David Ramirez
$269,0002 bd2.5 ba1,538 sqft$175 /sqft$2,867 /mo all-in ↓

3871 MARINER DRIVE, ST PETERSBURG, FL, 33705

Active130 days on marketListed Apr 1, 2026MLS #A4688401

Priced 8% below the ST PETERSBURG 33705 medianTownhouseCOQUINA KEY TWNHMS

About this home

3871 MARINER DRIVE

Welcome to Coquina Key Townhomes, a gated and beautifully maintained community in the heart of St. Petersburg. As you step through the front door, you’re immediately welcomed by an abundance of natural light and a thoughtfully designed layout that feels both open and inviting. The main level is designed for comfortable everyday living and effortless entertaining. The kitchen and dining area are perfectly positioned, flowing seamlessly into the spacious living room. From here, sliding glass doors lead out to a screened-in lanai overlooking the backyard—creating a bright, airy atmosphere and the perfect space to relax. The lanai also features a convenient storage closet for added functionality. The kitchen is equipped with brand-new appliances, ample cabinetry, and a layout that keeps everything within easy reach. Updated flooring on the main level adds a fresh, modern touch throughout. A half bath and laundry room are conveniently located on the first floor for added ease. Upstairs, you’ll find a well-designed split-bedroom layout, with the primary suite on one side and the guest bedroom with its own bathroom on the other—providing both privacy and convenience. The primary bathroom has been completely updated with a modern walk-in shower, sleek finishes, and a clean, spa-like design—creating a luxurious and relaxing retreat.. A versatile den provides the flexibility to be used as a home office, guest space, or easily converted into a third bedroom—complete with a Murphy bed for added convenience. Recent updates include a roof replaced approximately two years ago, brand-new kitchen appliances, updated main-level flooring, and a fully renovated primary bathroom—offering peace of mind and move-in ready comfort. Coquina Key Townhomes is a well-managed, gated, deed-restricted community ideally located on Coquina Key, just minutes from schools, medical facilities, restaurants, downtown St. Petersburg, museums, and the pier. Enjoy a short drive to some of the area’s most beautiful beaches, including Fort De Soto, Treasure Island, and St. Pete Beach. The community is pet-friendly and conveniently located near Coquina Key Park, offering a dog park, walking trails, water access, tennis and pickleball courts, basketball courts, and ballfields. Parking is assigned (#124), with additional permitted parking available for residents, along with ample guest parking throughout the community. Recent HOA improvements include newly paved and marked roads and parking areas (2025) and a new roof (2023). HOA fees cover a wide range of amenities and services, including a resort-style pool and hot tub, gated entrance with virtual security technology, pest control, water, sewer, trash, exterior maintenance, grounds maintenance, and building insurance, along with contributions to the reserve fund. This home offers the perfect blend of comfort, flexibility, and location—whether you’re looking for a primary residence, seasonal retreat, or investment opportunity.

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,538

Sqft

0.02 ac

Lot size

2004

Year built

Two

Levels

$175

Per sqft

NegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Open Floorplan · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesEast
ParkingAssigned · Guest
ExteriorLighting · Sidewalk · Sliding Doors · Storage

Community & fees

HOA fee$600/mo
Taxes (2025)$4,853/yr
PetsNumber Limit, Size Limit, Yes
CommunityCommunity Mailbox · Gated Community - Guard · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Phone Available · Public · Sewer Available · Sewer Connected · Street Lights · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$2,867 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,584
FHA mortgage insurance (est.)$119
Property tax — 2025 actual bill$404
HOA fee — from the listing$600
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,415Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,415
Interest rate6.00%
Loan term

Estimated payment

$2,867/mo

Principal & interest$1,584
FHA mortgage insurance (est.)$119
Property taxes (actual bill)$404
HOA / condo fee$600
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $269K
$216KedgeAI estimate $278,485 · range $225K$321K$334K

vs edgeAI estimate

−3.4%

$/sqft vs COQUINA KEY TWNHMS

$175 vs $175

Days on market

130 vs 55 typical

Where $175/sqft sits among the 6 homes for sale in COQUINA KEY TWNHMS

1
1
1
1 · this home
0
2
$120–134$134–148$148–162$162–176$176–190$190+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Coquina Key

Map of 3871 MARINER DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa34 min
Tampa Int’l Airport (TPA)34 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Petersburg. See the full St Petersburg guide →

Coquina Key — neighborhood snapshot

Population

4,069

Median age

46

Median income

$104,283

Median home value

$329,549

Avg household

2

Households w/ children

309

For the school run

Pinellas County School District

ElementaryLakewood Elementary School★★★★
HighLakewood High School★★★★★
MiddleBay Point Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$380K$402K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

5 of 6

COQUINA KEY TWNHMS have cut their price

Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 8% below the ST PETERSBURG 33705 median. See the full St Petersburg market guide →

Paper trail

This home's history

Apr 1, 2026Listed at $269,000 · 130 days on market since
2004Built · COQUINA KEY TWNHMS

Reality check

What actually sold near 3871 MARINER DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3866 MARINER DRIVESold · Aug ’25

$251,000

3866 MARINER DRIVE · same community

2 bd · 2.5 ba · 1,538 sqft · $163/sqft · 49 DOM

3855 ISLAND WAYSold · Jan ’26

$255,000

3855 ISLAND WAY · same community

2 bd · 2.5 ba · 1,538 sqft · $166/sqft · 24 DOM

3853 ISLAND WAYSold · Oct ’25

$235,000

3853 ISLAND WAY · same community

2 bd · 2.5 ba · 1,538 sqft · $153/sqft · 34 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3871 MARINER DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3871 MARINER DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

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Straight answers

3871 MARINER DRIVE FAQs

What would the monthly payment be for 3871 MARINER DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,867/mo — principal and interest, the actual property-tax bill, the $600/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 3871 MARINER DRIVE?+

The association fee works out to $600 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3871 MARINER DRIVE?+

The most recent tax bill on record (2025) was $4,853. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 3871 MARINER DRIVE?+

The listing reports pets: Number Limit, Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Petersburg?+

At $269,000, this home is listed about 37% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3871 MARINER DRIVE?+

Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the ST PETERSBURG 33705 market on paper

$269,000 is 8% below the ST PETERSBURG 33705 median of $292,000, and at $175/sqft it sits under the St Petersburg average of $382.

02Know the monthly fee

The association fee is $600/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

03Time on market is leverage

130 days on market against a St Petersburg median of 55 — sellers in this position are usually ready to negotiate.

Listing courtesy of CALL IT CLOSED INTL REALTY · Sasha Volosevych. MLS #A4688401.

IDX 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 accurate by Stellar MLS.

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