Fergusons Estates is a small waterfront subdivision off Bayshore Drive in Tarpon Springs, Pinellas County, set along the Anclote River with access toward the Gulf of Mexico. Local subdivision guides describe it as a low-density street of single-family homes, many on the water with private docks and seawalls (Lipply Real Estate and local subdivision guides, 2026).
The housing stock spans mid-century homes through renovated and rebuilt waterfront properties, with the larger riverfront homes offering several bedrooms and pools. The common thread is the water: the value here is the frontage, the dock, the boating access, and the elevation, not a uniform builder product.
Because this is a waterfront enclave near the coast, the flood zone, the elevation, and the insurance picture matter more than almost anything else. Tarpon Springs took significant surge flooding in the 2024 hurricane season, which makes the FEMA 50 percent substantial-damage rule and elevation a live issue for older, lower homes here.
The pitch is direct Gulf-access waterfront living close to historic Tarpon Springs and the sponge docks, with US 19 a short drive away. The work is sorting elevation and flood exposure, confirming the seawall and dock condition, and reading the insurance and FEMA-rule math before you fall for the water view.
