Front elevation1040 Rosetree Ln, Tarpon Springs, FL 34689
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 20, 2026, 1040 Rosetree Ln in Florida Oaks Second Add, Tarpon Springs is listed at $689,900 (2,228 sq ft, about $310 per sq ft). It came to market within the past week. Listing facts: built in 1988, a private pool, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1988 · 38 yrs
- 2,228 sq ft of living area
- 2-car garage
- New to market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1988BuiltPer public record
- Sep 20, 2026First trackedObserved at $689,900
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $3,653/mo 78%
- Taxes $604/mo 13%
- Insurance $365/mo 8%
- HOA $50/mo 1%
$4,672/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
48/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $310 per square foot, about in line with the community’s $310 median. Florida Oaks Second Add’s 12-month median sold price per square foot is $310. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
91% of homes in Florida Oaks Second Add are owner-occupied. An estimated 9% are non-owner-occupied, including 0% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 22 homes matched. Community-level context.
What’s unique here: one of only 3 active listings in Florida Oaks Second Add, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
YOUR PRIVATE FLORIDA OASIS AWAITS! PAID OFF SOLAR, PRIVATE POOL, NO HOA and NO FLOOD ZONE! Welcome to your own slice of Florida living!
This inviting 4 bedroom, 2 bath home in Tarpon Springs combines spacious interiors, thoughtful built-ins, and an impressive screened pool and outdoor entertaining area. Skylights throughout the home bring in natural light, complementing the vaulted ceilings and welcoming living spaces. In the heart of the home is the generously sized kitchen, featuring rich wood tone cabinetry, extensive counter space, stainless steel appliances, tall pantry cabinets, and an oversized island with 5 person seating.
Pendant lighting and skylights brighten the space, while the open connection to the main living area keeps everyone together when cooking or entertaining. A separate built-in beverage station with glass front cabinetry and wine refrigerator adds a special touch. Crown molding, recessed lighting, tile, and wood flooring, all bring warmth and character to the living spaces.
Dining room features a wall of windows overlooking the pool area, along with built-in shelving and cabinetry. The split-bedroom layout provides privacy between the primary suite and guest bedrooms. Primary suite includes a spacious bathroom with dual sinks, extensive vanity and linen cabinetry, and a walk-in shower featuring striking marble tile and newer fixtures.
The guest bathroom offers a double sink vanity and a tub/shower combo with a coordinating marble tile surround. Custom Murphy bed in the laundry room adds versatility for guests or a home office, and the two car garage with beautifully paved driveway, provides plenty of parking space and everyday convenience. Step outside and discover where this home truly shines!
Expansive screened enclosure around a sparkling pool, gorgeous pavers, and separate deck area with room for outdoor dining and comfortable lounge seating. A gazebo shelters an outdoor grilling station with counter space and cabinetry, making this backyard ideal for weekend cookouts and relaxed evenings at home. Mature palms, tropical landscaping, and privacy fencing create a secluded retreat, with plenty of sliding-door access connecting the indoor and outdoor spaces.
Energy-saving features add even more appeal! Solar panels installed in 2018 are COMPLETELY PAID OFF and owned outright, with no solar lease or loan to assume. Improvements include an HVAC system installed in 2023 with a UV light filter added in 2026, pool pump 2026, water heater 2026, pavers sealed and cleaned 2026, fence 2023, pool resurfacing 2022, solar pool heating added in 2020, and upgraded attic insulation 2017.
The separate pool heater has also been maintained annually. Enjoy the best that Tarpon Springs has to offer! Minutes from the Sponge Docks and Fred Howard Park, local shops, restaurants, and plenty of gorgeous locations to catch the sunset.
From the spacious kitchen to the private poolside retreat, this home offers wonderful spaces to gather, unwind, and enjoy Florida living. Schedule your showing today!
Description provided by CHARLES RUTENBERG REALTY INC and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $689,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1988 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- 3 active listings competing
For reference, this home is listed at $689,900 ($310/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,228 sq ft × $273–$347/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 20, 2026.
Similar homes for sale near FLORIDA OAKS SECOND ADD
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in FLORIDA OAKS SECOND ADD
- 1000 Rosetree Lane · $439,000 · 3 bd / 2.0 ba · listed September 16, 2026 (courtesy of CHARLES RUTENBERG REALTY INC)
- 1033 Rosetree Lane · $425,000 · 3 bd / 2.0 ba · listed September 6, 2026 (courtesy of SANDPEAK REALTY)
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by CHARLES RUTENBERG REALTY INC · MLS # TB8550396
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Recent sales activity in FLORIDA OAKS SECOND ADD
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the FLORIDA OAKS SECOND ADD neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on FLORIDA OAKS SECOND ADD
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 1040 Rosetree Ln, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 2,228 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $7,244/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 20, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 1040 Rosetree Ln and when was it built?
Per the listing record, 1040 Rosetree Ln was built in 1988 and has 2,228 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1040 Rosetree Ln in?
1040 Rosetree Ln is in Florida Oaks Second Add in Tarpon Springs, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Florida Oaks Second Add from the same MLS data.
Does 1040 Rosetree Ln have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 1040 Rosetree Ln differ from the current owner's?
The estimate on this page (about $7,244 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1040 Rosetree Ln in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
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No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.