170 E SPRUCE STREET, TARPON SPRINGS, FL, 34689
Active4 days on marketListed Aug 10, 2026MLS #TB8537334
About this home
170 E SPRUCE STREET
Elevated, nearly new construction in the heart of Tarpon Springs — this 3-bedroom, 2-bathroom coastal home was built just 6 years ago and thoughtfully raised above the flood zone, offering peace of mind that older homes in the area simply can't match. From the moment you step inside, you'll notice the modern finishes, open layout, and quality craftsmanship of a home built to current Florida code — engineered for durability, energy efficiency, and long-term insurability. The main living level features an open-concept design that flows effortlessly to a spacious covered balcony — the perfect spot to enjoy your morning coffee, entertain guests, or unwind with Florida's signature Gulf breezes. Below the elevated main floor, you'll find a fully finished efficiency unit with its own private entrance and full kitchenette — a rare bonus space that adds tremendous versatility to the property. While not counted in the home's official living area due to its location within the flood zone, this space has been successfully used as a private guest suite and rental unit, generating meaningful supplemental income for the current owners. Ideal for extended family, visiting guests, a home office, or continued rental use. Located just minutes from historic downtown Tarpon Springs, the world-famous Sponge Docks, Fred Howard Park, Sunset Beach, and the Pinellas Trail, this property offers the best of Florida's Gulf Coast lifestyle — walkable, laid-back, and full of charm. Whether you're looking for a full-time residence, seasonal retreat, or an income-producing opportunity, 170 East Spruce Street delivers modern peace of mind in one of Tarpon Springs' most desirable neighborhoods.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,900
Sqft
0.1 ac
Lot size
9
Garage
2020
Year built
One
Levels
$342
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.
$4,454 /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
$4,454/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
+33.1%
Days on market
4 vs 46 typical
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 Uptown 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 →
Uptown Tarpon Springs — neighborhood snapshot
Population
73
Median age
47
Median income
$36,544
Median home value
$269,200
Avg household
2
Households w/ children
2%
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)
Median sold price, Tarpon Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 96% above the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →
Paper trail
This home's history
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
Carlos Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 170 E SPRUCE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 170 E SPRUCE STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Carlos's phone and CRM.
Straight answers
170 E SPRUCE STREET FAQs
What would the monthly payment be for 170 E SPRUCE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,454/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 170 E SPRUCE STREET?+
The most recent tax bill on record (2026) was $6,511. 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 $650,000, this home is listed about 51% 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 170 E SPRUCE STREET?+
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
$650,000 runs 96% above the TARPON SPRINGS 34689 median.
02Trees/Woods views
The trees/woods 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 46 — if it fits, move quickly.
Listing courtesy of SUNBELT REAL ESTATE FLORIDA · Christopher Dufala. MLS #TB8537334.
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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