David Ramirez
$1,265,0004 bd4.5 ba3,154 sqft$401 /sqft$8,250 /mo all-in ↓

339 MANATEE LANE, TARPON SPRINGS, FL, 34689

Active26 days on marketListed Jul 9, 2026MLS #TB8525883

Private poolSingle Family ResidenceWHITCOMB POINT

About this home

339 MANATEE LANE

Where Luxury Meets the Gulf without the typical waterfront costs. Deep water with direct Gulf access, a private dock with a 10,000 lb lift, heated pool/spa, and resort-style outdoor kitchen are paired with a 2021 roof, full solar (average electric bill around $35/month), and grandfathered, transferable flood insurance (about $1,300/year). This rare combination of high-end coastal living and ultra-low carrying costs makes 339 Manatee Lane one of the most compelling waterfront offerings in Tampa Bay. Some home has beautiful views. This is a way of life with ultra-low carrying costs rare for the Tampa Bay Area waterfront. Perfectly positioned on deep water with direct Gulf access, this exceptional coastal residence combines timeless elegance, modern comfort, and resort inspired living. Offering approximately 3,154 square feet, this meticulously maintained waterfront retreat features 4 bedrooms, 4 bathrooms, a private office or bonus room, a heated pool and spa, and a private dock with a 10,000 pound boat lift, creating a true destination for those who live for days on the water. From the moment you enter, refined finishes, generous living spaces, and an atmosphere that feels both timeless and inviting set the tone. A stunning gas fireplace anchors the grand living room, while the formal dining room sets the stage for unforgettable evenings with family and friends. At the heart of the home lies a chef-inspired gourmet kitchen with rich custom wood cabinetry, gleaming granite countertops, premium stainless-steel appliances, and a dedicated coffee and serving bar designed for effortless entertaining. The owner’s suite is an extraordinary private sanctuary, complete with its own gas fireplace, spa-inspired bath, garden soaking tub, walk-in shower, dual vanities, and the calming ambiance of a five-star resort. A private guest suite with its own ensuite bath ensures that family and visitors enjoy the same level of comfort and privacy. Beyond the walls of the home is where this property becomes truly unforgettable. Open the doors to your private outdoor paradise, where a screen-enclosed heated pool and spa invite year-round relaxation. The expansive lanai showcases a fully equipped outdoor kitchen, creating the perfect setting for elegant dinner parties, sunset cocktails, weekend celebrations, or quiet mornings overlooking the water. For boating enthusiasts, the oversized private dock stands out: water and electric service, a 10,000-pound boat lift, and a new concrete seawall cap place the Gulf of Mexico just a short cruise from your backyard. Luxury here is also intelligent. A 2021 roof and solar panel system deliver remarkable efficiency, keeping the average electric bill around $35 monthly, while grandfathered flood insurance averages only about $1,300 annually and is transferable to the new owner. An exceptional advantage compared with typical Tampa Bay waterfront properties. This rare combination of Gulf access, modern upgrades, and significantly lower monthly costs makes this home stand out on the MLS. This is more than a waterfront home. It is the morning sunrise reflecting across the water. The excitement of an afternoon cruise to the Gulf. The warmth of evenings gathered around the pool with those who matter most.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

3,154

Sqft

0.28 ac

Lot size

3

Garage

2004

Year built

Two

Levels

$401

Per sqft

Private poolFireplaceWater view

Inside

FlooringCeramic Tile · Hardwood
AppliancesCooktop · Dishwasher · Disposal · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding
LaundryLaundry Room
CoolingCentral Air
HeatingPropane · Solar

Outside & construction

RoofMetal · Shingle
ConstructionConcrete
FoundationSlab
ViewWater
FacesSouth
ParkingOversized
ExteriorAwning(s) · Balcony · Outdoor Grill · Outdoor Kitchen

Community & fees

HOA fee$42/mo
Taxes (2025)$8,976/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Available · Fiber Optics · Solar · Sprinkler Recycled
WaterPublic

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.

$8,250 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,826
PMI (est., until 20% equity)$474
Property tax — 2025 actual bill$748
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $126,500Loan30-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% · $126,500
Interest rate6.00%
Loan term

Estimated payment

$8,250/mo

Principal & interest$6,826
PMI (est., until 20% equity)$474
Property taxes (actual bill)$748
HOA / condo fee$42
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.

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.

$/sqft vs Tarpon Springs actives

$401 vs $245

Days on market

26 vs 46 typical

Where $401/sqft sits among the 269 Tarpon Springs actives

69
74
66
23
13 · this home
24
$137–193$193–249$249–305$305–361$361–417$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 339 MANATEE LANE

Drive times from this address

Tampa Int’l Airport (TPA)41 min
Downtown Tampa45 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)

143 of 269

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 316% above the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →

Paper trail

This home's history

Jul 9, 2026Listed at $1,265,000 · 26 days on market since
2004Built · WHITCOMB POINT

Reality check

What actually sold near 339 MANATEE LANE

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

207 MANATEE LANESold · Apr ’26

$1,200,000

207 MANATEE LANE · same community

5 bd · 4.5 ba · 3,340 sqft · $359/sqft · 7 DOM

4878 W BREEZE CIRCLESold · Jul ’26

$800,000

4878 W BREEZE CIRCLE

4 bd · 3 ba · 3,152 sqft · $254/sqft · 0 DOM

4915 TREE LINE DRIVESold · Apr ’26

$1,300,000

4915 TREE LINE DRIVE

4 bd · 3 ba · 3,146 sqft · $413/sqft · 32 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 339 MANATEE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 339 MANATEE 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

339 MANATEE LANE FAQs

What would the monthly payment be for 339 MANATEE LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,250/mo — principal and interest, the actual property-tax bill, the $42/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 339 MANATEE LANE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 339 MANATEE LANE?+

The most recent tax bill on record (2025) was $8,976. 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 339 MANATEE LANE?+

The listing reports pets: Cats OK, Dogs OK. 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 $1,265,000, this home is listed about 194% above the Tarpon Springs median of $429,950. The market section on this page shows how the area is trending.

Which schools are assigned to 339 MANATEE 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

Three things that matter here

01Positioned at the premium end

$1,265,000 runs 316% above the TARPON SPRINGS 34689 median — but at 3,154 sqft it's also nearly twice the size of the typical Tarpon Springs listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

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.

Listing courtesy of GULF SHORES REALTY ERA POWERED LLC · Kendrix Jones. MLS #TB8525883.

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.

Never miss a listing

New Tarpon Springs homes, in your inbox

Like 339 MANATEE LANE but not quite? A daily digest of every new listing in Tarpon Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 4, 2026 at 11:08 AM UTC. The listing information on this page last changed on August 4, 2026 at 11:08 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 4, 2026 at 11:08 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 4, 2026 at 11:08 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.