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3817 Nicholas Cir, Tarpon Springs, FL, 34688

$238/sqft·Whispering Lakes

4 bd3 ba2,668 sqft2 car garageSingle Family
Listed by BEYCOME OF FLORIDA LLC· Last updated · MLS# O6410747

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$4,017/mo
Down payment (20%)
$126,800
Property taxes
$294/mo
HOA
$99/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1987
Waterfront
Lake Front
Private pool
Deck
2 car garage
1.17 acres
Lot size

About this home

Eat-in KitchenHigh CeilingsLiving Room/Dining Room ComboPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsThermostatVaulted Ceiling(s)

3817 Nicholas Cir is a 1987-built home in Whispering Lakes, Tarpon Springs. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,668 square feet of living space. Listed at $634,000 (about $238/sqft), 91 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $99 monthly.

From the listing

WOW, THIS PROPERTY HAS IT ALL!! Privately situated on a cul de sac in one of the most sought after neighborhoods in Pinellas County, Whispering Lakes, this house has all the key features for you...LOCATION, SIZE, VALUE, and of course, PRICE. This 4 bedroom, 3 bath, 2 car garage property has 2186 square feet of living space PLUS another 482 square foot enclosed and vented patio/porch, PLUS it sits on a 1.17 acre lot that is fenced in, and backs up to an enormous private community lake...What a spectacular lake front view! Fish or just sit and enjoy the serenity on your private step down wood deck, or lounge around the screened-in pool. The whole lot is professionally landscaped with a sprinkler system that draws from the lake, hence no big water bills. It even has a fruit bearing Avocado tree. A new roof was installed in 2017, and has an 'inside and out, no leak, transferable' guarantee. A new Rheem 4 ton dual stage high efficient full HVAC system was installed less than a year ago in August, 2025. On top of that, and to make sure the air quality in the home is the best possible, ALL new DUCT WORK in the ENTIRE HOUSE, with 19 separate drops/vents was installed last September, 2025. Breath easy...no mold! In September, 2024, a Triple Track, double pane, water proof slider was installed between the enclosed patio, and the pool. The kitchen has a separate eating area, granite counter tops, and comes complete with a new french door refrigerator, new flat top stove/oven, dishwasher, and a new, over the stove microwave. The inside laundry room includes a newer washer and dryer. There are ceiling fans in every room, and the house is totally tiled for easy maintenance. The family room features a working electric fire place that can also be used as a wood burning fireplace. This property in Whispering Lakes, is located in unincorporated Pinellas County, and is NOT in a flood zone or evacuation zone. All the schools in this area are A-rated. The Whispering Lakes community has its own park with a covered picnic area, basketball hoops, and even 2 pickelball courts. The HOA fee is only $99, and covers all common ground areas, the park, street lighting, AND 2 times a week trash pickup. There is also a recycling pickup once a week. Remember LOCATION, SIZE, VALUE, and PRICE...This OUTSTANDING property HAS IT ALL!!

The essentials

Built
1987
Price / sqft
$238
On market
109 days
Annual tax
$3,526
HOA
$99/mo
Flood zone
X · Low risk
Lot
50,787 sqft
Type
Single Family Residence

Location

3817 Nicholas Cir
Tarpon Springs, FL, 34688·34688 - Tarpon Springs
Type
Single Family Residence
Year Built
1987
Lot
50,787 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Deck, Gunite, In Ground, Screen Enclosure
Waterfront
Lake Front
Days on Market
109
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Garden
Outdoor Kitchen
Private Mailbox
Rain Gutters
Shade Shutter(s)
Sidewalk
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Ice Maker
Indoor Grill
Microwave
Range
Refrigerator
Washer
Water Softener

Elementary

Brooker Creek Elementary-PN

Middle

Tarpon Springs Middle-PN

High

East Lake High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X

Annual Tax (2025)

$3,526

Parcel #

13-27-16-97015-000-0560

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Whispering Lakes

County

Pinellas

MLS Area

34688 - Tarpon Springs

Lot Size

50,787 sqft

HOA
$99/mo
Resource Property Management
Date
Event
Price
5/25/2026
Listed for sale
Source: Stellar MLS #O6410747
$634,000+337.2%
$238/sqft
2/1/1998
Sold
Source: Pinellas County Public Record
$145,000
$54/sqft
Est. monthly payment$4,016/mo
Principal & interest$3,307
Property taxes$294
Insurance$317
HOA$99
Down payment20% · $126,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $634,000
$620,000 – $634,000
98.1% – 100% of listTops out right at the list price
80% of listList price
17 of the last 33 home closings in 34688 landed at this number or higher (52%). The median one sat 54 days before it went under contract, and this one is on day 109.

Sample: 33 closed home sales in 34688 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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