HARBOUR WATCH CIRCLE, TARPON SPRINGS, FL, 34689
Active123 days on marketListed Apr 2, 2026MLS #TB8492054
About this home
HARBOUR WATCH CIRCLE
Create your custom coastal retreat in the prestigious Harbour Watch of Tarpon Springs, a highly sought-after gated waterfront community. This exceptional homesite is among the final and most expansive lots available, offering over 12,000 square feet of space to bring your vision to life—with ample room for a spacious residence, outdoor living areas, and a private pool. Perfectly positioned, the lot enjoys a tranquil pond setting at the rear while capturing the beauty of the Gulf of Mexico just beyond the front. With the right design, upper levels of your future home can take full advantage of stunning water views and breathtaking sunset backdrops. Residents of Harbour Watch enjoy resort-style amenities, including 24-hour guard-gated security, a clubhouse, community pool and spa, tennis courts, playground, and a scenic gazebo overlooking the Gulf—ideal for relaxing evenings and coastal breezes. For those ready to build, the seller has a copy of the soil testing from previous owner (November 2020). For those seeking additional space or a larger estate-style footprint, Lots 124 and 125 can be purchased together, creating an exceptional opportunity to expand your vision. A rare opportunity to secure a premium lot in one of Tarpon Springs’ most desirable waterfront communities—don’t miss your chance to create something truly special.
Facts & features
The home at a glance
0.29 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.
$1,608 /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
$1,608/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
$486K → $385K
Tarpon Springs median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Tarpon Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% 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 CIRCLE
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$1,250,000
2017 HARBOUR WATCH CIRCLE · same community
4 bd · 4.5 ba · 2,869 sqft · $436/sqft · 2 DOM
Sold · May ’26$910,000
2002 ALEXIS COURT · same community
5 bd · 2.5 ba · 3,124 sqft · $291/sqft · 81 DOM
Sold · Nov ’25$1,500,000
2081 POINTE ALEXIS DRIVE · same community
4 bd · 2.5 ba · 3,546 sqft · $423/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 HARBOUR WATCH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for HARBOUR WATCH CIRCLE — 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 CIRCLE FAQs
What would the monthly payment be for HARBOUR WATCH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,608/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 CIRCLE?+
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 CIRCLE?+
The most recent tax bill on record (2025) was $1,777. 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 CIRCLE?+
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 $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to HARBOUR WATCH CIRCLE?+
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 52% below the TARPON SPRINGS 34689 median of $329,000.
02Time on market is leverage
123 days on market against a Tarpon Springs median of 48 — 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 #TB8492054.
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.
Never miss a listing
New Tarpon Springs homes, in your inbox
Like HARBOUR WATCH CIRCLE but not quite? A daily digest of every new listing in Tarpon Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →