$650,000
170 E SPRUCE STREET, TARPON SPRINGS, FL 34689
Beds
3
Baths
2
Sq Ft
1,900 sq ft
Year Built
2020
Lot Size
0.10 acres
Garage
9
About This Property
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.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Turn West off of ALT 19. Home is half way up Spruce St
Location
170 E SPRUCE STREET, TARPON SPRINGS, FL 34689
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$650,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $650,000 home in TARPON SPRINGS.
🏛️
FHA Loan
$22,750 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$32,500 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pinellas County SHIP
Varies
Income-qualifying Pinellas residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: August 23, 2026.