842 CALLISTA CAY LOOP, TARPON SPRINGS, FL, 34689
Active257 days on marketListed Nov 13, 2025MLS #TB8446984
About this home
842 CALLISTA CAY LOOP
Welcome to Callista Cay, a gated waterfront community in the heart of Tarpon Springs offering an exceptional opportunity with an assumable loan at a low 2.79% interest rate for qualified buyers as well as a transferable flood insurance policy. This beautifully maintained townhome showcases one of only two homes in the community with the largest square footage with a thoughtful three-level design. The main level features water-resistant luxury laminate flooring, granite countertops, black stainless-steel appliances, and a natural gas stove, with a convenient half bath just off the kitchen. Upstairs, the split-bedroom plan includes a spacious primary suite with two walk-in closets and a private bath. All bedrooms include ceiling fans and closet organizer systems. Enjoy peaceful water views from two outdoor spaces — a covered rear patio on the first floor, large enough for a spa, and a wood-deck balcony on the main level. The two-car garage offers additional workshop space and under-stairs storage. Recent updates include a 2025 roof with 50-year shingles and 2024 exterior paint. The home also features, a tankless gas water heater, and a security system with cameras that convey. A deeded boat slip with lift, complete with electric and water hookup, is included. Callista Cay offers a secure gated setting with a community pool and direct canal access. Conveniently located just minutes from the world-famous Sponge Docks, this home provides easy access to Fred Howard Park, Sunset Beach, and the Pinellas Trail. Enjoy nearby waterfront dining, boutique shopping, and lively local events in historic downtown Tarpon Springs.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,304
Sqft
0.07 ac
Lot size
2
Garage
2009
Year built
Three Or More
Levels
$243
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.
$4,525 /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
$4,525/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
−3.8%
$/sqft vs Tarpon Springs actives
$243 vs $245
Days on market
257 vs 48 typical
Where $243/sqft sits among the 273 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
$486K → $385K
Tarpon Springs median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
144 of 273
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 79% 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 842 CALLISTA CAY LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$400,000
838 CALLISTA CAY · same community
3 bd · 2.5 ba · 2,222 sqft · $180/sqft · 39 DOM
Sold · Feb ’26$475,000
876 CALLISTA CAY LOOP · same community
3 bd · 2.5 ba · 1,828 sqft · $260/sqft · 345 DOM
Sold · Sep ’25$500,000
870 CALLISTA CAY LOOP · same community
3 bd · 2.5 ba · 1,802 sqft · $277/sqft · 4 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 842 CALLISTA CAY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 842 CALLISTA CAY LOOP — 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
842 CALLISTA CAY LOOP FAQs
What would the monthly payment be for 842 CALLISTA CAY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,525/mo — principal and interest, the actual property-tax bill, the $450/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 842 CALLISTA CAY LOOP?+
The association fee works out to $450 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 842 CALLISTA CAY LOOP?+
The most recent tax bill on record (2024) was $4,444. 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 842 CALLISTA CAY LOOP?+
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 $560,000, this home is listed about 32% 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 842 CALLISTA CAY LOOP?+
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
01Positioned at the premium end
$560,000 runs 79% above the TARPON SPRINGS 34689 median — but at 2,304 sqft it's also 40% 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.
03Time on market is leverage
257 days on market against a Tarpon Springs median of 48 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $625,000, now $560,000 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX CHAMPIONS · Rachel Mayhew. MLS #TB8446984.
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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