849 CALLISTA CAY LOOP, TARPON SPRINGS, FL, 34689
Active4 days on marketListed Oct 15, 2026MLS #TB8558064
About this home
849 CALLISTA CAY LOOP
Welcome to Callista Cay, a beautiful GATED WATERFRONT COMMUNITY in the heart of Tarpon Springs, where boating, coastal charm, and everyday convenience come together! This spacious 3-bedroom, 2.5-bath End Unit townhome offers a thoughtfully designed three-level floor plan, exceptional upgrades, and an incredible opportunity to enjoy the Florida lifestyle. The first level features an OVERSIZED two-car tandem garage measuring approximately 19' x 41', and a large storage closet, offering abundant space for vehicles, golf carts, bicycles, kayaks, and all your Florida toys! There is even the potential to add a private elevator, providing additional flexibility for future needs. Upstairs, the main living level welcomes you with an open-concept design connecting the kitchen, dining, and family room, creating a comfortable space for everyday living and entertaining. Luxury vinyl flooring flows throughout the home, while hurricane impact windows and doors offer added peace of mind. Step outside to one of TWO beautiful screened outdoor living spaces, perfect for morning coffee, evening cocktails, or simply enjoying the surrounding tropical scenery. A convenient half bath completes this level. The third floor is dedicated to the bedrooms, including a generously sized primary suite with a beautifully updated bathroom and spacious walk-in closet. Two additional bedrooms, a full guest bathroom, and a dedicated laundry room on the SAME FLOOR make daily living that much easier. And then there's the lifestyle! Callista Cay offers residents the security of gated access along with fantastic waterfront amenities, including a COMMUNITY POOL AND HOT TUB, clubhouse with a kitchen and bathrooms, and a community dock. Love boating? Enjoy the opportunity for YEAR-ROUND BOATING, with boat slips often available for rent (average $275 a month), allowing you to take advantage of the surrounding waterways and Gulf Coast lifestyle. Beyond the gates, discover everything that makes Tarpon Springs so special! Explore the historic Sponge Docks, indulge in authentic Greek cuisine, stroll through charming downtown boutiques, enjoy waterfront dining, or spend your afternoons soaking up the sunshine at Fred Howard Park and Sunset Beach. The nearby Pinellas Trail offers miles of outdoor recreation, while the area's boating, fishing, kayaking, festivals, and beautiful coastal scenery make every day feel a little more like vacation. Whether you're looking for a full-time residence or the perfect seasonal coastal retreat, this home offers the space, thoughtful upgrades, community amenities, and LOCATION to enjoy the very best of Florida living. HOA covers Water, Sewer, Trash, Basic Cable TV, Internet, Maintenance of Grounds, Community Pool, Painting of Exteriors, Roofs, Roads and Gates for $430 a month. Assumable flood policy available for $610 a year.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,828
Sqft
0.06 ac
Lot size
2
Garage
2020
Year built
Three Or More
Levels
$205
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.
$3,530 /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
$3,530/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
−5.4%
$/sqft vs Tarpon Springs actives
$205 vs $248
Days on market
4 vs 72 typical
Where $205/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)
152 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 15% 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 849 CALLISTA CAY LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$475,000
876 CALLISTA CAY LOOP · same community
3 bd · 2.5 ba · 1,828 sqft · $260/sqft · 345 DOM
Sold · Jan ’26$400,000
838 CALLISTA CAY · same community
3 bd · 2.5 ba · 2,222 sqft · $180/sqft · 39 DOM
Sold · Apr ’26$780,000
372 WESTWINDS DRIVE
3 bd · 2 ba · 1,791 sqft · $436/sqft · 3 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 849 CALLISTA CAY LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 849 CALLISTA CAY LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
849 CALLISTA CAY LOOP FAQs
What would the monthly payment be for 849 CALLISTA CAY LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,530/mo — principal and interest, the actual property-tax bill, the $430/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 849 CALLISTA CAY LOOP?+
The association fee works out to $430 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 849 CALLISTA CAY LOOP?+
The most recent tax bill on record (2025) was $6,796. 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 849 CALLISTA CAY LOOP?+
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 $375,000, this home is listed about 12% 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 849 CALLISTA CAY LOOP?+
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
01Positioned at the premium end
$375,000 runs 15% above the TARPON SPRINGS 34689 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Tarpon Springs market that averages 72 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTEC GROUP INC · Mark Fazzini. MLS #TB8558064.
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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