381 MOORINGS COVE DRIVE UNIT 9B, TARPON SPRINGS, FL, 34689
Active14 days on marketListed Oct 4, 2026MLS #TB8554593
About this home
381 MOORINGS COVE DRIVE UNIT 9B
FREE BOAT DOCKING INCLUDED! GULF-ACCESS BOATING COMMUNITY! Bring your boat and enjoy the incredible convenience of having your boat right outside your back door at no additional cost. Boat docks are included in the monthly HOA fee and are available on a first-come, first-served basis. This beautifully renovated first-floor 2-bedroom, 2-bathroom waterfront residence offers the perfect combination of coastal Florida living, modern updates, and resort-style amenities. Everything has been completely renovated from floor to ceiling, creating a truly move-in-ready home. The brand-new kitchen features beautiful cabinetry with soft-close doors and drawers, elegant quartz countertops, and new appliances. Additional updates include luxury vinyl tile flooring throughout, a new electrical panel, new A/C, and so much more. The home also offers generous closet and storage space, along with a washer and dryer conveniently located inside the unit. Step outside and enjoy spectacular canal-front living, where you can relax and watch dolphins and manatees play right from your community. With Gulf access just minutes away, this is a boater's dream location. The community offers an impressive array of amenities, including a heated waterfront pool, clubhouse, waterfront dock and boardwalk, kayak and paddleboard launch, gazebo picnic area, covered bike storage, and storage racks for kayaks and canoes. The HOA fee includes an exceptional list of services and expenses, including internet, cable TV, water, sewer, trash, common-area taxes, master insurance including flood insurance, and grounds and exterior maintenance. Enjoy worry-free living while taking advantage of the beautiful waterfront surroundings. Location is equally impressive. Walk or bike to downtown Tarpon Springs to enjoy local restaurants, shops, and the charm of this historic community. You are also close to Sunset Beach, Fred Howard Park, the famous Tarpon Springs Sponge Docks, golf courses, hospitals, and the approximately 53-mile Pinellas Trail, perfect for walking, running, and cycling. This is a rare opportunity to own a completely renovated waterfront home in a desirable Gulf-access boating community with FREE BOAT DOCKING, incredible amenities, and an unbeatable Tarpon Springs location. Come experience the Florida lifestyle you've been waiting for!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,020
Sqft
1976
Year built
One
Levels
$245
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.
$2,729 /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
$2,729/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
+23.1%
$/sqft vs Tarpon Springs actives
$245 vs $247
Days on market
14 vs 71 typical
Where $245/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
$433K → $415K
Tarpon Springs median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
153 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 24% 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 381 MOORINGS COVE DRIVE UNIT 9B
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$177,000
377 MOORINGS COVE DRIVE UNIT 9H · same community
2 bd · 2 ba · 1,020 sqft · $174/sqft · 13 DOM
Sold · Mar ’26$220,000
332 MOORINGS COVE DRIVE UNIT 2E · same community
3 bd · 2 ba · 1,210 sqft · $182/sqft · 120 DOM
Sold · Jun ’26$135,000
388 MOORINGS COVE DRIVE UNIT 6E · same community
1 bd · 1 ba · 740 sqft · $182/sqft · 191 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 381 MOORINGS COVE DRIVE UNIT 9B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 381 MOORINGS COVE DRIVE UNIT 9B — 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
381 MOORINGS COVE DRIVE UNIT 9B FAQs
What would the monthly payment be for 381 MOORINGS COVE DRIVE UNIT 9B?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,729/mo — principal and interest, the actual property-tax bill, the $812/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 381 MOORINGS COVE DRIVE UNIT 9B?+
The association fee works out to $812 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 381 MOORINGS COVE DRIVE UNIT 9B?+
The most recent tax bill on record (2025) was $2,093. 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 381 MOORINGS COVE DRIVE UNIT 9B?+
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 $250,000, this home is listed about 41% 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 381 MOORINGS COVE DRIVE UNIT 9B?+
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
$250,000 is 24% below the TARPON SPRINGS 34689 median of $329,000, and at $245/sqft it sits under the Tarpon Springs average of $273.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $812/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Renee Gialousis. MLS #TB8554593.
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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