994 CELTIC CIRCLE, TARPON SPRINGS, FL, 34689
Active57 days on marketListed May 29, 2026MLS #W7886108
About this home
994 CELTIC CIRCLE
Welcome to your new home at 994 Celtic Circle, Tarpon Springs, FL! This beautifully maintained two-story end-unit townhome offers the perfect blend of comfort, style, and convenience. Featuring 3 spacious bedrooms, 2.5 bathrooms, and 2 car garage, this home boasts a bright and inviting interior with rich espresso cabinetry, stunning granite countertops, an amazing unique backsplash, stainless steel appliances, and a generously sized kitchen perfect for cooking and entertaining. The main living areas feature warm wood flooring, while tile accents the kitchen and bathrooms for easy maintenance. Upstairs, you'll find cozy carpeted bedrooms with plenty of space for relaxation and privacy. The spacious primary suite showcases a beautifully designed oversized walk-in shower with dual shower heads, offering a true spa-like experience. Timeless plantation shutters enhance the elegance and charm throughout the home. Step outside to enjoy the private screened lanai-the perfect spot for morning coffee or unwinding after a long day. Ideally located with easy access to US-19, shopping, dining, beaches, and everyday conveniences are just minutes away. This move-in-ready home has been exceptionally cared for with many upgrades and is ready for its next owner to enjoy!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,602
Sqft
0.07 ac
Lot size
2
Garage
2016
Year built
Two
Levels
$195
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.
$2,745 /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
$2,745/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.
vs edgeAI estimate
−5.2%
$/sqft vs Tarpon Springs actives
$195 vs $244
Days on market
57 vs 48 typical
Where $195/sqft sits among the 275 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 Tarpon Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tarpon Springs. See the full Tarpon Springs guide →
TARPON SPRINGS 34689 — neighborhood snapshot
Population
27,007
Median age
55.7
Median income
$66,523
Median home value
$311,500
Avg household
2.15
Households w/ children
1,849
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)
152 of 275
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 8% 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 994 CELTIC CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$252,500
1875 SOMMARIE WAY · same community
3 bd · 2.5 ba · 1,602 sqft · $158/sqft · 38 DOM
Sold · Jun ’26$305,000
971 CELTIC CIRCLE · same community
3 bd · 2.5 ba · 1,604 sqft · $190/sqft · 119 DOM
Sold · Jun ’26$490,000
1272 JASMINE LAKE DRIVE
3 bd · 2 ba · 1,619 sqft · $303/sqft · 21 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 994 CELTIC CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 994 CELTIC CIRCLE — 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
994 CELTIC CIRCLE FAQs
What would the monthly payment be for 994 CELTIC CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,745/mo — principal and interest, the actual property-tax bill, the $269/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 994 CELTIC CIRCLE?+
The association fee works out to $269 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 994 CELTIC CIRCLE?+
The most recent tax bill on record (2025) was $4,020. 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 994 CELTIC CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $313,000, this home is listed about 26% below the Tarpon Springs median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 994 CELTIC CIRCLE?+
Tarpon Springs High School (high), Tarpon Springs Middle School (middle), Sunset Hills Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY · Karen Capen. MLS #W7886108.
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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