David Ramirez
$295,000$300,0002 bd2 ba1,070 sqft$276 /sqft$2,196 /mo all-in ↓

1686 SEASCAPE CIRCLE, TARPON SPRINGS, FL, 34689

Active27 days on marketListed Jul 9, 2026MLS #TB8526235

Priced 3% below the TARPON SPRINGS 34689 medianReduced $5KWaterfrontCondominiumSEASCAPE CONDO OF TARPON SPGS

About this home

1686 SEASCAPE CIRCLE

Affordable Waterfront living in Tarpon Springs. Welcome home to this beautifully updated 2-bedroom, 2-bath waterfront condominium offering 1,070 square feet of comfortable living space and open Gulf access. From the moment you enter, you'll appreciate the neutral paint palette, luxury vinyl plank flooring, updated impact-resistant windows and sliding glass doors and stylish lighting that create a bright, coastal feel throughout. The open-concept living and dining area flows seamlessly into the remodeled kitchen featuring raised-panel wood cabinetry, stone countertops, stainless steel appliances, subway tile backsplash, built-in storage, and a water filtration system. Sliding glass doors open to the screened lanai where you can relax while enjoying peaceful water and conservation views. The desirable split-bedroom floor plan provides privacy, with a spacious primary suite featuring an updated en-suite bathroom with wood cabinetry, stone countertops, and a beautifully remodeled walk-in shower. The guest bedroom includes a custom built-in wall unit with desk and storage, making it ideal for guests or a home office. The guest bathroom has also been tastefully remodeled with updated vanity, toilet, stone countertops, and modern finishes. An inside laundry room with additional shelving adds everyday convenience. This home has been exceptionally maintained and thoughtfully improved with more than $83,000 in upgrades, including a remodeled kitchen, beautifully renovated bathrooms, luxury vinyl flooring, impact-resistant windows and sliding glass doors, updated appliances, A/C improvements with cleaned and sealed ductwork, storm door, screened lanai enhancements, resurfaced and freshly painted balcony and lanai, updated lighting, a new GE washer and dryer (2025), water heater (2025), water filtration system, A/C motor, dryer vent cleaning, and numerous additional improvements, offering true peace of mind for the next owner. Residents enjoy a beautifully maintained waterfront community with a clubhouse, fitness center, sparkling pool, and Gulf access. Boating enthusiasts will appreciate that boat slips may be available for purchase, providing direct access to the Gulf of Mexico. Combining extensive updates, quality craftsmanship, low-maintenance living, and tranquil waterfront views, this move-in-ready condominium offers the ideal Florida lifestyle. 1.5 miles away from Sunset Beach, beach access, boat ramp, playground, grills and picnic area.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,070

Sqft

9.77 ac

Lot size

1985

Year built

One

Levels

$276

Per sqft

WaterfrontTrees/Woods & Water viewPets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Refrigerator · Water Filtration System
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Wood Frame
FoundationSlab
ViewTrees/Woods · Water
FacesWest
ParkingOpen
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors · Storage

Community & fees

Taxes (2025)$2,022/yr
PetsBreed Restrictions, Yes
CommunityWater Access · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Pool · Sidewalks · Special Community Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fire Hydrant · Sewer Connected · Underground Utilities · Water Connected
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.

$2,196 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,737
FHA mortgage insurance (est.)$130
Property tax — 2025 actual bill$168
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,325Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $10,325
Interest rate6.00%
Loan term

Estimated payment

$2,196/mo

Principal & interest$1,737
FHA mortgage insurance (est.)$130
Property taxes (actual bill)$168
Est. insurance$160

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.

List $295K
$189KedgeAI estimate $274,003 · range $197K$382K$397K

vs edgeAI estimate

+7.7%

$/sqft vs Tarpon Springs actives

$276 vs $244

Days on market

27 vs 46 typical

Where $276/sqft sits among the 267 Tarpon Springs actives

71
75
60 · this home
24
12
25
$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 1686 SEASCAPE CIRCLE

Drive times from this address

Tampa Int’l Airport (TPA)43 min
Downtown Tampa46 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 seller4.4 months of inventoryBuyer’s market

$433K$400K

Tarpon Springs median sold, yr/yr

95.9%

Sale-to-list ratio (12 mo)

146 of 267

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 3% below the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →

Paper trail

This home's history

CurrentPrice reduced to $295,000 $5K
Jul 9, 2026Listed at $300,000 · 27 days on market since
1985Built · SEASCAPE CONDO OF TARPON SPGS

Reality check

What actually sold near 1686 SEASCAPE CIRCLE

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

1686 SEASCAPE CIRCLESold · Nov ’25

$248,000

1686 SEASCAPE CIRCLE · same community

2 bd · 2 ba · 1,070 sqft · $232/sqft · 187 DOM

1729 SEASCAPE CIRCLE UNIT 102Sold · Sep ’25

$217,500

1729 SEASCAPE CIRCLE UNIT 102 · same community

2 bd · 2 ba · 1,070 sqft · $203/sqft · 56 DOM

55 GULFWINDS DRIVESold · Apr ’26

$290,000

55 GULFWINDS DRIVE

2 bd · 2 ba · 1,044 sqft · $278/sqft · 15 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 1686 SEASCAPE CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1686 SEASCAPE CIRCLE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

1686 SEASCAPE CIRCLE FAQs

What would the monthly payment be for 1686 SEASCAPE CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,196/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 1686 SEASCAPE CIRCLE?+

The most recent tax bill on record (2025) was $2,022. 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 1686 SEASCAPE CIRCLE?+

The listing reports pets: Breed Restrictions, 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 $295,000, this home is listed about 31% below the Tarpon Springs median of $430,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1686 SEASCAPE CIRCLE?+

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

01Under the TARPON SPRINGS 34689 market on paper

$295,000 is 3% below the TARPON SPRINGS 34689 median of $303,799.

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 $300,000, now $295,000 — a $5K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Nicole Dufala. MLS #TB8526235.

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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