Lot #24 SAIL HARBOR CIRCLE LANE, TARPON SPRINGS, FL, 34689
Active60 days on marketListed Aug 20, 2026MLS #A4703528
About this home
Lot #24 SAIL HARBOR CIRCLE LANE
Almost 3/4 of an acre in an upscale neighborhood ... backs up to a pond and a pond to one side, so only one neighbor to other side.......Selling below the 2021 purchase price.... Established neighborhood that sits on the shores of Salt Lake....Homeowners share a private boat ramp and dock, offering water access to the Gulf of Mexico via the Anclote River. HOA is only $500/ year
Facts & features
The home at a glance
0.75 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 and the real association fee — not generic estimates.
$1,605 /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
$1,605/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 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
$433K → $415K
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 42% 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 Lot #24 SAIL HARBOR CIRCLE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$635,000
1471 N JASMINE AVENUE · same community
4 bd · 3 ba · 3,326 sqft · $191/sqft · 139 DOM
Sold · Dec ’25$995,000
1566 MARY LANE · same community
4 bd · 4 ba · 3,854 sqft · $258/sqft · 44 DOM
Sold · Feb ’26$145,000
90 S HIGHLAND AVENUE UNIT 1306
1 bd · 1 ba · 693 sqft · $209/sqft · 2 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about Lot #24 SAIL HARBOR CIRCLE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for Lot #24 SAIL HARBOR CIRCLE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
Lot #24 SAIL HARBOR CIRCLE LANE FAQs
What would the monthly payment be for Lot #24 SAIL HARBOR CIRCLE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,605/mo — principal and interest, the actual property-tax bill, the $42/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 Lot #24 SAIL HARBOR CIRCLE LANE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on Lot #24 SAIL HARBOR CIRCLE LANE?+
The most recent tax bill on record (2025) was $2,424. 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 Lot #24 SAIL HARBOR CIRCLE LANE?+
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 $189,800, this home is listed about 56% below the Tarpon Springs median of $427,000. The market section on this page shows how the area is trending.
Which schools are assigned to Lot #24 SAIL HARBOR CIRCLE LANE?+
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
$189,800 is 42% below the TARPON SPRINGS 34689 median of $325,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $198,900, now $189,800 — a $9K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLATFEE.COM · Cliff Glansen. MLS #A4703528.
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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