553 DIVISION STREET, TARPON SPRINGS, FL, 34689
Active963 days on marketListed Dec 18, 2023MLS #U8224317
About this home
553 DIVISION STREET
**Seller Financing will be considered, and the Seller is open to negotiation on terms, so that YOU can be successful!** Looking for a project? Are you looking for a piece of Tarpon Springs history, close to the Sponge Docks and an opportunity to develop your own style with a blank canvas? Bring your Contractors, Architects, Engineers and all those who play a role in your success to help your vision come to life. You are not the only ones seeking to build in this historical neighborhood. You only have to look to the neighbors to each side of the property - they are both being developed! Let's turn your ambition into a reality! This spacious property exudes presence with its elevated position, with an inviting front porch to while away the hours with a lovely beverage of your choosing, or why not take the short walk to the local Tarpon Springs Sponge docks and plethora of restaurants, shopping and entertainment. Equally, you may be a keen sailor and enjoy the water activities that Tarpon Springs has. This property is in need of a renovation, but this is an opportunity for an investor or keen designer to influence and shape their own design on this home. The high ceilings, welcoming staircase, large rooms create great potential. Don't miss out on this unique property. This property is well-suited for buyers seeking a value-add project, whether as a primary residence, second home, or investment. The existing structure offers the chance to renovate, restore, or reimagine while preserving the charm and historical context that makes Tarpon Springs one of Florida’s most distinctive coastal communities. Owner Financing will be considered, providing flexible acquisition options for buyers and creating an attractive pathway for investors looking to diversify their real estate portfolio without traditional lending constraints. This flexibility opens the door for creative strategies, including long-term holds, rental income, or future resale after improvements. Call today to schedule your showing!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,441
Sqft
0.15 ac
Lot size
1914
Year built
Three Or More
Levels
$108
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.
$2,957 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,957/mo
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.
$/sqft vs Tarpon Springs actives
$108 vs $244
Days on market
963 vs 46 typical
Where $108/sqft sits among the 266 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 Greektown
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tarpon Springs. See the full Tarpon Springs guide →
Greektown — neighborhood snapshot
Population
663
Median age
52
Median income
$125,558
Median home value
$13,058
Avg household
2
Households w/ children
33%
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 → $425K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
145 of 266
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 18% above the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 553 DIVISION STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$595,000
547 DIVISION STREET · same community
3 bd · 2 ba · 1,992 sqft · $299/sqft · 26 DOM
Sold · Apr ’26$1,200,000
207 MANATEE LANE
5 bd · 4.5 ba · 3,340 sqft · $359/sqft · 7 DOM
Sold · Apr ’26$715,000
979 RIDGEWOOD TERRACE
4 bd · 3 ba · 2,646 sqft · $270/sqft · 0 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 553 DIVISION STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 553 DIVISION 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
553 DIVISION STREET FAQs
What would the monthly payment be for 553 DIVISION STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,957/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 553 DIVISION STREET?+
The most recent tax bill on record (2023) was $5,462. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Tarpon Springs?+
At $370,000, this home is listed about 14% below the Tarpon Springs median of $432,450. The market section on this page shows how the area is trending.
Which schools are assigned to 553 DIVISION STREET?+
Tarpon Springs Elementary School (elementary), Tarpon Springs Middle School (middle), Tarpon Springs High School (high) — 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
$370,000 runs 18% above the TARPON SPRINGS 34689 median — but at 3,441 sqft it's also nearly twice the size of the typical Tarpon Springs listing.
02Time on market is leverage
963 days on market against a Tarpon Springs median of 46 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $525,000, now $370,000 — a $155K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DENNIS REALTY & INV. CORP. · Paul Salter. MLS #U8224317.
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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