632 CROSS STREET, TARPON SPRINGS, FL, 34689
Active298 days on marketListed Oct 15, 2025MLS #TB8438161
About this home
632 CROSS STREET
FANTASTIC OPPORTUNITY TO OWN A DOUBLE LOT WITH HOME JUST 1 BLOCK OFF THE SPONGE DOCKS! POTENTIAL FOR BUSINESS ACTIVITY GALORE EXISTS! ZONING IS T4, CURRENTLY USED AS A RESIDENTIAL HOME, HOWEVER, T4 ZONING AUTOMATICALLY ALLOWS MANY COMMERCIAL USES THAT DO NOT REQUIRE A ZONING CHANGE. ONCE IN A LIFETIME GOLDEN TICKET OPPORTUNITY WITH SPECIAL T4 ZONING THAT ALLOWS YOU TO HAVE HOME & BUSINESS CONVERT TO BUSINESS! MANY BUSINESS USES OR KEEP IT AS A RESIDENTIAL HOME! T4 ZONING AUTOMATICALLY ALLOWS MULTIPLE TYPES OF BUSINESSES MAKING THIS A VERY RARE, VERY VALUABLE PROPERTY ON 2 LOTS! SEE OR ASK AGENT TO PROVIDE THE T4 USE ALLOWANCES FOR YOUR SPECIFIC NEEDS! NEW ATTIC INSULATION INSTALLED 1/13/2025. TERMINEX TRAPS FOR FULL PROTECTION AND INSPECTED 2/11/2025. ANNUAL EXCLUSION INSPECTION FOR PESTS, RODENTS, TERMITES AND FOUND CLEAR! WHEN CENTRAL HVAC WAS INSTALLED ALL NEW DUCTWORK WAS INSTALLED AS WELL! THIS IS A TRUE 3 BEDROOM WITH PLENTY OF STORAGE! CAN YOU BELIEVE THIS HOME HAS BEEN IN THE FAMILY FOR OVER 90 YEARS AND WAS CUSTOM BUILT TO LAST FOREVER! AS THEY SAY LOCATION IS EVERYTHING...THIS PROPERTY IS LOCATED IN THE HUB OF TARPON SPRINGS WITH ALL OF THE GREEK CULTURE AND FLAVORS OF THE SPONGE DOCKS! PLENTY OF TOURIST SHOPS, AUTHENTIC GREEK EATERIES, HISTORICAL SITES & COMMERCIAL SPONGE OR DOLPHIN EXCURSION DOCKS JUST A STEP AWAY! THIS IS TRULY A ONCE IN A LIFETIME OPPORTUNITY TO OWN A PIECE OF HISTORY AND BE A PART OF THE ART & CULTURE FOUND IN THIS SPECTACULAR PART OF TOWN! DID YOU KNOW TARPON SPRINGS IS KNOWN AS THE "SPONGE CAPITAL OF THE WORLD" AND ALSO "GREEKTOWN"! IMAGINE LIVING & WORKING IN THIS AMAZING ENVIRONMENT WITH ALL OF THE SIGHTS & SMELLS OF THE GREEK WORLD MEET THE GORGEOUS FLORIDA SUNSHINE & BLUE HARBOR WATERWAYS! TARPON SPRINGS OFFERS A UNIQUE BLEND OF HISTORY, NATURE AND COASTAL CHARM!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,138
Sqft
0.13 ac
Lot size
1935
Year built
One
Levels
$411
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.
$3,173 /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
$3,173/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
+97.7%
$/sqft vs Tarpon Springs actives
$411 vs $244
Days on market
298 vs 46 typical
Where $411/sqft sits among the 269 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 Greektown
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tarpon Springs. See the full Tarpon Springs guide →
Greektown — neighborhood snapshot
Population
663
Median age
52
Median income
$125,558
Median home value
$13,058
Avg household
2
Households w/ children
33%
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)
145 of 269
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 46% 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 632 CROSS STREET
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$130,000
39820 US HIGHWAY 19 N UNIT 222
2 bd · 2 ba · 1,144 sqft · $114/sqft · 153 DOM
Sold · Mar ’26$175,000
1728 GOLFVIEW DRIVE UNIT 1728
2 bd · 2 ba · 1,125 sqft · $156/sqft · 132 DOM
Sold · Oct ’25$200,000
1834 GOLFVIEW DRIVE UNIT 1834
2 bd · 2 ba · 1,125 sqft · $178/sqft · 46 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 632 CROSS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 632 CROSS 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
632 CROSS STREET FAQs
What would the monthly payment be for 632 CROSS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,173/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 632 CROSS STREET?+
The most recent tax bill on record (2024) was $595. 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 632 CROSS 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 $468,200, this home is listed about 8% above the Tarpon Springs median of $434,950. The market section on this page shows how the area is trending.
Which schools are assigned to 632 CROSS STREET?+
Tarpon Springs Elementary School (elementary), Tarpon Springs Middle School (middle), Tarpon Springs High School (high) — 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
$468,200 runs 46% above the TARPON SPRINGS 34689 median.
02Time on market is leverage
298 days on market against a Tarpon Springs median of 46 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $494,500, now $468,200 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DENNIS REALTY & INV. CORP. · Patti Webster. MLS #TB8438161.
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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