646 RIVERSIDE DRIVE, Tarpon Springs, FL, 34689 | $525,000

One or more photo(s) has been virtually staged. PRICE REDUCED! Welcome to your waterfront oasis in Tarpon Springs, Florida, where everyday life feels like a vacation. Perfectly positioned on a peaceful canal with direct access to the Gulf of Mexico, this beautifully maintained 3-bedroom, 2. 5-bathroom home offers nearly 2, 300 square feet of living space on an oversized, wooded 1/3-acre lot. If you’ve been dreaming of tranquil water views, space to breathe, and the ultimate Florida lifestyle, this is the one.
Step inside to a light-filled, open interior designed for both comfort and functionality. Durable tile flooring runs throughout the home, making it ideal for easy coastal living. The heart of the home is a spacious kitchen featuring granite countertops, newer stainless steel appliances, a large center island with seating, and abundant wood cabinetry. A charming beamed ceiling adds warmth and character, while the tile backsplash brings a touch of coastal sophistication.
The home offers multiple living areas, including a formal living room and a flexible bonus space that can easily serve as a home office, media room, or den. Double doors lead to the generous primary suite, which includes a custom walk-in closet and an ensuite bath with granite counters, dual sinks, and a step-in shower.
One of the standout features of this home is its seamless connection to the outdoors. A large sliding glass door in the main living area opens to reveal your private waterfront retreat. Whether you're enjoying a morning coffee by the canal, launching a paddleboard from your backyard, or simply soaking in the serene views, this space is designed to embrace the peaceful beauty of the water.
Outside, the fenced yard offers privacy and plenty of room to relax, garden, or entertain. A wide paver driveway and walkway enhance the home’s curb appeal, while the lush landscaping blends naturally with the wooded surroundings.
Located just minutes from charming downtown Tarpon Springs, the famous Sponge Docks, and a variety of local festivals, dining, and entertainment options, you’ll never run out of things to explore. Fred Howard Park and Sunset Beach are just a short drive away, making it easy to enjoy white sand beaches and unforgettable Gulf sunsets whenever you please.
Whether you're boating, paddling, fishing, or simply enjoying the view, this is Florida waterfront living at its finest. Don’t miss your chance to own this slice of paradise—schedule your private showing today.

Features

  • Rooms: 4
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Lot Size: 90.0 x 180.0
  • Laundry: Inside, Laundry Room
  • Year Built: 1946
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,231
  • Acreage: 0.37
  • Lot Size: 90.0 x 180.0
  • Est. Taxes: $3,907
  • Lot Desc: City Lot
  • View: Water
  • High School: Tarpon Springs High-PN
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: W7872675
  • Days on Market: 287 days
  • Website: https://www.raveis.com
    /prop/W7872675/646riversidedrive_tarponsprings_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/4/2026 12:18:52 AM)
Listing courtesy of RE/MAX CHAMPIONS   Phone: 727-807-7887

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

646 RIVERSIDE DRIVE, Tarpon Springs, FL, 34689

$525,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $420,000 $420,000 $420,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.209% 6.292% 5.628%
Monthly Tax Payment $326 $326 $326
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,385 $2,552 $3,404
Total Monthly Payment $2,803 $2,970 $3,822

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.