1040 ROSETREE LN, TARPON SPRINGS, FL, 34689
Active2 days on marketListed Sep 19, 2026MLS #TB8550396
About this home
1040 ROSETREE LN
YOUR PRIVATE FLORIDA OASIS AWAITS! PAID OFF SOLAR, PRIVATE POOL, NO HOA and NO FLOOD ZONE! Welcome to your own slice of Florida living! This inviting 4 bedroom, 2 bath home in Tarpon Springs combines spacious interiors, thoughtful built-ins, and an impressive screened pool and outdoor entertaining area. Skylights throughout the home bring in natural light, complementing the vaulted ceilings and welcoming living spaces. In the heart of the home is the generously sized kitchen, featuring rich wood tone cabinetry, extensive counter space, stainless steel appliances, tall pantry cabinets, and an oversized island with 5 person seating. Pendant lighting and skylights brighten the space, while the open connection to the main living area keeps everyone together when cooking or entertaining. A separate built-in beverage station with glass front cabinetry and wine refrigerator adds a special touch. Crown molding, recessed lighting, tile, and wood flooring, all bring warmth and character to the living spaces. Dining room features a wall of windows overlooking the pool area, along with built-in shelving and cabinetry. The split-bedroom layout provides privacy between the primary suite and guest bedrooms. Primary suite includes a spacious bathroom with dual sinks, extensive vanity and linen cabinetry, and a walk-in shower featuring striking marble tile and newer fixtures. The guest bathroom offers a double sink vanity and a tub/shower combo with a coordinating marble tile surround. Custom Murphy bed in the laundry room adds versatility for guests or a home office, and the two car garage with beautifully paved driveway, provides plenty of parking space and everyday convenience. Step outside and discover where this home truly shines! Expansive screened enclosure around a sparkling pool, gorgeous pavers, and separate deck area with room for outdoor dining and comfortable lounge seating. A gazebo shelters an outdoor grilling station with counter space and cabinetry, making this backyard ideal for weekend cookouts and relaxed evenings at home. Mature palms, tropical landscaping, and privacy fencing create a secluded retreat, with plenty of sliding-door access connecting the indoor and outdoor spaces. Energy-saving features add even more appeal! Solar panels installed in 2018 are COMPLETELY PAID OFF and owned outright, with no solar lease or loan to assume. Improvements include an HVAC system installed in 2023 with a UV light filter added in 2026, pool pump 2026, water heater 2026, pavers sealed and cleaned 2026, fence 2023, pool resurfacing 2022, solar pool heating added in 2020, and upgraded attic insulation 2017. The separate pool heater has also been maintained annually. Enjoy the best that Tarpon Springs has to offer! Minutes from the Sponge Docks and Fred Howard Park, local shops, restaurants, and plenty of gorgeous locations to catch the sunset. From the spacious kitchen to the private poolside retreat, this home offers wonderful spaces to gather, unwind, and enjoy Florida living. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,228
Sqft
0.23 ac
Lot size
2
Garage
1988
Year built
One
Levels
$310
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.
$4,545 /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
$4,545/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.
vs edgeAI estimate
+14.3%
$/sqft vs Tarpon Springs actives
$310 vs $241
Days on market
2 vs 46 typical
Where $310/sqft sits among the 271 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)
159 of 271
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 100% 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 1040 ROSETREE LN
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$605,000
76 GULFWINDS DRIVE
4 bd · 4 ba · 2,192 sqft · $276/sqft · 173 DOM
Sold · Oct ’25$580,000
77 GULFWINDS DRIVE
3 bd · 2 ba · 2,304 sqft · $252/sqft · 108 DOM
Sold · Jan ’26$615,000
100 GULFWINDS DRIVE W
4 bd · 3.5 ba · 2,114 sqft · $291/sqft · 8 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 1040 ROSETREE LN — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1040 ROSETREE LN — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1040 ROSETREE LN FAQs
What would the monthly payment be for 1040 ROSETREE LN?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,545/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 1040 ROSETREE LN?+
The most recent tax bill on record (2025) was $4,844. 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 $689,900, this home is listed about 60% above the Tarpon Springs median of $432,450. The market section on this page shows how the area is trending.
Which schools are assigned to 1040 ROSETREE LN?+
Tarpon Springs Elementary School (elementary), Tarpon Springs High School (high), Tarpon Springs Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$689,900 runs 100% above the TARPON SPRINGS 34689 median — but at 2,228 sqft it's also 24% larger than the typical Tarpon Springs listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 2 days on market in a Tarpon Springs market that averages 46 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Latricia Stoddard. MLS #TB8550396.
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.
Never miss a listing
New Tarpon Springs homes, in your inbox
Like 1040 ROSETREE LN but not quite? A daily digest of every new listing in Tarpon Springs — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Iain to ping you on any price or status change →