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WATERFRONT BOATER’S PARADISE IN TARPON SPRINGS! A rare opportunity to experience true waterfront living in the exclusive enclave of Anclote Isles. Perfectly positioned on a private stretch of canal, this residence delivers a dream come true for serious boaters: a private dock with a 12, 000 lb Hi-Tide boat lift, deep water flow through canal, no bridges, and direct Gulf access. The yard is fully fenced in and the lush tropical vegetation across the canal eliminates the direct sightlines typical of canal-front homes, creating a level of privacy that is nearly impossible to find.
Built with quality construction by Pioneer Homes, this meticulously maintained residence is designed for those who appreciate refined outdoor living. The outdoor experience is nothing short of spectacular, enhanced by more than $100, 000 in upgrades. A sparkling heated pool with travertine decking anchors the space, complemented by a magnificent outdoor kitchen featuring a large natural gas grill and refrigerator. A striking two-way fireplace adds warmth and ambiance, creating the perfect setting for entertaining or quiet waterfront evenings with private sunset views. Dolphins – and even manatees – regularly glide by, adding yet another layer of magic to this one-of-a-kind waterfront retreat.
Inside, the home offers 3 bedrooms, 3 full bathrooms, and a 2-car garage, with soaring ceilings, quality craftsmanship, and undeniable pride of ownership throughout. The living spaces are both inviting and refined, highlighted by beautiful plantation shutters and a seamless connection to the outdoor areas.
No expense has been spared, with over $100, 000 in additional major mechanical upgrades completed within the past few years, delivering both luxury and peace of mind. These include a new tile roof with double underlayment (2024), a top-of-the-line HVAC system (2026), a tankless water heater (2025), and fresh interior and exterior paint (2025). Most windows were replaced in 2022 with hurricane-impact glass, while remaining openings are protected by storm shutters, along with a hurricane-impact garage door.
Located in Flood Zone X, flood insurance is not required on this property, but the owner maintains a voluntary flood policy that may be transferred with an annual premium of only $1, 084. The home has not experienced any water intrusion in past storms or hurricanes – an increasingly valuable advantage for waterfront properties.
Centrally located, but tucked away in a tranquil island community with only 19 homes, this property is within minutes from the Pinellas Trail, the world-famous Tarpon Springs Sponge Docks, Fred Howard Park, and Sunset Beach, offering the perfect balance of privacy and convenience.
Ready to make this dream yours? Your next chapter starts here – and it’s going to be spectacular!
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NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $920,000 | $920,000 | $920,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.350% | 6.259% | 6.183% |
| Monthly Tax Payment | $539 | $539 | $539 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,516 | $5,590 | $7,763 |
| Total Monthly Payment | $6,180 | $6,254 | $8,427 |
* 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.