121 BAY STREET, TARPON SPRINGS, FL, 34689
Active15 days on marketListed Jul 24, 2026MLS #O6426847
About this home
121 BAY STREET
Waterfront Duplex with Beautiful Lake Views in the Heart of Tarpon Springs! Discover this charming and well-maintained duplex offering a peaceful waterfront setting with serene lake views. Each cozy unit features a comfortable layout filled with natural light, creating a warm and inviting atmosphere. Whether you’re looking for an income-producing investment, an owner-occupied property with rental income, or a multi-generational living opportunity, this property offers exceptional flexibility. Unit A is vacant and move-in ready, while Unit B is tenant occupied, providing immediate rental income. Conveniently located just minutes from the famous Sponge Docks, downtown Tarpon Springs, shopping, restaurants, parks, beaches, and major roadways. Enjoy the perfect combination of waterfront living, investment potential, and Florida charm!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,456
Sqft
0.12 ac
Lot size
1953
Year built
One
Levels
$295
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 — not generic estimates.
$3,153 /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
$3,153/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.
$/sqft vs Tarpon Springs actives
$295 vs $244
Days on market
15 vs 46 typical
Where $295/sqft sits among the 264 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)
147 of 264
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 37% 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 121 BAY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$435,000
410 W LEMON STREET · same community
3 bd · 2 ba · 1,507 sqft · $289/sqft · 23 DOM
Sold · Jan ’26$255,000
410 W LEMON STREET · same community
3 bd · 2 ba · 1,507 sqft · $169/sqft · 21 DOM
Sold · Nov ’25$405,000
315 S SPRING BOULEVARD · same community
2 bd · 2 ba · 1,320 sqft · $307/sqft · 69 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 121 BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 BAY STREET — 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
121 BAY STREET FAQs
What would the monthly payment be for 121 BAY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,153/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 121 BAY STREET?+
The most recent tax bill on record (2025) was $3,297. 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 121 BAY STREET?+
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 $429,500, this home is listed about 1% below the Tarpon Springs median of $434,900. The market section on this page shows how the area is trending.
Which schools are assigned to 121 BAY STREET?+
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
Three things that matter here
01Positioned at the premium end
$429,500 runs 37% above the TARPON SPRINGS 34689 median.
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.
Keep looking
Similar homes nearby
Listing courtesy of EXIT GLOBAL REALTY · Maria Lammoglia. MLS #O6426847.
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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