648 SPRING LAKE CIRCLE, TARPON SPRINGS, FL, 34688
Active22 days on marketListed Jul 12, 2026MLS #TB8526658
About this home
648 SPRING LAKE CIRCLE
Virtually Staged. Looking for a move-in ready, newer home in a sought after gated community? Look no more! This beautiful Tarpon Springs townhome sits on a street with sparse traffic in a NON flood zone. Home offers a bright, open plan with high ceilings and includes the following: covered front porch, welcoming foyer, spacious living and dining areas, eat-in kitchen with breakfast bar, large master suite with private bath & walk-in closet, office or guest bedroom, upstairs full bath, separate laundry room, ground floor powder room, screened lanai, rear paved patio, garage, AND 2-car driveway. The abundant ground floor living spaces, screened porch, and paved patio make this home PERFECT for entertaining! Enjoy your morning coffee & evening glass of wine in a peaceful outdoor setting. Property also features the following updates, KITCHEN: granite counters with 4" backsplash, stainless farm sink, faucet, and appliances with stainless steel fridge & dishwasher, BATHROOMS: granite counters, faucets, toilets, showerheads, tub enclosure, and shower enclosure with glass door, INTERIOR: new carpet & luxury vinyl flooring (2026), ceiling fans, light fixtures, Master BR modular walk-in closet system, water heater (2022), PLUS a newer A/C system (2023). The HOA takes care of exterior maintenance including the roof, paint, and lawn care. They recently resurfaced the community pool, built a new dock, and resurfaced the roads. Townhomes at North Lake is a meticulously maintained, tropically landscaped, lakefront community with mature plants, shrubs, palms, majestic trees, and lush green lawns. Amenities include: nicely paved gated entry, fenced common areas, private mailboxes, sidewalks, guest parking spots, and a tranquil recreation area with refreshing lakefront pool and new fishing dock ON Salt Lake. It is ideally located just off the beaten path yet near everything! For bicyclists, the Pinellas Trail extension is adjacent to the community. A short drive away is Lake Tarpon, several shopping hubs, countless restaurants, historic downtown Tarpon Springs along with its famous Sponge Docks, and the sandy beaches of Howard Park. This is a MUST SEE for buyers seeking a move-in ready, maintenance free townhome in a gated community. PLEASE NOTE: this home is being offered under recent appraised value.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,378
Sqft
0.05 ac
Lot size
1
Garage
2004
Year built
Two
Levels
$203
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.
$2,686 /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
$2,686/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
−3.8%
$/sqft vs Tarpon Springs actives
$203 vs $246
Days on market
22 vs 48 typical
Where $203/sqft sits among the 269 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
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tarpon Springs market
$486K → $385K
Tarpon Springs median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
143 of 269
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 3% 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 648 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 · May ’26$282,500
660 SPRING LAKE CIRCLE · same community
2 bd · 2.5 ba · 1,378 sqft · $205/sqft · 108 DOM
Sold · Apr ’26$350,000
656 SPRING LAKE CIRCLE · same community
3 bd · 2 ba · 1,590 sqft · $220/sqft · 65 DOM
Sold · Dec ’25$355,000
527 SPRING LAKE CIRCLE · same community
3 bd · 3 ba · 1,759 sqft · $202/sqft · 57 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 648 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 648 SPRING LAKE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
648 SPRING LAKE CIRCLE FAQs
What would the monthly payment be for 648 SPRING LAKE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,686/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 648 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 648 SPRING LAKE CIRCLE?+
The most recent tax bill on record (2025) was $4,943. 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 648 SPRING LAKE CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $279,900, this home is listed about 34% 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 648 SPRING LAKE CIRCLE?+
Brooker Creek Elementary School (elementary), East Lake 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
01Under the TARPON SPRINGS 34688 market on paper
$279,900 is 3% below the TARPON SPRINGS 34688 median of $290,000, and at $203/sqft it sits under the Tarpon Springs average of $270.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Brooker Creek Elementary School, East Lake High School, Tarpon Springs Middle School — Brooker Creek Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DUNEDIN REALTY LLC · Pete Dagios. MLS #TB8526658.
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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