992 SPINNAKER COURT, TARPON SPRINGS, FL, 34689
Active87 days on marketListed May 16, 2026MLS #L4961011
About this home
992 SPINNAKER COURT
New PRICE! Elevated coastal living meets timeless comfort in this beautifully reimagined villa nestled within one of Tarpon Springs’ peaceful, amenity-rich communities. Positioned as a highly sought-after end unit, this exceptional residence offers serene pond views, refined updates throughout, and a lifestyle designed around ease, recreation, and the charm of Florida living. Thoughtfully renovated with attention to detail, the home welcomes you with an airy open-concept design, complemented by hardwood flooring, new tile floors, and abundant natural light. Recent enhancements include a brand-new roof, fresh interior and exterior paint, designer fixtures, new bathroom vanities, and brand-new appliances, creating a seamless blend of sophistication and modern convenience. Beyond the interiors, a screened lanai overlooking tranquil water views provides the perfect backdrop for quiet mornings, evening conversations, or effortless indoor-outdoor living. Additional conveniences include a private storage unit near the dedicated parking space, offering practicality without sacrificing lifestyle. Residents enjoy exclusive access to an impressive collection of amenities including a resort-style community pool, pickleball and tennis courts, basketball courts, a fitness center, and a private clubhouse ideal for hosting celebrations and gatherings. Ideally located just minutes from Howard Park Beach, renowned waterfront dining, marinas, and the unique culture of Tarpon Springs — celebrated as the historic Sponge Capital of the World — this residence offers the rare opportunity to embrace a vibrant coastal lifestyle while enjoying the comfort of a quiet, friendly neighborhood. Adding further peace of mind, this home is located in an area where flood insurance is not required and has never experienced flooding during hurricanes. Move-in ready and meticulously refreshed, this is more than a home—it is an invitation to experience refined, low-maintenance living near Florida’s Gulf Coast. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,339
Sqft
0.04 ac
Lot size
1986
Year built
One
Levels
$246
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.
$2,672 /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
$2,974/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+34.3%
$/sqft vs Tarpon Springs actives
$246 vs $244
Days on market
87 vs 45 typical
Where $246/sqft sits among the 272 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
$433K → $400K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
149 of 272
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 3% below the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 992 SPINNAKER COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$340,000
1007 LAKE AVOCA DRIVE · same community
2 bd · 2 ba · 1,299 sqft · $262/sqft · 66 DOM
Sold · Nov ’25$290,000
1003 TEAL POINTE · same community
3 bd · 2 ba · 1,391 sqft · $208/sqft · 193 DOM
Sold · Apr ’26$370,000
1025 LAKE AVOCA PLACE · same community
3 bd · 2 ba · 1,433 sqft · $258/sqft · 81 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 992 SPINNAKER COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 992 SPINNAKER COURT — 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
992 SPINNAKER COURT FAQs
What would the monthly payment be for 992 SPINNAKER COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,672/mo — principal and interest, estimated property taxes, 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 992 SPINNAKER COURT?+
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 992 SPINNAKER COURT?+
The most recent tax bill on record (2025) was $0. 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 992 SPINNAKER COURT?+
The listing reports pets: Yes. 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 $329,000, this home is listed about 23% below the Tarpon Springs median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 992 SPINNAKER COURT?+
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
01Under the TARPON SPRINGS 34689 market on paper
$329,000 is 3% below the TARPON SPRINGS 34689 median of $339,500, and at $246/sqft it sits under the Tarpon Springs average of $269.
02Water views
The water 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 $362,000, now $329,000 — a $33K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Edith Madera, PLL. MLS #L4961011.
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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