420 MOORINGS COVE DRIVE UNIT 420, TARPON SPRINGS, FL, 34689
Active455 days on marketListed May 19, 2025MLS #TB8386780
About this home
420 MOORINGS COVE DRIVE UNIT 420
The HOA and contractor stated rehab construction work, bringing the unit back to new move-in-ready condition, will be completed hopefully by end of July 2026. This 2-bedroom, 2-bathroom waterfront condo offers a unique opportunity. The condo was flooded by Hurricane Helene's storm surge and remediated shortly after the storm. The community insurance through the Homeowners Association is covering a complete renovation. At this price a water view of the canal that leads to the Gulf of America is rare! (Interior finishes have been picked out and are expected to be completed in 2026) The new General Contractor is now responsible for completing the restoration to move-in-ready condition. The Upgrades include: Electrical Main Panel,Granite countertop, Vinyl Plank Flooring Throughout, Solid wood cabinets and doors in the kitchen and bathrooms. A new AC System has been installed. The primary bedroom en suite will feature a walk-in shower. Contact the HOA for complete renovation details and seize this chance to own a newly remodeled waterfront condo with direct water access at a discounted price! *** Year-round Boat Docking *** The $812/month HOA fee includes mooring your boat in the canal. Helping to eliminate wasted time and money. Boat Slip Assignment Details: The boat slip is not deeded, but the next owner must request any available slip in writing by submitting a request form to the HOA/Management company. If the slip space is available, approval is typically expedited; otherwise, the next closest slip can be requested. Additional services included in the HOA monthly fee:Community Pool, Escrow Reserves Fund, Insurance, Internet, Maintenance Exterior, Manager, Pool Maintenance, Sewer, Trash, Water
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,020
Sqft
7.1 ac
Lot size
1976
Year built
One
Levels
$167
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.
$2,251 /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
$2,251/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
−10%
$/sqft vs Tarpon Springs actives
$167 vs $244
Days on market
455 vs 46 typical
Where $167/sqft sits among the 283 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)
158 of 283
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 51% 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 420 MOORINGS COVE DRIVE UNIT 420
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$177,000
377 MOORINGS COVE DRIVE UNIT 9H · same community
2 bd · 2 ba · 1,020 sqft · $174/sqft · 13 DOM
Sold · Sep ’25$170,000
432 MOORINGS COVE DR. UNIT 432 · same community
2 bd · 2 ba · 1,020 sqft · $167/sqft · 182 DOM
Sold · Sep ’25$155,000
355 MOORINGS COVE DRIVE UNIT 355 · same community
2 bd · 2 ba · 1,020 sqft · $152/sqft · 173 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 420 MOORINGS COVE DRIVE UNIT 420 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 MOORINGS COVE DRIVE UNIT 420 — 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
420 MOORINGS COVE DRIVE UNIT 420 FAQs
What would the monthly payment be for 420 MOORINGS COVE DRIVE UNIT 420?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,251/mo — principal and interest, the actual property-tax bill, the $812/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 420 MOORINGS COVE DRIVE UNIT 420?+
The association fee works out to $812 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 MOORINGS COVE DRIVE UNIT 420?+
The most recent tax bill on record (2024) was $2,433. 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 420 MOORINGS COVE DRIVE UNIT 420?+
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 $170,000, this home is listed about 60% below the Tarpon Springs median of $429,950. The market section on this page shows how the area is trending.
Which schools are assigned to 420 MOORINGS COVE DRIVE UNIT 420?+
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
Five things that matter here
01Under the TARPON SPRINGS 34689 market on paper
$170,000 is 51% below the TARPON SPRINGS 34689 median of $344,000, and at $167/sqft it sits under the Tarpon Springs average of $268.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $812/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
455 days on market against a Tarpon Springs median of 46 — sellers in this position are usually ready to negotiate.
05Strong 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 LIPPLY REAL ESTATE · Paul Fernandes. MLS #TB8386780.
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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