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Overview

4 bd2 ba2,228 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1988
Lot10,106 sqft
Living area2,228 sqft
Price / sqft$303
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingDry BarEat-in KitchenOpen FloorplanSplit BedroomStone Counters

1040 Rosetree Ln is a 1988-built home in Florida Oaks Second Add, Tarpon Springs. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,228 square feet of living space. Listed at $674,900 (about $303/sqft), 23 days on market. Flood zone X500, AE - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

YOUR PRIVATE FLORIDA OASIS AWAITS! PAID OFF SOLAR, PRIVATE POOL, and NO HOA! Welcome to your own slice of Florida living! This inviting 4 bedroom, 2 bath home in Tarpon Springs combines spacious interiors, thoughtful built-ins, and an impressive screened pool and outdoor entertaining area. Skylights throughout the home bring in natural light, complementing the vaulted ceilings and welcoming living spaces. In the heart of the home is the generously sized kitchen, featuring rich wood tone cabinetry, extensive counter space, stainless steel appliances, tall pantry cabinets, and an oversized island with 5 person seating. Pendant lighting and skylights brighten the space, while the open connection to the main living area keeps everyone together when cooking or entertaining. A separate built-in beverage station with glass front cabinetry and wine refrigerator adds a special touch. Crown molding, recessed lighting, tile, and wood flooring, all bring warmth and character to the living spaces. Dining room features a wall of windows overlooking the pool area, along with built-in shelving and cabinetry. The split-bedroom layout provides privacy between the primary suite and guest bedrooms. Primary suite includes a spacious bathroom with dual sinks, extensive vanity and linen cabinetry, and a walk-in shower featuring striking marble tile and newer fixtures. The guest bathroom offers a double sink vanity and a tub/shower combo with a coordinating marble tile surround. Custom Murphy bed in the laundry room adds versatility for guests or a home office, and the two car garage with beautifully paved driveway, provides plenty of parking space and everyday convenience. Step outside and discover where this home truly shines! Expansive screened enclosure around a sparkling pool, gorgeous pavers, and separate deck area with room for outdoor dining and comfortable lounge seating. A gazebo shelters an outdoor grilling station with counter space and cabinetry, making this backyard ideal for weekend cookouts and relaxed evenings at home. Mature palms, tropical landscaping, and privacy fencing create a secluded retreat, with plenty of sliding-door access connecting the indoor and outdoor spaces. Energy-saving features add even more appeal! Solar panels installed in 2018 are COMPLETELY PAID OFF and owned outright, with no solar lease or loan to assume. Improvements include an HVAC system installed in 2023 with a UV light filter added in 2026, pool pump 2026, water heater 2026, pavers sealed and cleaned 2026, fence 2023, pool resurfacing 2022, solar pool heating added in 2020, and upgraded attic insulation 2017. The separate pool heater has also been maintained annually. Enjoy the best that Tarpon Springs has to offer! Minutes from the Sponge Docks and Fred Howard Park, local shops, restaurants, and plenty of gorgeous locations to catch the sunset. From the spacious kitchen to the private poolside retreat, this home offers wonderful spaces to gather, unwind, and enjoy Florida living. Schedule your showing today!

The essentials

Built
1988
Price / sqft
$303
On market
23 days
Annual tax
$4,844
Flood zone
X500, AE · Low risk
Lot
10,106 sqft
Type
Single Family Residence

At a glance

Single family
Built 1988
Private pool
Heated
2 car garage
Driveway
10,106 sqft lot
Lot size
2,228 sqft
Living area

Payment

Est. monthly payment
$4,261/mo
Down payment (20%)
$134,980
Property taxes
$404/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1988
Lot
10,106 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Pool
Heated, In Ground, Screen Enclosure, Solar Heat
Days on Market
23
Built-in Features
Ceiling Fans(s)
Crown Molding
Dry Bar
Eat-in Kitchen
Open Floorplan
Split Bedroom
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Wet Bar
Window Treatments
Lighting
Outdoor Grill
Sidewalk
Convection Oven
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Refrigerator
Washer
Wine Refrigerator
Elementary
Sunset Hills Elementary-PN
Middle
Tarpon Springs Middle-PN
High
Tarpon Springs High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X500, AE
Annual Tax (2025)
$4,844
Parcel #
14-27-15-28336-000-0140

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
Florida Oaks Second Add
County
Pinellas
MLS Area
34689 - Tarpon Springs
Lot Size
10,106 sqft
LandscapedNear MarinaSidewalk

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #TB8550396
$674,900-2.2%
$303/sqft
9/18/2026
Listed for sale
Source: Stellar MLS #TB8550396
$689,900
$310/sqft

Neighborhood

1040 Rosetree Ln
Tarpon Springs, FL, 34689 · 34689 - Tarpon Springs

Market insights

Offer Insights

Choose an offer strength

List price: $674,900
$665,000 – $674,900
98.4% – 100% of listTops out right at the list price
80% of listList price
92 of the last 183 home closings in 34689 landed at this number or higher (50%). The median one sat 30 days before it went under contract, and this one is on day 23 after a $15,000 cut.

Sample: 183 closed home sales in 34689 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,261/mo
Principal & interest$3,520
Property taxes$404
Insurance$337
Down payment20% · $134,980
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

$674,900

$303 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,228 sq ft

Time on market

23 days

Year built

1988

Monthly payment

About $4,261/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,844 annual tax bill, insurance.

Flood zone

Zone X500, AE

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

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Brokered byCHARLES RUTENBERG REALTY INCListing agent: Latricia StoddardListing data from Stellar MLS, MLS# TB8550396.

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