W SPRUCE STREET, TARPON SPRINGS, FL, 34689
Active237 days on marketListed Dec 13, 2025MLS #W7881420
About this home
W SPRUCE STREET
DISCOVER A RARE OPPORTUNITY TO OWN A BUILDABLE RESIDENTIAL LOT LOCATED WITHIN THE WORLD-FAMOUS TARPON SPRINGS, FLORIDA SPONGE DOCKS DISTRICT, IN THE VERY HEART OF GREEK TOWN USA. THIS PRIME HOMESITE ALLOWS YOU TO BUILD YOUR DREAM HOME JUST BLOCKS FROM THE ICONIC SPONGE DOCKS, KNOWN WORLDWIDE FOR THEIR UNIQUE HISTORY, VIBRANT WATERFRONT SETTING, AND AUTHENTIC GREEK CULTURE. ENJOY LIVING IN AN AREA LOADED WITH CHARMING SHOPS, RENOWNED GREEK RESTAURANTS, TRADITIONAL GREEK BAKERIES, AND LOCAL GREEK GROCERIES AND DELIS THAT MAKE THIS AREA A DESTINATION UNLIKE ANY OTHER. THE SPONGE DOCKS OFFER SEVERAL BOAT TOURS THAT ALLOW YOU TO EXPLORE THE PRISTINE WATERS OF THE ANCLOTE RIVER ALL THE WAY OUT TO THE BEAUTIFUL GULF OF MEXICO. EMBARK ON A FISHING PARTY BOAT ADVENTURE IN THE GULF, OR CHARTER YOUR OWN PRIVATE FISHING EXPERIENCE FROM THE CITY MARINA WITH A KNOWLEDGEABLE LOCAL GUIDE. FOR BOATING ENTHUSIASTS, CONVENIENT BOAT RENTALS ARE AVAILABLE THROUGH TWO LOCAL BOAT CLUBS IN THE AREA, MAKING WATER ACCESS SIMPLE AND ENJOYABLE. THE AREA COMES ALIVE YEAR-ROUND WITH MULTIPLE FESTIVALS AND COMMUNITY EVENTS HELD AT THE SPONGE DOCKS AND ALONG THE HISTORIC DOWNTOWN TARPON AVENUE DISTRICT. THE PROPERTY ALREADY FEATURES A 900 SQUARE FOOT SOLID CONCRETE TWO-CAR GARAGE, COMPLETE WITH ELECTRIC AND PLUMBING, PROVIDING IMMEDIATE FUNCTIONALITY AND FLEXIBILITY. IF YOU BUILD YOUR NEW HOME HIGH ENOUGH, YOU CAN ENJOY FULL WATER VIEWS OF THE ANCLOTE RIVER AND THE CANAL ACROSS THE STREET. THIS HOMESITE IS CENTRALLY LOCATED NEAR EVERYTHING TARPON SPRINGS HAS TO OFFER, WITH THE HISTORIC DOWNTOWN DISTRICT JUST MINUTES AWAY. THREE LOCAL BEACHES, MARINAS, AND FOUR A-RATED SCHOOLS ARE ALL CLOSE BY, MAKING THIS AN EXCEPTIONAL LOCATION FOR BOTH FULL-TIME LIVING AND A LIFESTYLE RETREAT IN ONE OF FLORIDA’S MOST ICONIC COASTAL COMMUNITIES.
Facts & features
The home at a glance
0.2 ac
Lot size
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.
$1,951 /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
$1,951/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.
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)
Median sold price, Tarpon Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% below the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near W SPRUCE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$266,000
1465 HILLCREST DRIVE · same community
3 bd · 1.5 ba · 1,392 sqft · $191/sqft · 41 DOM
Sold · Feb ’26$155,000
612 8TH STREET N · same community
3 bd · 3 ba · 1,515 sqft · $102/sqft · 21 DOM
Sold · Jan ’26$78,000
39820 US HIGHWAY 19 N UNIT 191
2 bd · 1.5 ba · 720 sqft · $108/sqft · 124 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 W SPRUCE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for W SPRUCE 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
W SPRUCE STREET FAQs
What would the monthly payment be for W SPRUCE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,951/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 W SPRUCE STREET?+
The most recent tax bill on record (2024) was $2,887. 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 $244,900, this home is listed about 43% 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 W SPRUCE 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
01Under the TARPON SPRINGS 34689 market on paper
$244,900 is 19% below the TARPON SPRINGS 34689 median of $301,900.
02Time on market is leverage
237 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 $299,900, now $244,900 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FIRST FLORIDA REALTY LLC · Michael Koursiotis. MLS #W7881420.
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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