
1589 MARY LANE, TARPON SPRINGS, FL, 34689
Active63 days on marketListed Jun 6, 2026MLS #TB8516504
About this home
1589 MARY LANE
WELCOME HOME to this extraordinary waterfront estate offering 4,558 square feet of luxurious living on a quiet cul-de-sac along the shores of Salt Lake, with direct access to the Anclote River and Gulf of Mexico. This impressive 5-bedroom, 4.5-bath residence seamlessly blends elegance, comfort, and the ultimate Florida waterfront lifestyle. From the moment you arrive, the striking brick exterior, circular driveway, and lush landscaping create an unforgettable first impression. Inside, you'll find a bright, open floor plan featuring engineered hardwood and ceramic tile flooring throughout. Expansive living spaces include formal living and dining rooms, a spacious family room with soaring ceilings, custom built-ins, and a cozy wood-burning fireplace, plus a private home office and an upstairs bonus room. The chef's kitchen is designed for both everyday living and entertaining, showcasing beautiful wood cabinetry, quartz countertops, double wall ovens, a center island, built-in desk area, breakfast nook, and abundant workspace. The luxurious primary suite offers breathtaking water views, vaulted ceilings, an oversized walk-in closet, and a spa-inspired bath with dual vanities and a soaking tub. A secondary first-floor en-suite bedroom provides the perfect guest or multigenerational living space. Upstairs, you'll find additional spacious bedrooms, a full bath, loft area, and versatile bonus room. A truly unique feature is the rooftop patio, where you can enjoy panoramic views of the water, spectacular sunrises and sunsets, and frequent visits from dolphins right outside your door. Outdoor living is nothing short of exceptional. The expansive screened lanai features a sparkling pool with depths ranging from 3 to 12 feet, a spillover spa, outdoor kitchen area, and stunning waterfront views. Enjoy exceptional privacy with mature landscaping and natural surroundings creating a secluded backyard retreat where neighbors can't see into your outdoor living space. Watch dolphins, manatees, and bald eagles from your backyard while enjoying the serenity of this private oasis. Boating enthusiasts will appreciate the private dock and covered 12,000-pound boat lift, complete with water, electricity, and an outdoor sink. Additional features include an oversized 4-car garage with a high-clearance bay for boat storage, an air-conditioned workshop, split-system A/C in the garage, abundant storage, and a spacious laundry room with built-in cabinetry, sink, folding station, and room for a second refrigerator. Recent updates include hurricane-impact windows (2016), A/C systems (2019 & 2022), septic tank and drain field (2021), new refrigerator, cooktop, microwave, washer, and dryer (2024), custom dining room light fixture, pool pump, smart pool and spa control system, interior and exterior paint, and plumbing added for a future ice maker in the outdoor kitchen. Ideally located just minutes from Fred Howard Park and Beach, Sunset Beach, the historic Sponge Docks, and only 1.2 miles from the renowned Pinellas Trail, this exceptional location offers endless opportunities for outdoor recreation and an active coastal lifestyle. Bike directly from your home to local restaurants, coffee shops, boutique shopping, parks, and some of the area's most beautiful Gulf beaches. Combining luxury waterfront living with unmatched convenience and connectivity, this exceptional retreat offers the very best of Florida living. This is more than a home—it's a lifestyle.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,558
Sqft
0.93 ac
Lot size
4
Garage
1989
Year built
Two
Levels
$335
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.
$10,667 /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
$10,667/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
+25.3%
$/sqft vs Tarpon Springs actives
$335 vs $244
Days on market
63 vs 46 typical
Where $335/sqft sits among the 265 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)
145 of 265
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 375% 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 1589 MARY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$995,000
1566 MARY LANE · same community
4 bd · 4 ba · 3,854 sqft · $258/sqft · 44 DOM
Sold · Nov ’25$635,000
1471 N JASMINE AVENUE · same community
4 bd · 3 ba · 3,326 sqft · $191/sqft · 139 DOM
Sold · Oct ’25$1,820,000
1473 SAIL HARBOR CIRCLE · same community
5 bd · 4.5 ba · 7,982 sqft · $228/sqft · 129 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 1589 MARY LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1589 MARY LANE — 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
1589 MARY LANE FAQs
What would the monthly payment be for 1589 MARY LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,667/mo — principal and interest, the actual property-tax bill, the $21/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 1589 MARY LANE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1589 MARY LANE?+
The most recent tax bill on record (2025) was $20,226. 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 1589 MARY LANE?+
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 $1,525,000, this home is listed about 251% 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 1589 MARY LANE?+
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
$1,525,000 runs 375% above the TARPON SPRINGS 34689 median — but at 4,558 sqft it's also nearly 3 times 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
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 $1,725,000, now $1,525,000 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Maggie Loving. MLS #TB8516504.
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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