David Ramirez
$975,000$1,050,000$6,159 /mo all-in ↓

10246 TARPON DRIVE, TREASURE ISLAND, FL, 33706

Active37 days on marketListed Jun 29, 2026MLS #TB8523584

Reduced $75KWaterfrontPARADISE ISLAND 2ND ADD

About this home

10246 TARPON DRIVE

Build your dream home on this prime deep waterfront lot on Paradise Island. Situated on an extra wide canal, this 9,540-sf lot offers 65 feet of deep-water frontage providing amazing northwest views of the gulf and amazing sunsets. With water access to Boca Ciega Bay, the boat life is complete with a composite dock featuring water and electric, bench seating, step down for paddle board or kayak launch and 11,000 lb boat lift! The gulf is just minutes away via the intercoastal waterway via John's Pass. Paradise Island neighborhood gives the feeling of community an active lifestyle and features Treasure Bay Tennis and Pickleball Club right down the street. Treasure Island beach is a short drive or slightly longer walk away. Grab some groceries at Publix or dine at the many waterfront restaurants by boat. Access to I275 to Tampa or South to Bradenton / Sarasota is directly east about a 15-minute drive and downtown St. Pete is just another 10 minutes east. Live the island life - build your dream home on this amazing waterfront lot in Paradise!

Facts & features

The home at a glance

0.22 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater
FacesNorth

Community & fees

Taxes (2025)$4,462/yr

Utilities & systems

UtilitiesPublic · Underground Utilities
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.

$6,159 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,261
PMI (est., until 20% equity)$366
Property tax — 2025 actual bill$372
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $97,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $97,500
Interest rate6.00%
Loan term

Estimated payment

$6,159/mo

Principal & interest$5,261
PMI (est., until 20% equity)$366
Property taxes (actual bill)$372
Est. insurance$160

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.

Where it sits

Inside Paradise Island

Map of 10246 TARPON DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)38 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Treasure Island. See the full Treasure Island guide →

Paradise Island — neighborhood snapshot

Population

824

Median age

63

Median income

$78,500

Median home value

$463,000

Avg household

2

Households w/ children

11%

For the school run

Pinellas County School District

ElementaryAzalea Elementary School★★★★
MiddleAzalea Middle School★★★★
HighBoca Ciega High School★★★★★

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

The numbers that matter

The Treasure Island market

Seller’s marketLeans buyer9.0 months of inventoryBuyer’s market

$685K$720K

Treasure Island median sold, yr/yr

93.8%

Sale-to-list ratio (12 mo)

Median sold price, Treasure Island, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 117% above the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →

Paper trail

This home's history

CurrentPrice reduced to $975,000 $75K
Jun 29, 2026Listed at $1,050,000 · 37 days on market since

Reality check

What actually sold near 10246 TARPON DRIVE

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

10238 TARPON DRIVESold · Jan ’26

$890,000

10238 TARPON DRIVE · same community

3 bd · 2 ba · 2,151 sqft · $414/sqft · 50 DOM

10206 4TH STREET ESold · Jul ’26

$1,250,000

10206 4TH STREET E · same community

3 bd · 2.5 ba · 3,298 sqft · $379/sqft · 201 DOM

8565 W GULF BOULEVARD UNIT 21SSold · Aug ’25

$219,000

8565 W GULF BOULEVARD UNIT 21S

0 bd · 1 ba · 300 sqft · $730/sqft · 65 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 10246 TARPON DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10246 TARPON DRIVE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

10246 TARPON DRIVE FAQs

What would the monthly payment be for 10246 TARPON DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,159/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 10246 TARPON DRIVE?+

The most recent tax bill on record (2025) was $4,462. 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 Treasure Island?+

At $975,000, this home is listed about 37% above the Treasure Island median of $710,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10246 TARPON DRIVE?+

Azalea Elementary School (elementary), Azalea Middle School (middle), Boca Ciega High School (high) — 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

$975,000 runs 117% above the TREASURE ISLAND 33706 median.

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

Azalea Elementary School, Azalea Middle School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,050,000, now $975,000 — a $75K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 JIM WHITE & ASSOC · Linda Hart. MLS #TB8523584.

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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