
HARBOUR WATCH CIRCLE, TARPON SPRINGS, FL, 34689
Active228 days on marketListed Mar 5, 2026MLS #O6388038
About this home
HARBOUR WATCH CIRCLE
Prime residential lot opportunity in Tarpon Springs, Pinellas County, located at Harbour Watch Cir, Tarpon Springs, FL 34689. Situated in a desirable residential area, this property offers convenient access to Anclote High School (approximately 1.71 miles), Paul R. Smith K-8 (1.89 miles), Riverside Park (1.85 miles), Anclote Gulf Park (1.72 miles), and major highways (1.83 miles). The lot is located in Flood Zone AE, a high-risk flood area with a 1/100 annual chance of flooding. This requires elevated construction such as on pilings or stem walls above the base flood elevation, flood vents if applicable, and mandatory flood insurance. No wetlands are present on or near the site, allowing for development without additional wetland-related buffers or mitigation requirements. Zoned RLM (Residential Low Medium), buyers should verify all specific permitted uses, density, setbacks, utility availability, and development requirements with the Tarpon Springs Planning Department due the official Land Development Code and request a Zoning Verification Letter. The property is available for a self-guided tour. Subleasing is not permitted. This lot is not available for rent or lease.
Facts & features
The home at a glance
0.3 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.
$1,448 /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
$1,448/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 45% 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 HARBOUR WATCH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,250,000
2017 HARBOUR WATCH CIRCLE · same community
4 bd · 4.5 ba · 2,869 sqft · $436/sqft · 2 DOM
Sold · May ’26$910,000
2002 ALEXIS COURT · same community
5 bd · 2.5 ba · 3,124 sqft · $291/sqft · 81 DOM
Sold · Nov ’25$1,500,000
2081 POINTE ALEXIS DRIVE · same community
4 bd · 2.5 ba · 3,546 sqft · $423/sqft · 173 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about HARBOUR WATCH CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for HARBOUR WATCH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
HARBOUR WATCH CIRCLE FAQs
What would the monthly payment be for HARBOUR WATCH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,448/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 HARBOUR WATCH CIRCLE?+
The most recent tax bill on record (2025) was $1,787. 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 $180,000, this home is listed about 58% 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 HARBOUR WATCH CIRCLE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of SUNLAND REAL ESTATE, LLC. · Javier Santana. MLS #O6388038.
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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