
346 RANCH ROAD, TARPON SPRINGS, FL, 34688
Active15 days on marketListed Jul 18, 2026MLS #TB8530153
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
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 — not generic estimates.
$5,510 /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
$5,510/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
+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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tarpon Springs 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
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.
Sold · Apr ’26$935,000
1054 RANCH ROAD · same community
4 bd · 2 ba · 1,952 sqft · $479/sqft · 4 DOM
Sold · Nov ’25$635,000
965 COBBLESTONE LANE
4 bd · 2 ba · 2,257 sqft · $281/sqft · 9 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 346 RANCH ROAD — start here.

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.
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.
Keep looking
Similar homes nearby
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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