HARBOUR WATCH DRIVE, TARPON SPRINGS, FL, 34689
Active124 days on marketListed Apr 2, 2026MLS #TB8491973
About this home
HARBOUR WATCH DRIVE
Design and build the home you’ve always envisioned on this exceptional homesite located within the exclusive, guard-gated waterfront community of Harbour Watch. Opportunities like this are becoming increasingly rare, as this is one of the few remaining lots of this size, in a thoughtfully designed neighborhood of just 184 residences, set on a stunning 90-acre peninsula surrounded by the Gulf of Mexico to the west and the Anclote River along the east and north. This oversized .36-acre lot offers added privacy with no rear neighbors and ample space to create a custom residence tailored to your lifestyle. Build upward and take advantage of the potential for breathtaking water views from elevated living spaces. Harbour Watch is known for its scenic coastal setting and resort-style amenities. Residents enjoy access to a beautifully appointed clubhouse featuring a fitness center, full kitchen, gathering spaces, and billiards, along with a junior Olympic lap pool, heated spa, and expansive sun deck. Spend your evenings at the community dock or gazebo taking in unforgettable sunset views, or enjoy fishing from the pier. The neighborhood also features lighted tennis courts, a playground, and picnic areas designed for relaxation and connection. Conveniently located just minutes from local beaches, the famous Sponge Docks, and a wide variety of dining, shopping, and entertainment options, this community offers the perfect blend of tranquility and accessibility. Outdoor enthusiasts will also appreciate the nearby Pinellas Trail for walking, biking, and running. With 24/7 gated security, highly rated schools, and the flexibility to choose your own builder, this property is truly ready for your vision to come to life. Secure your place in one of North Pinellas County’s most desirable waterfront communities before it’s gone.
Facts & features
The home at a glance
0.36 ac
Lot size
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.
$1,606 /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
$1,606/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.
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)
Median sold price, Tarpon Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% 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 HARBOUR WATCH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$730,000
2118 HARBOUR WATCH DRIVE · same community
4 bd · 3 ba · 3,034 sqft · $241/sqft · 653 DOM
Sold · Mar ’26$2,200,000
2059 N POINTE ALEXIS DRIVE · same community
4 bd · 3.5 ba · 3,732 sqft · $589/sqft · 3 DOM
Sold · Oct ’25$370,000
715 CHARLOTTE AVENUE
2 bd · 2 ba · 1,181 sqft · $313/sqft · 151 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 HARBOUR WATCH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for HARBOUR WATCH DRIVE — 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
HARBOUR WATCH DRIVE FAQs
What would the monthly payment be for HARBOUR WATCH DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,606/mo — principal and interest, the actual property-tax bill, the $300/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 HARBOUR WATCH DRIVE?+
The association fee works out to $300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on HARBOUR WATCH DRIVE?+
The most recent tax bill on record (2025) was $1,748. 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 HARBOUR WATCH DRIVE?+
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 $158,000, this home is listed about 63% 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 HARBOUR WATCH DRIVE?+
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
01Under the TARPON SPRINGS 34689 market on paper
$158,000 is 48% below the TARPON SPRINGS 34689 median of $303,799.
02Time on market is leverage
124 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.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Linda Santa. MLS #TB8491973.
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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