3817 NICHOLAS CIRCLE, TARPON SPRINGS, FL, 34688
Active69 days on marketListed May 25, 2026MLS #O6410747
About this home
3817 NICHOLAS CIRCLE
WOW, THIS PROPERTY HAS IT ALL!! Privately situated on a cul de sac in one of the most sought after neighborhoods in Pinellas County, Whispering Lakes, this house has all the key features for you...LOCATION, SIZE, VALUE, and of course, PRICE. This 4 bedroom, 3 bath, 2 car garage property has 2186 square feet of living space PLUS another 482 square foot enclosed and vented patio/porch, PLUS it sits on a 1.17 acre lot that is fenced in, and backs up to an enormous private community lake...What a spectacular lake front view! Fish or just sit and enjoy the serenity on your private step down wood deck, or lounge around the screened-in pool. The whole lot is professionally landscaped with a sprinkler system that draws from the lake, hence no big water bills. It even has a fruit bearing Avocado tree. A new roof was installed in 2017, and has an 'inside and out, no leak, transferable' guarantee. A new Rheem 4 ton dual stage high efficient full HVAC system was installed less than a year ago in August, 2025. On top of that, and to make sure the air quality in the home is the best possible, ALL new DUCT WORK in the ENTIRE HOUSE, with 19 separate drops/vents was installed last September, 2025. Breath easy...no mold! In September, 2024, a Triple Track, double pane, water proof slider was installed between the enclosed patio, and the pool. The kitchen has a separate eating area, granite counter tops, and comes complete with a new french door refrigerator, new flat top stove/oven, dishwasher, and a new, over the stove microwave. The inside laundry room includes a newer washer and dryer. There are ceiling fans in every room, and the house is totally tiled for easy maintenance. The family room features a working electric fire place that can also be used as a wood burning fireplace. This property in Whispering Lakes, is located in unincorporated Pinellas County, and is NOT in a flood zone or evacuation zone. All the schools in this area are A-rated. The Whispering Lakes community has its own park with a covered picnic area, basketball hoops, and even 2 pickelball courts. The HOA fee is only $99, and covers all common ground areas, the park, street lighting, AND 2 times per week trash pickup. There is also a recycling pickup once a week. Remember LOCATION, SIZE, VALUE, and PRICE...This OUTSTANDING property HAS IT ALL!!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,668
Sqft
1.17 ac
Lot size
2
Garage
1987
Year built
One
Levels
$238
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.
$4,212 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,212/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−8.1%
$/sqft vs Tarpon Springs actives
$238 vs $246
Days on market
69 vs 48 typical
Where $238/sqft sits among the 271 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 34688 — neighborhood snapshot
Population
8,767
Median age
50.4
Median income
$111,090
Median home value
$477,100
Avg household
2.62
Households w/ children
894
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)
145 of 271
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 119% above the TARPON SPRINGS 34688 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 3817 NICHOLAS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$575,000
573 WHISPERING LAKES BOULEVARD · same community
5 bd · 3 ba · 2,856 sqft · $201/sqft · 14 DOM
Sold · Mar ’26$800,000
3843 GEORGIA COURT · same community
3 bd · 3 ba · 3,170 sqft · $252/sqft · 7 DOM
Sold · Mar ’26$520,000
3853 SUNRISE LANE · same community
3 bd · 2 ba · 1,828 sqft · $284/sqft · 152 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 3817 NICHOLAS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3817 NICHOLAS CIRCLE — 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
3817 NICHOLAS CIRCLE FAQs
What would the monthly payment be for 3817 NICHOLAS CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,212/mo — principal and interest, the actual property-tax bill, the $99/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 3817 NICHOLAS CIRCLE?+
The association fee works out to $99 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3817 NICHOLAS CIRCLE?+
The most recent tax bill on record (2025) was $3,526. 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 3817 NICHOLAS CIRCLE?+
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 $634,000, this home is listed about 49% above the Tarpon Springs median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3817 NICHOLAS CIRCLE?+
Brooker Creek Elementary School (elementary), East Lake High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$634,000 runs 119% above the TARPON SPRINGS 34688 median — but at 2,668 sqft it's also 62% larger than the typical Tarpon Springs listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Brooker Creek Elementary School, East Lake High School, Tarpon Springs Middle School — Brooker Creek Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6410747.
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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