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3187 STERLING STREET, Tarpon Springs, FL, 34688

4beds
3baths
2,619sqft
$699,000
$267price/sqft
$5,232/moest. monthly cost
$209,280/yrincome needed

About This Home

Virtually Staged. Welcome to 3187 Sterling Street, a beautifully maintained four-bedroom, three-bath residence in the sought-after gated community of Crescent Oaks in Tarpon Springs. With a low HOA, golf and tennis amenities, an active social calendar, and a private conservation setting, this home offers the Florida lifestyle buyers have been searching for. A grand foyer welcomes you inside, opening to formal living and dining spaces that are perfect for entertaining. The home features a neutral color palette and a desirable U-shaped floor plan designed around the outdoor living area. Four sliding glass doors create a seamless indoor-outdoor connection, allowing refreshing breezes and natural light to flow throughout the home during Florida’s beautiful fall, winter, and spring seasons. The backyard is a private oasis with no rear neighbors, peaceful conservation views, a spa, outdoor kitchen, screened lanai, refreshed pavers, and a convenient pool bath. Enjoy the beauty of nature from home, with deer and wild turkey often seen in the conservation area behind the property. The oversized family room is filled with natural light from large windows, while the breakfast nook offers breathtaking views of the private backyard and conservation. The open-concept kitchen provides ample space for gathering, cooking, and entertaining, featuring stainless steel appliances and modern silver cabinet hardware for a clean, updated look. The split-bedroom floor plan provides comfort and flexibility. Two guest bedrooms and a spacious bathroom with double vanities are located in the right wing of the home. On the opposite side, the large primary suite offers a relaxing retreat with a garden tub, walk-in shower, private water closet, and generous walk-in closet. The fourth bedroom is oversized and can easily serve as a home office, den, playroom, fitness room, or additional bedroom. An oversized laundry room and three-car garage offer excellent storage for multiple vehicles, recreational items, and a golf cart. This home has been thoughtfully maintained with several important updates already completed. Major improvements include a 2013 Spanish tile roof, 2024 A/C and heat pump, 2024 exterior paint, and well water irrigation. Additional updates include new lanai screens and Spanish tile roof pressure washing in 2025, along with new flooring in all bedrooms and closets, a new washer, and professionally power-washed lanai pavers in 2026. Crescent Oaks is a warm, dog-friendly golf and tennis community known for its active neighborhood lifestyle. Residents enjoy community events and traditions throughout the year, including holiday golf cart parades, trivia nights, bunco, ice cream socials, vendor markets, pickleball, Easter and Valentine’s Day celebrations, Mother’s Day and Father’s Day gatherings, and Santa’s firetruck visit. If you are looking for a private, well-maintained home in a vibrant Florida lifestyle community, 3187 Sterling Street is ready to welcome you home.

Getting Around

12
WalkingCar-Dependent
0
TransitNo Nearby Transit
29
BikeSomewhat Bikeable

Schools

9/10
6/10
7/10
East Lake High SchoolGrades PK,9-122.5 mi

Construction

Condition

  • Year built: 1992

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 150.12
  • Dimensions: 13.9x10.8

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 141.9
  • Dimensions: 11x12.9

Bedroom4

  • Features: Built-in Closet
  • Level: First
  • Area: 129.408
  • Dimensions: 10.11x12.8

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Area: 241
  • Dimensions: 24.1x10

Family Room

  • Level: First
  • Area: 241.281
  • Dimensions: 17.1x14.11

Features

  • Ceiling Fan(s),Crown Molding,Eating Space In Kitchen,High Ceilings,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Solid Wood Cabinets,Split Bedroom,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Window Treatments
  • Flooring: Laminate,Tile,Hardwood
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,619
  • Total interior livable area: 2,619 sqft

Kitchen

  • Level: First
  • Area: 217.46
  • Dimensions: 16.6x13.1

Living Room

  • Level: First
  • Area: 369.6
  • Dimensions: 23.1x16

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 277.2
  • Dimensions: 12.6x22

Property

Details

  • Parcel number: 032716189090020490
  • Zoning: RPD-0.5
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Irrigation System,Lighting,Rain Gutters,Sidewalk
  • Has spa: Yes
  • Spa features: Heated,In Ground

Lot

  • Lot size: 1.13 Acres
  • Lot size dimensions: 121 x 158

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Cold Wave
Inland Flooding
Lightning
Tornado
Wildfire
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,534$42,408
Home Insurance *$542$6,504
Property Taxes $893$10,716
Electricity $263$3,162
Total$5,232$62,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$179,382/yr
40% on housing$156,960/yr
45% on housing$139,520/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 34688$302
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 34688$273
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-14Price change$674,900
2026-07-10Listed for sale$699,000
1992-11-01Sold$205,100

For Sale by Agent

AgentLinda Caruso
BrokerageKELLER WILLIAMS REALTY- PALM HARBOR

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