12 MARINER DRIVE, Tarpon Springs, FL, 34689 | $650,000

One or more photo(s) has been virtually staged. Welcome to refined waterfront living in this exceptional three-bedroom, three-bath townhome-style residence that lives like a single-family home, located in the coveted Mariner Village waterfront community. Offering the privacy and spaciousness of a standalone home with the convenience of maintenance-free living, this residence includes exterior maintenance, grounds care, and access to all community amenities, with cable TV, internet, water, sewer, and trash all included.

Thoughtfully designed across three levels, the home offers a seamless blend of elegance, comfort, and resort-style living. The main living level showcases an open-concept layout ideal for sophisticated entertaining. The chef’s kitchen is appointed with custom wood soft-close cabinetry, stainless steel appliances, an expansive breakfast bar, and a built-in wine refrigerator. Flowing effortlessly into the living area, you’ll find a corner wood-burning fireplace and walls of glass that open to a private screened lanai, creating an inviting indoor-outdoor ambiance.

A beautifully appointed flex space on this level—ideal as a guest suite, executive home office, or library—features pocket sliding doors, custom built-ins, additional storage, and a private en suite bath with walk-in shower, along with direct lanai access.

The third floor offers a tranquil retreat. A guest bedroom with water views, generous closet space, and a private bath provides comfort and privacy. The primary suite is a true sanctuary, featuring its own screened balcony, a versatile sitting or office alcove, an expansive walk-in closet, and a spa-inspired en suite bath with an oversized walk-in shower, dual vanities, abundant storage, and a private water closet.

The first-floor living space enhances the home’s versatility with an open layout highlighted by a stacked-stone wood-burning fireplace and an elegant wet bar complete with sink, mini refrigerator, and custom cabinetry—ideal for hosting or relaxing. Sliding glass doors lead to an extended brick-paver patio, perfect for alfresco dining and outdoor lounging. This level also includes a dedicated laundry room and a bonus studio or storage space.

Additional features include a two-car garage with ample storage, engineered hardwood flooring throughout the upper levels, and beautiful tile flooring on the first floor.

Residents of Mariner Village enjoy exclusive access to two clubhouses, resort-style pools, walking trails, tennis courts, and convenient kayak launches, with one located just steps from the residence. Impeccably maintained and truly turn-key, this home offers the ease of maintenance-free living without sacrificing space, privacy, or luxury—an exceptional waterfront lifestyle.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Laundry Room
  • Year Built: 1979
  • Garage: 2-car Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,980
  • Est. Taxes: $5,128
  • Condo Fee: $4,766 Quarterly
  • View: Water
  • Elem. School: Sunset Hills Elementary-PN
  • Middle School: Tarpon Springs Middle-PN
  • High School: Tarpon Springs High-PN
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
  • MLS#: TB8465438
  • Days on Market: 28 days
  • Website: https://www.raveis.com
    /prop/TB8465438/12marinerdrive_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 2/21/2026 12:17:08 PM)
Listing courtesy of Keller Williams Realty- Palm H   Phone: 727-772-0772

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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

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12 MARINER DRIVE, Tarpon Springs, FL, 34689

$650,000

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 $520,000 $520,000 $520,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.197% 6.132% 5.541%
Monthly Tax Payment $427 $427 $427
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,953 $3,114 $4,180
Total Monthly Payment $3,472 $3,633 $4,699

* 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.