
505 WHISPERING OAK DRIVE, TARPON SPRINGS, FL, 34689
Active51 days on marketListed Jun 16, 2026MLS #TB8519183
About this home
505 WHISPERING OAK DRIVE
Spacious home with rare boat/RV parking in desirable Oakleaf Village offers the perfect combination of space, updates, and location. Finally—room for all your toys—this beautifully maintained 3-bedroom, 2-bath ranch-style home sits on over a ¼-acre lot at the end of a quiet cul-de-sac in sought-after Oakleaf Village in Tarpon Springs. Surrounded by mature oak canopies, the property blends privacy, charm, and functionality, with no CDD, optional HOA, and no flood insurance required. Key updates include windows and doors (2021), water heater (2020), exterior paint (2024), A/C (2018 with fan motor replaced in 2025), roof (2012), and solid block construction, offering peace of mind for years to come. Inside, the home features high ceilings and an open, versatile floor plan with both a great room and a separate family room with french doors which lead to backyard, ideal for entertaining or flexible living arrangements. There is no carpet, mostly 18” ceramic tile throughout, laminate in 2 bedrooms, and stained concrete in the third bedroom with access to the rear screened & covered porch. The flooring provides durability and easy maintenance. The spacious kitchen offers abundant cabinetry and counter space, snack bar and a new side-by-side refrigerator (2025), and direct views of the backyard with access to the screened porch. The large primary suite includes a stylish barn door entry and en suite bath with a walk-in shower, updated vanity and faucet, while the secondary bedrooms are generously sized and supported by a fully remodeled guest bathroom. Outdoor living is a standout, with a backyard designed for entertaining featuring a swim spa with deck and a screened porch for year-round enjoyment and a PVC fence along the back yard for privacy. The oversized 2-car garage, extended driveway, and additional parking pad provide ample parking, while double-gate backyard access allows easy storage for a boat, RV, camper, or work vehicle. The location is equally appealing, with close proximity to St. Petersburg College, the Downtown area, Howard Park Beach, Sunset Beach, the Pinellas Trail, Tarpon Springs Sponge Docks, Innisbrook Golf Resort, shopping, dining, and medical facilities, plus convenient access to Belcher Road, US-19, and Alt-19. A unique bonus is that the home is located on the same electrical grid as a nearby hospital, which can help minimize power interruptions during storms. This is a rare opportunity to own a move-in ready home with space, updates, and flexibility in one of the area’s most desirable neighborhoods—schedule your showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,616
Sqft
0.26 ac
Lot size
2
Garage
1980
Year built
One
Levels
$260
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.
$2,962 /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
$2,962/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.
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
+6.3%
$/sqft vs Tarpon Springs actives
$260 vs $244
Days on market
51 vs 46 typical
Where $260/sqft sits among the 266 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 → $428K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
146 of 266
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 36% 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 505 WHISPERING OAK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$330,000
600 IVEY LANE · same community
3 bd · 2 ba · 1,568 sqft · $210/sqft · 15 DOM
Sold · Jun ’26$385,000
302 LEAFWOOD ROAD · same community
4 bd · 2 ba · 1,679 sqft · $229/sqft · 178 DOM
Sold · Aug ’25$364,900
613 SANDY HOLLOW RD · same community
3 bd · 3 ba · 1,697 sqft · $215/sqft · 69 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 505 WHISPERING OAK DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 505 WHISPERING OAK DRIVE — 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
505 WHISPERING OAK DRIVE FAQs
What would the monthly payment be for 505 WHISPERING OAK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,962/mo — principal and interest, the actual property-tax bill, the $3/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 505 WHISPERING OAK DRIVE?+
The association fee works out to $3 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 505 WHISPERING OAK DRIVE?+
The most recent tax bill on record (2025) was $1,693. 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 505 WHISPERING OAK DRIVE?+
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 $420,000, this home is listed about 3% below the Tarpon Springs median of $434,900. The market section on this page shows how the area is trending.
Which schools are assigned to 505 WHISPERING OAK DRIVE?+
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
$420,000 runs 36% above the TARPON SPRINGS 34689 median.
02Strong 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.
03The price has already moved
Listed at $425,000, now $420,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 COASTAL ALLIANCE · Gail Urban. MLS #TB8519183.
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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