642 SPRING LAKE CIRCLE, TARPON SPRINGS, FL, 34688
Active2 days on marketListed Oct 16, 2026MLS #TB8557227
About this home
642 SPRING LAKE CIRCLE
MAINTENANCE-FREE townhome in the GATED 'Townhomes at North Lake' subdivision. This townhome boasts 3 Bedrooms, 2.5 Baths + Loft, Screened Porch and 2-Car Garage. Versatile and appealing floorplan features 1,684 sq.ft. of air-conditioned living space with Primary Bedroom on first floor. Upstairs are the 2 additional bedrooms & bathroom & a loft area which overlooks the downstairs living area. This home is also in an X-Flood Zone so Flood Insurance is optional. North Lake also features a Community Pool and a dock on North Lake. This incredible townhome is centrally located in Tarpon Springs with easy access to Route 19 & all the charm of Tarpon Springs, including restaurants, marinas, sponge docks & city & county parks. The Pinellas Trail is close to the community entrance and offers miles of trails for your enjoyment. All measurements are approximate & buyer should verify measurements. Unit is sold "AS IS".
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,684
Sqft
0.06 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$178
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.
$2,825 /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
$2,825/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
+13.1%
$/sqft vs Tarpon Springs actives
$178 vs $247
Days on market
2 vs 71 typical
Where $178/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 34688 — neighborhood snapshot
Population
8,767
Median age
50.4
Median income
$111,090
Median home value
$477,100
Avg household
2.62
Households w/ children
894
For the school run
Pasco 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)
154 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 39% below the TARPON SPRINGS 34688 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 642 SPRING LAKE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$355,000
527 SPRING LAKE CIRCLE · same community
3 bd · 3 ba · 1,759 sqft · $202/sqft · 57 DOM
Sold · Apr ’26$350,000
656 SPRING LAKE CIRCLE · same community
3 bd · 2 ba · 1,590 sqft · $220/sqft · 65 DOM
Sold · May ’26$282,500
660 SPRING LAKE CIRCLE · same community
2 bd · 2.5 ba · 1,378 sqft · $205/sqft · 108 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 642 SPRING LAKE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 642 SPRING LAKE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
642 SPRING LAKE CIRCLE FAQs
What would the monthly payment be for 642 SPRING LAKE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,825/mo — principal and interest, the actual property-tax bill, the $343/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 642 SPRING LAKE CIRCLE?+
The association fee works out to $343 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 642 SPRING LAKE CIRCLE?+
The most recent tax bill on record (2026) was $5,084. 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 642 SPRING LAKE CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $299,900, this home is listed about 29% 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 642 SPRING LAKE CIRCLE?+
Trinity Oaks Elementary School (elementary), Seven Springs Middle School (middle), James W. Mitchell High School (high) — Pasco 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 34688 market on paper
$299,900 is 39% below the TARPON SPRINGS 34688 median of $490,000, and at $178/sqft it sits under the Tarpon Springs average of $273.
02Fresh on the market
Only 2 days on market in a Tarpon Springs market that averages 71 — if it fits, move quickly.
03Strong assigned schools
Trinity Oaks Elementary School, Seven Springs Middle School, James W. Mitchell High School — Seven Springs Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA PREMIERE REALTY · Bibi Zanella. MLS #TB8557227.
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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