David Ramirez
$799,0004 bd3 ba2,239 sqft$357 /sqft$5,510 /mo all-in ↓

346 RANCH ROAD, TARPON SPRINGS, FL, 34688

Active15 days on marketListed Jul 18, 2026MLS #TB8530153

Single Family ResidenceKEYSTONE RANCHETTES UNIT ONE

About this home

346 RANCH ROAD

LOWEST PRICED ACREAGE IN PINELLAS COUNTY! A private retreat in the highly desirable Keystone area where peaceful country living meets the Florida's Gulf Coast lifestyle. Situated among some of Keystone's most impressive estate homes, with most neighboring properties valued at over $1 million. Professionally decorated and thoughtfully refreshed, this property offers buyers a fresh new look with additional land clearing that showcases more of the usable homesite while preserving the beauty and privacy of the surrounding woods. The tastefully updated 4-bedroom, 3-bath home features spacious living areas, an open floor plan, a wood-burning fireplace, quartz countertops, shaker cabinetry, stainless steel appliances, and an oversized 2-car garage. The primary suite opens to the covered patio, creating the perfect place to enjoy peaceful mornings overlooking your private outdoor sanctuary. Outside, the opportunities continue. The existing 4-stall stable is ideal for horses or could be transformed into a workshop, hobby space, or future barn with guest quarters or an apartment. There's plenty of room for a pool, RV, boat, trailers, and all your recreational toys. Approximately 1.3 buildable acres, providing generous space for outdoor living and future improvements, while the remaining 4.39 wooded acreage creates your own private nature preserve. Deer and other native wildlife are frequent visitors, while the wooded acreage offers the perfect setting for walking trails, ATV adventures, dirt bikes, or simply enjoying the peace and privacy that make this property so special. A picturesque seasonal creek meanders along the southern edge of the property, adding character, natural beauty, and an additional layer of privacy to this peaceful natural setting. Located in unincorporated Pinellas County where short-term rentals are permitted, making this an exceptional opportunity as an Airbnb, vacation rental, or multigenerational living. One of this property's greatest surprises is its location. Although it feels miles away from everything, you're only about 15 minutes from Fred Howard Park, Sunset Beach, and the historic Tarpon Springs Sponge Docks; approximately 20 minutes to Downtown Dunedin; about 30 minutes to Clearwater Beach; and roughly 35 minutes to both Tampa International Airport and St. Pete-Clearwater International Airport. Shopping, dining, golf, parks, medical facilities, and major commuter routes are all nearby. Families will appreciate that this home is located in an A-rated school district and zoned for East Lake High School, consistently ranked among the top five highest-rated public high schools in Pinellas County. For added peace of mind, the home previously experienced soil settlement at the rear of the property. The foundation has since been professionally reinforced and stabilized by a licensed foundation repair contractor, and the repair includes a transferable lifetime warranty. You will not find another property that offers this combination of acreage, privacy, flexibility, investment potential, and proximity to Florida's Gulf Coast! Whether you envision a private family retreat, an equestrian lifestyle, a weekend getaway, or a high-demand short-term rental, this exceptional property offers the freedom to make it your own.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,239

Sqft

5.69 ac

Lot size

2

Garage

1982

Year built

One

Levels

$357

Per sqft

FireplacePark/Greenbelt viewPets allowed

Inside

FlooringVinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Solid Surface Counters
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPark/Greenbelt
FacesEast
ParkingGarage Door Opener · Garage Faces Side · Oversized · Parking Pad
ExteriorFire Pit · Sliding Doors

Community & fees

Taxes (2025)$8,867/yr
PetsYes
CommunityGolf Carts OK · Horses Allowed

Utilities & systems

UtilitiesCable Available · Electricity Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,510 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property tax — 2025 actual bill$739
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,900Loan30-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% · $79,900
Interest rate6.00%
Loan term

Estimated payment

$5,510/mo

Principal & interest$4,311
PMI (est., until 20% equity)$300
Property taxes (actual bill)$739
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.

List $799K
$457KedgeAI estimate $483,543 · range $476K$496K$831K

vs edgeAI estimate

+65.2%

$/sqft vs Tarpon Springs actives

$357 vs $245

Days on market

15 vs 48 typical

Where $357/sqft sits among the 268 Tarpon Springs actives

69
74
65
22 · this home
14
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 Keystone Ranchettes

Map of 346 RANCH ROAD inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)35 min
Downtown Tampa38 min

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

Get to know Tarpon Springs. See the full Tarpon Springs guide →

Keystone Ranchettes — neighborhood snapshot

Population

630

Median age

46

Median income

$120,926

Median home value

$462,294

Avg household

3

Households w/ children

94%

For the school run

Pinellas County School District

ElementaryBrooker Creek Elementary School★★★★★
HighEast Lake High School★★★★
MiddleTarpon Springs Middle School★★★★★

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

The numbers that matter

The Tarpon Springs market

Seller’s marketBalanced5.9 months of inventoryBuyer’s market

$486K$385K

Tarpon Springs median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

142 of 268

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 119% above the TARPON SPRINGS 34688 median. See the full Tarpon Springs market guide →

Paper trail

This home's history

Jul 18, 2026Listed at $799,000 · 15 days on market since
1982Built · KEYSTONE RANCHETTES UNIT ONE

Reality check

What actually sold near 346 RANCH ROAD

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

1054 RANCH ROADSold · Apr ’26

$935,000

1054 RANCH ROAD · same community

4 bd · 2 ba · 1,952 sqft · $479/sqft · 4 DOM

965 COBBLESTONE LANESold · Nov ’25

$635,000

965 COBBLESTONE LANE

4 bd · 2 ba · 2,257 sqft · $281/sqft · 9 DOM

495 APPALOOSA ROADSold · Nov ’25

$975,000

495 APPALOOSA ROAD

3 bd · 2 ba · 2,176 sqft · $448/sqft · 133 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 346 RANCH ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 346 RANCH ROAD — 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.

Goes straight to David’s phone and CRM.

Straight answers

346 RANCH ROAD FAQs

What would the monthly payment be for 346 RANCH ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,510/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 346 RANCH ROAD?+

The most recent tax bill on record (2025) was $8,867. 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 346 RANCH ROAD?+

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 $799,000, this home is listed about 88% above the Tarpon Springs median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 346 RANCH ROAD?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$799,000 runs 119% above the TARPON SPRINGS 34688 median — but at 2,239 sqft it's also 36% larger than the typical Tarpon Springs listing.

02Park/Greenbelt views

The park/greenbelt view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Brooker Creek Elementary School, East Lake High School, Tarpon Springs Middle School — Brooker Creek Elementary School rates 5 of 5. Always verify assignments with the district.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Gary Ubaldini. MLS #TB8530153.

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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