632 Cross St, photo 1
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Overview

3 bd1 ba1,138 sqftSingle Family
TypeSingle Family
HOANone listed
Built1935
Lot5,732 sqft
Living area1,138 sqft
Price / sqft$411

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Cathedral Ceiling(s)Eat-in KitchenLiving Room/Dining Room ComboWindow TreatmentsLightingPrivate MailboxRain GuttersSidewalk

632 Cross St is a 1935-built home in Hopes B, Tarpon Springs. Inside you'll find 3 bedrooms, 1 bathrooms, and 1,138 square feet of living space. Listed at $468,200 (about $411/sqft), 364 days on market. Flood zone AE* - confirm flood insurance requirements with your lender.

From the listing

FANTASTIC OPPORTUNITY TO OWN A DOUBLE LOT WITH HOME JUST 1 BLOCK OFF THE SPONGE DOCKS! POTENTIAL FOR BUSINESS ACTIVITY GALORE EXISTS! ZONING IS T4, CURRENTLY USED AS A RESIDENTIAL HOME, HOWEVER, T4 ZONING AUTOMATICALLY ALLOWS MANY COMMERCIAL USES THAT DO NOT REQUIRE A ZONING CHANGE. ONCE IN A LIFETIME GOLDEN TICKET OPPORTUNITY WITH SPECIAL T4 ZONING THAT ALLOWS YOU TO HAVE HOME & BUSINESS CONVERT TO BUSINESS! MANY BUSINESS USES OR KEEP IT AS A RESIDENTIAL HOME! T4 ZONING AUTOMATICALLY ALLOWS MULTIPLE TYPES OF BUSINESSES MAKING THIS A VERY RARE, VERY VALUABLE PROPERTY ON 2 LOTS! SEE OR ASK AGENT TO PROVIDE THE T4 USE ALLOWANCES FOR YOUR SPECIFIC NEEDS! NEW ATTIC INSULATION INSTALLED 1/13/2025. TERMINEX TRAPS FOR FULL PROTECTION AND INSPECTED 2/11/2025. ANNUAL EXCLUSION INSPECTION FOR PESTS, RODENTS, TERMITES AND FOUND CLEAR! WHEN CENTRAL HVAC WAS INSTALLED ALL NEW DUCTWORK WAS INSTALLED AS WELL! THIS IS A TRUE 3 BEDROOM WITH PLENTY OF STORAGE! CAN YOU BELIEVE THIS HOME HAS BEEN IN THE FAMILY FOR OVER 90 YEARS AND WAS CUSTOM BUILT TO LAST FOREVER! AS THEY SAY LOCATION IS EVERYTHING...THIS PROPERTY IS LOCATED IN THE HUB OF TARPON SPRINGS WITH ALL OF THE GREEK CULTURE AND FLAVORS OF THE SPONGE DOCKS! PLENTY OF TOURIST SHOPS, AUTHENTIC GREEK EATERIES, HISTORICAL SITES & COMMERCIAL SPONGE OR DOLPHIN EXCURSION DOCKS JUST A STEP AWAY! THIS IS TRULY A ONCE IN A LIFETIME OPPORTUNITY TO OWN A PIECE OF HISTORY AND BE A PART OF THE ART & CULTURE FOUND IN THIS SPECTACULAR PART OF TOWN! DID YOU KNOW TARPON SPRINGS IS KNOWN AS THE "SPONGE CAPITAL OF THE WORLD" AND ALSO "GREEKTOWN"! IMAGINE LIVING & WORKING IN THIS AMAZING ENVIRONMENT WITH ALL OF THE SIGHTS & SMELLS OF THE GREEK WORLD MEET THE GORGEOUS FLORIDA SUNSHINE & BLUE HARBOR WATERWAYS! TARPON SPRINGS OFFERS A UNIQUE BLEND OF HISTORY, NATURE AND COASTAL CHARM!

The essentials

Built
1935
Price / sqft
$411
On market
364 days
Annual tax
$595
Flood zone
AE*
Lot
5,732 sqft
Type
Single Family Residence

At a glance

Single family
Built 1935
5,732 sqft lot
Lot size
1,138 sqft
Living area

Payment

Est. monthly payment
$2,726/mo
Down payment (20%)
$93,640
Property taxes
$50/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1935
Lot
5,732 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Covered, Driveway, On Street, Oversized, Parking Pad
Days on Market
364
Cathedral Ceiling(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Window Treatments
Lighting
Private Mailbox
Rain Gutters
Sidewalk
Storage
Sidewalks
Street Lights
Dishwasher
Dryer
Exhaust Fan
Gas Water Heater
Range
Refrigerator
Tankless Water Heater
Washer
Homestead exemption on file Flood Zone AE*
Annual Tax (2024)
$595
Parcel #
12-27-15-41238-000-0040

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Hopes B
County
Pinellas
MLS Area
34689 - Tarpon Springs
Lot Size
5,732 sqft
ClearedFloodZoneHistoric DistrictCity LimitsIn CountyNear Public TransitSidewalkStreet Brick

Price history

Date
Event
Price
2/16/2026
Price change
Source: Stellar MLS #TB8438161
$468,200-5.3%
$411/sqft
10/15/2025
Listed for sale
Source: Stellar MLS #TB8438161
$494,500
$435/sqft

Neighborhood

632 Cross St
Tarpon Springs, FL, 34689 · 34689 - Tarpon Springs

Market insights

Offer Insights

Choose an offer strength

List price: $468,200
$460,000 – $468,200
98.4% – 100% of listTops out right at the list price
80% of listList price
93 of the last 185 home closings in 34689 landed at this number or higher (50%). The median one sat 29 days before it went under contract, and this one is on day 364 after a $26,300 cut.

Sample: 185 closed home sales in 34689 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,726/mo
Principal & interest$2,442
Property taxes$50
Insurance$234
Down payment20% · $93,640
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$468,200

$411 per sq ft

Beds and baths

3 beds, 1 baths

Size

1,138 sq ft

Time on market

364 days

Year built

1935

Monthly payment

About $2,726/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $595 annual tax bill, insurance.

Flood zone

Zone AE*

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byDENNIS REALTY & INV. CORP.Listing agent: Patti WebsterListing data from Stellar MLS, MLS# TB8438161.

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