86 HIGHLAND ROAD, TARPON SPRINGS, FL, 34689
Active146 days on marketListed Mar 12, 2026MLS #TB8485865
About this home
86 HIGHLAND ROAD
Price improvement. Welcome to this charming 3-bedroom, 2-bath, 2-car garage home ideally located in beautiful Tarpon Springs. Inside, you'll find soaring vaulted ceilings that create a bright and spacious feel, along with a desirable split-bedroom layout. The primary suite features a private en-suite bathroom, while an inside laundry room adds everyday convenience. Enjoy Florida living at its best with a covered and screened porch overlooking a fenced backyard— perfect for relaxing or entertaining. Step outside to the pavered patio featuring a built-in grill area and a hot tub, ideal for gatherings or unwinding at the end of the day. Hurricane-rated sliders were installed in 2023, and the roof was replaced in 2016 for added peace of mind. Outdoor enthusiasts will love being just one block from the Pinellas Trail, perfect for biking, walking, or jogging. Plus, you're only about 3 miles from the beautiful sands of Sunset Beach and close to the shops, restaurants, and waterfront charm of the Tarpon Springs Sponge Docks and historic downtown. Additional features include a well for the irrigation system, helping keep landscaping lush while saving on water bills—and no HOA.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,402
Sqft
0.21 ac
Lot size
2
Garage
1990
Year built
One
Levels
$270
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.
$2,981 /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
$2,981/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
+3.9%
$/sqft vs Tarpon Springs actives
$270 vs $244
Days on market
146 vs 46 typical
Where $270/sqft sits among the 267 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 → $428K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
146 of 267
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 23% 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 86 HIGHLAND ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$410,000
1833 HILLCREST STREET · same community
3 bd · 2.5 ba · 2,175 sqft · $189/sqft · 43 DOM
Sold · Mar ’26$315,000
2160 CHIANTI PLACE UNIT 1-0118
3 bd · 2 ba · 1,430 sqft · $220/sqft · 42 DOM
Sold · Jan ’26$270,000
2182 CLOVER HILL ROAD
2 bd · 2.5 ba · 1,360 sqft · $199/sqft · 5 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 86 HIGHLAND ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 86 HIGHLAND ROAD — 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
86 HIGHLAND ROAD FAQs
What would the monthly payment be for 86 HIGHLAND ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,981/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 86 HIGHLAND ROAD?+
The most recent tax bill on record (2025) was $5,063. 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 86 HIGHLAND ROAD?+
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 $379,000, this home is listed about 13% 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 86 HIGHLAND ROAD?+
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
Four things that matter here
01Positioned at the premium end
$379,000 runs 23% above the TARPON SPRINGS 34689 median.
02Time on market is leverage
146 days on market against a Tarpon Springs median of 46 — sellers in this position are usually ready to negotiate.
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.
04The price has already moved
Listed at $425,000, now $379,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Michele Morris. MLS #TB8485865.
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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