12 MARINER DRIVE UNIT 12, TARPON SPRINGS, FL, 34689
Active202 days on marketListed Jan 23, 2026MLS #TB8465438
About this home
12 MARINER DRIVE UNIT 12
Virtually Staged. Welcome to refined waterfront living in this exceptional three-bedroom, three-bath townhome-style residence that lives like a single-family home, located in the coveted Mariner Village waterfront community. Offering the privacy and spaciousness of a standalone home with the convenience of MAINTENANCE FREE LIVING, this residence includes exterior maintenance, grounds care, and access to all community amenities, with cable TV, internet, water, sewer, and trash all included - Thoughtfully designed across three levels, the home offers a seamless blend of elegance, comfort, and resort-style living. The main living level showcases an open-concept layout ideal for sophisticated entertaining. The chef’s kitchen is appointed with custom wood soft-close cabinetry, stainless steel appliances, an expansive breakfast bar, and a built-in wine refrigerator. Flowing effortlessly into the living area, you’ll find a corner wood-burning fireplace and walls of glass that open to a private screened lanai, creating an inviting indoor-outdoor ambiance. A beautifully appointed flex space on this level—ideal as a guest suite, executive home office, or library—features pocket sliding doors, custom built-ins, additional storage, and a private en suite bath with walk-in shower, along with direct lanai access. The third floor offers a tranquil retreat. A guest bedroom with water views, generous closet space, and a private bath provides comfort and privacy. The primary suite is a true sanctuary, featuring its own screened balcony, a versatile sitting or office alcove, an expansive walk-in closet, and a spa-inspired en suite bath with an oversized walk-in shower, dual vanities, abundant storage, and a private water closet. The first-floor living space enhances the home’s versatility with an open layout highlighted by a stacked-stone wood-burning fireplace and an elegant wet bar complete with sink, mini refrigerator, and custom cabinetry—ideal for hosting or relaxing. Sliding glass doors lead to an extended brick-paver patio, perfect for alfresco dining and outdoor lounging. This level also includes a dedicated laundry room and a bonus studio or storage space. Additional features include a two-car garage with ample storage, engineered hardwood flooring throughout the upper levels, and beautiful tile flooring on the first floor. Residents of Mariner Village enjoy exclusive access to two clubhouses, resort-style pools, walking trails, tennis courts, and convenient kayak launches, with one located just steps from the residence. Impeccably maintained and truly turn-key, this home offers the ease of maintenance-free living without sacrificing space, privacy, or luxury—an exceptional waterfront lifestyle.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,980
Sqft
0 ac
Lot size
2
Garage
1979
Year built
Three Or More
Levels
$193
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.
$3,900 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,900/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$193 vs $244
Days on market
202 vs 46 typical
Where $193/sqft sits among the 276 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
$433K → $400K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
150 of 276
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 66% 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 12 MARINER DRIVE UNIT 12
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$975,000
335 CROSSWINDS DRIVE
3 bd · 2 ba · 2,853 sqft · $342/sqft · 106 DOM
Sold · Jul ’26$1,350,000
110 CARLYLE CIRCLE
3 bd · 3 ba · 2,702 sqft · $500/sqft · 208 DOM
Sold · May ’26$1,760,000
116 CARLYLE CIRCLE
4 bd · 4.5 ba · 3,344 sqft · $526/sqft · 46 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12 MARINER DRIVE UNIT 12 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 MARINER DRIVE UNIT 12 — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12 MARINER DRIVE UNIT 12 FAQs
What would the monthly payment be for 12 MARINER DRIVE UNIT 12?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,900/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 12 MARINER DRIVE UNIT 12?+
The most recent tax bill on record (2024) was $5,128. 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 12 MARINER DRIVE UNIT 12?+
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 $574,000, this home is listed about 33% above the Tarpon Springs median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12 MARINER DRIVE UNIT 12?+
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.
The brief
Five things that matter here
01Positioned at the premium end
$574,000 runs 66% above the TARPON SPRINGS 34689 median — but at 2,980 sqft it's also 66% larger than the typical Tarpon Springs listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
202 days on market against a Tarpon Springs median of 46 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Tarpon Springs High School, Tarpon Springs Middle School, Sunset Hills Elementary School — Sunset Hills Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $685,000, now $574,000 — a $111K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Vanessa Leonard. MLS #TB8465438.
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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