
1130 S FLORIDA AVENUE, TARPON SPRINGS, FL, 34689
Active82 days on marketListed May 20, 2026MLS #TB8509664
About this home
1130 S FLORIDA AVENUE
Located at the end of a quiet cul-de-sac on scenic Snead Creek in beautiful Tarpon Springs, this custom-built 3 bedroom with media room and office- which could easily be restructured to be bedrooms if needed- waterfront estate offers panoramic views of the Saint Joseph Sound and the Gulf of Mexico, along with exceptional privacy, space, and craftsmanship. Designed for both luxury living and functionality, this three-story residence features the main living area on the top floor to maximize breathtaking water views. The expansive great room and sitting area showcase stunning Gulf vistas, built-in media cabinetry, new luxury vinyl flooring, fresh interior paint, and abundant natural light throughout. An office/den and powder room are conveniently located off the main hallway. The spacious kitchen is designed for entertaining and offers solid oak cabinetry, stainless steel appliances, center island grill, breakfast bar, eat-in space, and adjacent formal dining room. Sliding glass doors open to an expansive deck off the kitchen and living area, creating seamless indoor-outdoor living. Off the kitchen is an oversized laundry room that includes a utility sink and an enormous pantry/storage closet. The second level hosts the private bedroom quarters. The primary suite features a beautifully appointed ensuite bath with Jacuzzi soaking tub, slate finishes, and private access to the covered waterfront deck. Both the primary suite and second guest bedroom offer sliding doors leading to the covered balcony to enjoy serene water views and Florida sunsets. Bedrooms two and three are connected by a Jack-and-Jill style bathroom and spacious walk-in closet. Also on level 2, a dedicated media room with surround sound, built-in cabinetry, and projection screen provides the perfect space for movie nights or entertaining guests. The ground level offers an oversized garage with room for two vehicles plus additional storage for a small boat, trailer, gardening equipment, and recreational toys. The U shaped garage also features extensive closet storage and rear access. Outside, the covered patio overlooks the peaceful waterfront setting and offers plenty of room to add a pool. The newly installed dock includes electricity and boat pilings. (Dock currently has no motorized lift.) The setting is exceptionally private and tranquil. Built with durability and efficiency in mind, this home includes: New roof (2024), Two new HVAC systems (2024), Impact windows, Icynene insulation, Wiring for a permanent generator, Breakaway garage walls for storm protection, 31 structural pilings extending 20 feet into the ground, Water softener system, and a Reverse osmosis filtration system. A rare opportunity to own a thoughtfully engineered waterfront home with incredible Gulf views, privacy, and endless possibilities in one of Pinellas County’s most desirable coastal communities.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
3,164
Sqft
0.28 ac
Lot size
2
Garage
2006
Year built
Three Or More
Levels
$332
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.
$7,029 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,029/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Tarpon Springs actives
$332 vs $244
Days on market
82 vs 46 typical
Where $332/sqft sits among the 270 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 → $400K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
147 of 270
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 227% 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 1130 S FLORIDA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$635,000
1117 S FLORIDA AVENUE · same community
3 bd · 2 ba · 2,444 sqft · $260/sqft · 41 DOM
Sold · Jul ’26$3,125,000
2945 PYRULA DRIVE · same community
5 bd · 5 ba · 4,340 sqft · $720/sqft · 46 DOM
Sold · Sep ’25$410,000
1417 W CURLEW PLACE · same community
3 bd · 2 ba · 1,683 sqft · $244/sqft · 123 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 1130 S FLORIDA AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1130 S FLORIDA AVENUE — 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
1130 S FLORIDA AVENUE FAQs
What would the monthly payment be for 1130 S FLORIDA AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,029/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 1130 S FLORIDA AVENUE?+
The most recent tax bill on record (2025) was $9,718. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Tarpon Springs?+
At $1,050,000, this home is listed about 141% above the Tarpon Springs median of $434,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1130 S FLORIDA AVENUE?+
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
01Positioned at the premium end
$1,050,000 runs 227% above the TARPON SPRINGS 34689 median — but at 3,164 sqft it's also 74% 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.
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 REALTY EXPERTS · Catherine Delorenzo. MLS #TB8509664.
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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