained end-unit townhome offers added privacy, abundant natural light from extra windows, and the peace of mind of an elevated interior location with no history of flooding during any hurricanes. Additional features include fire suppression sprinklers and an elevation certificate. Callista Cay offers a low-maintenance lifestyle with a gated entrance, community pool, clubhouse, and beautifully maintained grounds. Ideally located just minutes from the historic Sponge Docks, Fred Howard Park, Sunset Beach, local marinas, the Pinellas Trail, waterfront dining, antique and boutique shopping, and downtown Tarpon Springs, this exceptional end-unit combines the best of Florida's boating lifestyle with the security and peace of mind of an elevated interior location.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,828
Sqft
0.06 ac
Lot size
2
Garage
2020
Year built
Three Or More
Levels
$224
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 and the real association fee — not generic estimates.
$3,745 /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
$3,745/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
−0.7%
$/sqft vs Tarpon Springs actives
$224 vs $245
Days on market
15 vs 48 typical
Where $224/sqft sits among the 276 Tarpon Springs 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 Tarpon Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tarpon Springs. See the full Tarpon Springs guide →
TARPON SPRINGS 34689 — neighborhood snapshot
Population
27,007
Median age
55.7
Median income
$66,523
Median home value
$311,500
Avg household
2.15
Households w/ children
1,849
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tarpon Springs market
$486K → $385K
Tarpon Springs median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
149 of 276
Tarpon Springs actives have cut their price
Median sold price, Tarpon Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 849 CALLISTA CAY LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$475,000
876 CALLISTA CAY LOOP · same community
3 bd · 2.5 ba · 1,828 sqft · $260/sqft · 345 DOM
Sold · Sep ’25$500,000
870 CALLISTA CAY LOOP · same community
3 bd · 2.5 ba · 1,802 sqft · $277/sqft · 4 DOM
Sold · Jan ’26$400,000
838 CALLISTA CAY · same community
3 bd · 2.5 ba · 2,222 sqft · $180/sqft · 39 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 849 CALLISTA CAY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 849 CALLISTA CAY LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
849 CALLISTA CAY LOOP FAQs
What would the monthly payment be for 849 CALLISTA CAY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,745/mo — principal and interest, the actual property-tax bill, the $430/mo association fee 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.
How much are the HOA fees at 849 CALLISTA CAY LOOP?+
The association fee works out to $430 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 849 CALLISTA CAY LOOP?+
The most recent tax bill on record (2025) was $6,796. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 849 CALLISTA CAY LOOP?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Tarpon Springs?+
At $409,000, this home is listed about 4% below the Tarpon Springs median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 849 CALLISTA CAY LOOP?+
Tarpon Springs High School (high), Tarpon Springs Middle School (middle), Sunset Hills Elementary School (elementary) — 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
$409,000 runs 24% above the TARPON SPRINGS 34689 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Tarpon Springs High School, Tarpon Springs Middle School, Sunset Hills Elementary School — Sunset Hills Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $420,000, now $409,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Melanie Cornish. MLS #A4699413.
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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