3166 STERLING STREET, TARPON SPRINGS, FL, 34688
Active70 days on marketListed May 29, 2026MLS #TB8513669
About this home
3166 STERLING STREET
Live the Crescent Oaks Lifestyle — 3166 Sterling St. Imagine starting your morning with coffee on a screened lanai, gazing out over your private pool to the tranquil pond beyond, a championship 18-hole golf course just a short cart ride away. This isn't just a house. It's your place in one of the area's friendliest, most active gated communities. And right now, it comes with real peace of mind: the seller has invested over $100,000 in major upgrades in just the last six months — including a brand-new tile roof valued at nearly $60,000 and a complete new AC system worth $15,000. The big-ticket items are already done, so you can simply move in and start living. Inside, 3,214 square feet and soaring 12-foot ceilings make everyday life feel open, bright, and effortless. The family room and kitchen flow together around a cozy wood-burning fireplace, the perfect gathering spot for family and friends. The kitchen pairs natural wood cabinetry and tiled countertops with a new sink and faucet, ready for both quiet dinners in and lively evenings entertaining. Step outside and the screened pool area becomes your private resort. A full outdoor kitchen with grill, burner, and refrigerator means you never have to run inside, and a poolside bath with sink, shower, and private commode keeps everything you need right at hand. The primary suite is a true retreat: his-and-her vanities, a garden Jacuzzi tub, a glass shower, a private water closet, and a spacious walk-in closet. Two freshly painted guest bedrooms with brand-new carpet welcome family and friends, while a home office behind elegant French doors — easily a fourth bedroom — makes working from home a pleasure. The thoughtful extras add up fast: an oversized three-car garage with central vacuum and water softener, a roomy inside laundry room with washer and dryer included, all-new blinds throughout, and a Ring doorbell security system. Beyond your doors, Crescent Oaks delivers a clubhouse, championship golf, tennis, pickleball, and a full calendar of activities — all for HOA dues of just $155/month covering the common areas. Select furnishings are also available for purchase, making your move even easier. With the roof, the AC, and over $100,000 in improvements already handled, all that's left for you to do is settle in, relax, and enjoy the connected, resort-style life you've been waiting for.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,214
Sqft
0.32 ac
Lot size
3
Garage
1991
Year built
One
Levels
$255
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 and the real association fee — not generic estimates.
$5,495 /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
$5,495/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.
vs edgeAI estimate
−0.5%
$/sqft vs Tarpon Springs actives
$255 vs $244
Days on market
70 vs 46 typical
Where $255/sqft sits among the 264 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 Crescent Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tarpon Springs. See the full Tarpon Springs guide →
Crescent Oaks — neighborhood snapshot
Population
951
Median age
62
Median income
$90,417
Median home value
$506,000
Avg household
2
Households w/ children
91%
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 → $425K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
145 of 264
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 80% above the TARPON SPRINGS 34688 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 3166 STERLING STREET
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$840,000
394 TALL OAK TRAIL · same community
4 bd · 3 ba · 3,338 sqft · $252/sqft · 243 DOM
Sold · Oct ’25$692,500
6801 CRESCENT OAKS CIRCLE · same community
4 bd · 3.5 ba · 2,894 sqft · $239/sqft · 4 DOM
Sold · May ’26$820,000
3196 CRESCENT OAKS BOULEVARD
3 bd · 3 ba · 3,234 sqft · $254/sqft · 73 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 3166 STERLING STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3166 STERLING STREET — 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
3166 STERLING STREET FAQs
What would the monthly payment be for 3166 STERLING STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,495/mo — principal and interest, the actual property-tax bill, the $155/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 3166 STERLING STREET?+
The association fee works out to $155 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3166 STERLING STREET?+
The most recent tax bill on record (2024) was $5,439. 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 3166 STERLING STREET?+
The listing reports pets: Breed Restrictions. 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 $819,000, this home is listed about 89% above the Tarpon Springs median of $432,450. The market section on this page shows how the area is trending.
Which schools are assigned to 3166 STERLING STREET?+
Brooker Creek Elementary School (elementary), East Lake High School (high), Tarpon Springs Middle School (middle) — 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
$819,000 runs 80% above the TARPON SPRINGS 34688 median — but at 3,214 sqft it's also nearly twice the size of 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
Brooker Creek Elementary School, East Lake High School, Tarpon Springs Middle School — Brooker Creek Elementary School rates 5 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $850,000, now $819,000 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LISTSMART · Robert Gawel. MLS #TB8513669.
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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