Derek Perez
$1,150,0003 bd3 ba2,137 sqft$538 /sqft$7,378 /mo all-in ↓

1114 MARINA DRIVE, TARPON SPRINGS, FL, 34689

Active98 days on marketListed May 5, 2026MLS #TB8502380

WaterfrontPrivate poolSingle Family ResidenceANCLOTE ISLES

About this home

1114 MARINA DRIVE

BOATER’S PARADISE – Private Dock, Direct Gulf Access & No Flood Zone! Experience the best of Florida waterfront living in this exceptional home, where boating, relaxation, entertaining, and unforgettable sunsets come together. Step from your backyard onto your private dock, enjoy peaceful mornings overlooking the water, or head out to the Gulf in approximately eight minutes - with deep water flowing through the canal and no bridges to navigate. The property features a private deep-water dock and a 12,000-pound Hi-Tide boat lift, creating an increasingly rare opportunity for boating enthusiasts. Even more remarkable, the home has no history of flooding or water intrusion, including during the 2024 hurricanes. Located in Flood Zone X, flood insurance is not required, although the current owner’s voluntary policy at only $1,266 per year is transferable to the new owner. Across the canal, lush tropical vegetation creates a naturally private backdrop with none of the typical “fishbowl” feel found along many residential canals. Watch dolphins and manatees pass by, enjoy the abundant marine life, or simply unwind while taking in the peaceful waterfront views. The outdoor living areas are designed for both relaxation and entertaining. A beautifully remodeled heated pool is surrounded by elegant travertine decking, while the outdoor kitchen features a large natural gas grill and refrigerator. A striking two-way fireplace connects the outdoor gathering space with the interior, creating an inviting setting for evenings with family and friends. As the day comes to a close, enjoy spectacular private sunset views over the water. Inside, soaring ceilings, walls of glass, and expansive eight-foot sliding doors fill the home with natural light and create a seamless connection between indoor and outdoor living. Plantation shutters add timeless style while framing the waterfront views. The home has been meticulously maintained and thoughtfully upgraded for comfort and peace of mind. Recent improvements include a new tile roof with double underlayment completed in 2024 at an approximate cost of $60,000, a top-of-the-line HVAC system installed in 2026 at an approximate cost of $20,000, a tankless water heater installed in 2025, fresh interior and exterior paint, and most windows replaced in 2022 with hurricane-impact glass. Additional storm protection is also included. Tucked within a tranquil island community of only 19 waterfront homes - and with boat lifts permitted at just 10 properties - this setting feels private and exclusive while remaining close to the Pinellas Trail, the world-famous Tarpon Springs Sponge Docks, Fred Howard Park, and Sunset Beach. A private dock. A 12,000-pound boat lift. Direct Gulf access. Resort-style outdoor living. Proven storm resilience. This is a rare opportunity to enjoy the waterfront lifestyle without compromising comfort, privacy, or peace of mind. Your next chapter on the water begins here - make this dream your reality!

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,137

Sqft

0.26 ac

Lot size

2

Garage

1996

Year built

One

Levels

$538

Per sqft

Private poolWaterfrontFireplacePets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Refrigerator · Tankless Water Heater · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Walk-In Closet(s)
LaundryGas Dryer Hookup · Inside · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionStucco · Wood Frame
FoundationSlab
FacesSouth
ExteriorHurricane Shutters · Irrigation System · Outdoor Grill · Outdoor Kitchen · Private Yard · Sliding Doors

Community & fees

HOA fee$42/mo
Taxes (2025)$6,473/yr
PetsYes
CommunityDeed Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Phone Available · Public · Sewer Connected · Water Connected
WaterPublic

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.

$7,378 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,205
PMI (est., until 20% equity)$431
Property tax — 2025 actual bill$539
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $115,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $115,000
Interest rate6.00%
Loan term

Estimated payment

$7,378/mo

Principal & interest$6,205
PMI (est., until 20% equity)$431
Property taxes (actual bill)$539
HOA / condo fee$42
Est. insurance$160

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.

List $1.1M
$498KedgeAI estimate $548,843 · range $519K$623K$1.2M

vs edgeAI estimate

+109.5%

$/sqft vs Tarpon Springs actives

$538 vs $245

Days on market

98 vs 45 typical

Where $538/sqft sits among the 274 Tarpon Springs actives

79
95
47
25
13
15 · this home
$137–204$204–271$271–338$338–404$404–471$471+

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

Map of 1114 MARINA DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)43 min
Downtown Tampa46 min

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

HighTarpon Springs High School★★★★★
MiddleTarpon Springs Middle School★★★★★
ElementarySunset Hills Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tarpon Springs market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$433K$400K

Tarpon Springs median sold, yr/yr

95.9%

Sale-to-list ratio (12 mo)

145 of 274

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 234% above the TARPON SPRINGS 34689 median. See the full Tarpon Springs market guide →

Paper trail

This home's history

May 5, 2026Listed at $1,150,000 · 98 days on market since
1996Built · ANCLOTE ISLES

Reality check

What actually sold near 1114 MARINA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1149 MARINA DRIVESold · Dec ’25

$850,000

1149 MARINA DRIVE · same community

3 bd · 2.5 ba · 2,337 sqft · $364/sqft · 128 DOM

307 BAY STREETSold · Aug ’25

$662,000

307 BAY STREET

3 bd · 2 ba · 2,112 sqft · $313/sqft · 114 DOM

723 WATERSIDE COURTSold · Apr ’26

$730,000

723 WATERSIDE COURT

4 bd · 2.5 ba · 2,197 sqft · $332/sqft · 5 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.

Derek Perez

Your agent

Derek Perez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1114 MARINA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1114 MARINA DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Derek's phone and CRM.

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Straight answers

1114 MARINA DRIVE FAQs

What would the monthly payment be for 1114 MARINA DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,378/mo — principal and interest, the actual property-tax bill, the $42/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 1114 MARINA DRIVE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1114 MARINA DRIVE?+

The most recent tax bill on record (2025) was $6,473. 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 1114 MARINA DRIVE?+

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 $1,150,000, this home is listed about 167% 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 1114 MARINA DRIVE?+

Tarpon Springs High School (high), Tarpon Springs Middle School (middle), Sunset Hills Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,150,000 runs 234% above the TARPON SPRINGS 34689 median — but at 2,137 sqft it's also 19% larger than the typical Tarpon Springs listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

98 days on market against a Tarpon Springs median of 45 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Tarpon Springs High School, Tarpon Springs Middle School, Sunset Hills Elementary School — Sunset Hills Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of REALTY ONE GROUP BEYOND · Chris Ziebell. MLS #TB8502380.

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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