3187 STERLING STREET, TARPON SPRINGS, FL, 34688
Active30 days on marketListed Jul 10, 2026MLS #TB8526409
About this home
3187 STERLING STREET
Virtually Staged. Welcome to 3187 Sterling Street, a beautifully maintained four-bedroom, three-bath residence in the sought-after gated community of Crescent Oaks in Tarpon Springs. With a low HOA, golf and tennis amenities, an active social calendar, and a private conservation setting, this home offers the Florida lifestyle buyers have been searching for. A grand foyer welcomes you inside, opening to formal living and dining spaces that are perfect for entertaining. The home features a neutral color palette and a desirable U-shaped floor plan designed around the outdoor living area. Four sliding glass doors create a seamless indoor-outdoor connection, allowing refreshing breezes and natural light to flow throughout the home during Florida’s beautiful fall, winter, and spring seasons. The backyard is a private oasis with no rear neighbors, peaceful conservation views, a spa, outdoor kitchen, screened lanai, refreshed pavers, and a convenient pool bath. Enjoy the beauty of nature from home, with deer and wild turkey often seen in the conservation area behind the property. The oversized family room is filled with natural light from large windows, while the breakfast nook offers breathtaking views of the private backyard and conservation. The open-concept kitchen provides ample space for gathering, cooking, and entertaining, featuring stainless steel appliances and modern silver cabinet hardware for a clean, updated look. The split-bedroom floor plan provides comfort and flexibility. Two guest bedrooms and a spacious bathroom with double vanities are located in the right wing of the home. On the opposite side, the large primary suite offers a relaxing retreat with a garden tub, walk-in shower, private water closet, and generous walk-in closet. The fourth bedroom is oversized and can easily serve as a home office, den, playroom, fitness room, or additional bedroom. An oversized laundry room and three-car garage offer excellent storage for multiple vehicles, recreational items, and a golf cart. This home has been thoughtfully maintained with several important updates already completed. Major improvements include a 2013 Spanish tile roof, 2024 A/C and heat pump, 2024 exterior paint, and well water irrigation. Additional updates include new lanai screens and Spanish tile roof pressure washing in 2025, along with new flooring in all bedrooms and closets, a new washer, and professionally power-washed lanai pavers in 2026. Crescent Oaks is a warm, dog-friendly golf and tennis community known for its active neighborhood lifestyle. Residents enjoy community events and traditions throughout the year, including holiday golf cart parades, trivia nights, bunco, ice cream socials, vendor markets, pickleball, Easter and Valentine’s Day celebrations, Mother’s Day and Father’s Day gatherings, and Santa’s firetruck visit. If you are looking for a private, well-maintained home in a vibrant Florida lifestyle community, 3187 Sterling Street is ready to welcome you home.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,619
Sqft
1.13 ac
Lot size
3
Garage
1992
Year built
One
Levels
$267
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.
$4,688 /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
$4,688/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
+1.6%
$/sqft vs Tarpon Springs actives
$267 vs $244
Days on market
30 vs 46 typical
Where $267/sqft sits among the 270 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 Crescent Oaks
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tarpon Springs. See the full Tarpon Springs guide →
Crescent Oaks — neighborhood snapshot
Population
951
Median age
62
Median income
$90,417
Median home value
$506,000
Avg household
2
Households w/ children
91%
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)
147 of 270
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 54% above the TARPON SPRINGS 34688 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 3187 STERLING STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$800,000
3150 STERLING STREET · same community
4 bd · 3 ba · 2,640 sqft · $303/sqft · 48 DOM
Sold · Nov ’25$765,000
1230 BERKSHIRE LANE · same community
3 bd · 3 ba · 2,656 sqft · $288/sqft · 64 DOM
Sold · May ’26$635,000
1003 BERKSHIRE LANE · same community
4 bd · 3 ba · 2,499 sqft · $254/sqft · 328 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 3187 STERLING STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3187 STERLING STREET — 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
3187 STERLING STREET FAQs
What would the monthly payment be for 3187 STERLING STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,688/mo — principal and interest, the actual property-tax bill, the $145/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 3187 STERLING STREET?+
The association fee works out to $145 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3187 STERLING STREET?+
The most recent tax bill on record (2025) was $4,195. 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 3187 STERLING STREET?+
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 $699,000, this home is listed about 61% above the Tarpon Springs median of $434,950. The market section on this page shows how the area is trending.
Which schools are assigned to 3187 STERLING STREET?+
Brooker Creek Elementary School (elementary), East Lake High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Linda Caruso. MLS #TB8526409.
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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