1440 KEYSTONE RIDGE CIRCLE, Tarpon Springs, FL, 34688 | $1,179,000

Under contract-accepting backup offers. Imagine starting your mornings with coffee and a peaceful, unobstructed view of Lake Tarpon—the largest lake in Pinellas County, spanning over 7 miles long and renowned for world-class bass fishing, bird watching, and water sports. This gorgeous waterfront estate, situated in the exclusive gated community of Keystone Ridge, offers a premier lake lifestyle paired with sophisticated modern upgrades and smart technology, including CAT6 ethernet and a centralized tech panel. The open-concept downstairs is a culinary dream, featuring a Chef’s kitchen with sleek Quartz countertops, custom cabinetry, a 5-burner gas stovetop, and a double wall oven, all overlooking a soaring great room with 20-foot ceilings, an electric fireplace, and stylish wood-look tile flooring. Step through the great room to your brick-paved lanai and private waterfront oasis, where a Trex dock equipped with a 10, 000-pound boat lift, electricity, and fresh water makes getting out on the water effortless. The home is as practical as it is beautiful, offering four spacious bedrooms—including a primary suite with a massive shower—and a three-car tandem garage specifically designed for boat trailers. Perfectly located just steps from the Pinellas Trail and minutes from a charming downtown area, this Keystone Ridge gem is more than just a house; it is a true lifestyle destination. No flood insurance required- schedule your showing today!

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 70 x 87
  • Laundry: Inside, Laundry Room
  • Year Built: 2017
  • Garage: 3-car Covered, Driveway, Tandem
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,866
  • Acreage: 0.6
  • Lot Size: 70 x 87
  • Est. Taxes: $15,785
  • HOA Fee: $187 Monthly
  • Lot Desc: Landscaped, Oversized Lot
  • View: Trees/Woods, Water
  • Elem. School: Tarpon Springs Elementary-PN
  • Middle School: Tarpon Springs Middle-PN
  • High School: Tarpon Springs High-PN
  • Pet Policy: Number Limit, Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range Hood, Refrigerator, Tankless Water Heater, Washer
  • MLS#: TB8462377
  • Days on Market: 49 days
  • Website: https://www.raveis.com
    /eprop/TB8462377/1440keystoneridgecircle_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 3/9/2026 8:35:21 PM)

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NMLS Mortgage Loan Originator ID 130058

203.952.8600

Joseph.Mollica@raveis.com

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1440 KEYSTONE RIDGE CIRCLE, Tarpon Springs, FL, 34688

$1,179,000

Liz Eckert

Luxury Properties Specialist

William Raveis Real Estate

Phone: 203.451.4300

Liz.Eckert@raveis.com

Joseph Mollica

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.952.8600

Joseph.Mollica@raveis.com

NMLS Mortgage Loan Originator ID 130058

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $943,200 $943,200 $943,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.202% 6.121% 6.011%
Monthly Tax Payment $1,315 $1,315 $1,315
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,430 $5,655 $7,832
Total Monthly Payment $6,870 $7,095 $9,272

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.