David Ramirez
$419,000$425,0002 bd2 ba1,550 sqft$270 /sqft$3,206 /mo all-in ↓

504 S FLORIDA AVENUE UNIT 235, TARPON SPRINGS, FL, 34689

Active70 days on marketListed Jun 4, 2026MLS #TB8512513

Reduced $6KCondominiumGULF FRONT LAGOON CONDO

About this home

504 S FLORIDA AVENUE UNIT 235

Virtually Staged. Welcome to coastal luxury in the exclusive gated waterfront community of Gulf Front Lagoon, where breathtaking Gulf of Mexico views and spectacular sunsets become part of your everyday life. This rarely available end unit residence offers approximately 1,550 square feet of beautifully designed living space with 2 bedrooms, 2 bathrooms, and windows on three sides that fill the home with abundant natural light and stunning water views. Step inside to an airy open-concept layout designed for both relaxing and entertaining. The spacious living and dining areas are centered around a charming wood-burning fireplace, while oversized sliding doors showcase peaceful coastal scenery. The updated kitchen is both stylish and functional, featuring gorgeous Brown Fantasy granite countertops, stainless steel appliances, a deep double sink, and ample cabinetry. Condo includes washer and dryer hook up in the laundry closet. The spacious primary suite serves as a private waterfront retreat with direct balcony access, electric blackout drapes, a huge walk-in closet and a beautifully appointed en-suite bathroom with an oversized walk-in shower. The guest bedroom also offers exceptional privacy with its own separate, private entrance, large closet, and updated en-suite bath featuring new tile, new vanity, and new toilet. This would make a great in-law suite. Outdoor living is truly exceptional with two oversized tiled balconies, including an expansive terrace along the east side of the building, plus a large, screened lanai overlooking the Gulf waters - perfect for enjoying morning coffee, evening breezes, and unforgettable sunsets. Residents of this intimate 40-unit waterfront community enjoy an impressive collection of resort-style amenities. The beautifully restored historic clubhouse offers billiards, a library, kitchen facilities, fitness areas, saunas, meeting rooms, and separate men’s and women’s shower facilities. Outside, enjoy the waterfront swimming pool, grilling area, tranquil lagoon with picturesque walking bridges, fishing and boat dock, kayak and paddleboard launch, bike storage, and beautifully landscaped grounds. Additional conveniences include a private under-building storage closet, multiple storage areas, a designated garage parking space conveniently located near the elevator, and plenty of guest parking. Ideally situated just minutes from Fred Howard Park, Sunset Beach, Tarpon Springs Sponge Docks, Downtown Tarpon Springs, golf courses, charming boutiques, waterfront dining, entertainment, and the Pinellas Trail. Monthly fees include cable, internet, water, sewer, exterior maintenance, roof, building insurance, and reserves, and the community has successfully completed its milestone inspection study. Discover the perfect blend of waterfront elegance, privacy, and relaxed Florida coastal living at Gulf Front Lagoon.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,550

Sqft

0 ac

Lot size

1

Garage

1986

Year built

One

Levels

$270

Per sqft

FireplaceTrees/Woods & Water viewPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofBuilt-Up
ConstructionConcrete · Stucco
FoundationPillar/Post/Pier · Stilt/On Piling
ViewTrees/Woods · Water
FacesNorth
ParkingCommon · Covered · Ground Level · Guest · Open · Under Building
ExteriorBalcony · Lighting · Sidewalk · Sliding Doors · Storage

Community & fees

Taxes (2025)$4,727/yr
PetsCats OK, Dogs OK, Number Limit, Size Limit, Yes
CommunityAssociation Recreation - Owned · Clubhouse · Fitness Center · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,206 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,467
FHA mortgage insurance (est.)$185
Property tax — 2025 actual bill$394
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,665Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,665
Interest rate6.00%
Loan term

Estimated payment

$3,206/mo

Principal & interest$2,467
FHA mortgage insurance (est.)$185
Property taxes (actual bill)$394
Est. insurance$160

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.

List $419K
$157KedgeAI estimate $198,478 · range $164K$286K$436K

vs edgeAI estimate

+111.1%

$/sqft vs Tarpon Springs actives

$270 vs $244

Days on market

70 vs 46 typical

Where $270/sqft sits among the 276 Tarpon Springs actives

73
77
60 · this home
27
13
26
$140–195$195–251$251–306$306–362$362–417$417+

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

Map of 504 S FLORIDA AVENUE UNIT 235

Drive times from this address

Tampa Int’l Airport (TPA)45 min
Downtown Tampa49 min

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

HighTarpon Springs High School★★★★★
MiddleTarpon Springs Middle School★★★★★
ElementarySunset Hills Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tarpon Springs market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$433K$400K

Tarpon Springs median sold, yr/yr

95.9%

Sale-to-list ratio (12 mo)

150 of 276

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 21% above the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →

Paper trail

This home's history

CurrentPrice reduced to $419,000 $6K
Jun 4, 2026Listed at $425,000 · 70 days on market since
1986Built · GULF FRONT LAGOON CONDO

Reality check

What actually sold near 504 S FLORIDA AVENUE UNIT 235

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

504 S FLORIDA AVENUE UNIT 221Sold · Apr ’26

$510,000

504 S FLORIDA AVENUE UNIT 221 · same community

3 bd · 2 ba · 1,550 sqft · $329/sqft · 72 DOM

504 S FLORIDA AVENUE UNIT 225Sold · Dec ’25

$328,000

504 S FLORIDA AVENUE UNIT 225 · same community

2 bd · 2 ba · 1,550 sqft · $212/sqft · 276 DOM

502 S FLORIDA AVENUE UNIT 145Sold · Apr ’26

$400,000

502 S FLORIDA AVENUE UNIT 145 · same community

2 bd · 2 ba · 1,550 sqft · $258/sqft · 119 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 504 S FLORIDA AVENUE UNIT 235 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 504 S FLORIDA AVENUE UNIT 235 — before you fall in love.

See it in person

Schedule a tour

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Straight answers

504 S FLORIDA AVENUE UNIT 235 FAQs

What would the monthly payment be for 504 S FLORIDA AVENUE UNIT 235?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,206/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 504 S FLORIDA AVENUE UNIT 235?+

The most recent tax bill on record (2025) was $4,727. 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 504 S FLORIDA AVENUE UNIT 235?+

The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $419,000, this home is listed about 3% below the Tarpon Springs median of $430,000. The market section on this page shows how the area is trending.

Which schools are assigned to 504 S FLORIDA AVENUE UNIT 235?+

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

$419,000 runs 21% above the TARPON SPRINGS 34689 median.

02Trees/Woods & Water views

The trees/woods and water view is part of what you're buying — views hold value independently of the structure.

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 $419,000 — a $6K cut. The full history is in the market section below.

Listing courtesy of RE/MAX ELITE REALTY · Kim Adams. MLS #TB8512513.

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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