632 CROSS STREET, Tarpon Springs, FL, 34689 | $468,200

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!

Features

  • Rooms: 8
  • Bedrooms: 3
  • Baths: 1 full
  • Lot Size: 52 x 100
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Bungalow
  • Year Built: 1935
  • Garage: Covered, Driveway, On Street, Oversized, Parking Pad
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,138
  • Acreage: 0.13
  • Lot Size: 52 x 100
  • Est. Taxes: $595
  • Lot Desc: Cleared, FloodZone, Historic District, City Lot, In County, Near Public Transit, Sidewalk
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Dryer, Exhaust Fan, Gas Water Heater, Range, Refrigerator, Tankless Water Heater, Washer
  • MLS#: TB8438161
  • Days on Market: 124 days
  • Website: https://www.raveis.com
    /prop/TB8438161/632crossstreet_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 6/4/2026 9:36:28 AM)
Listing courtesy of DENNIS REALTY & INV. CORP.   Phone: 813-949-7444

William Raveis Family of Services

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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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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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
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

632 CROSS STREET, Tarpon Springs, FL, 34689

$468,200

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 $374,560 $374,560 $374,560
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.628% 5.866%
Monthly Tax Payment $50 $50 $50
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,243 $2,365 $3,085
Total Monthly Payment $2,368 $2,490 $3,210

* 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.