4592 40TH STREET S, ST PETERSBURG, FL, 33711
Active271 days on marketListed Nov 13, 2025MLS #TB8446534
About this home
4592 40TH STREET S
NEVER FLOODED, OPEN-FLOORPLAN, THREE BEDROOMS, TWO BATHROOMS, IN-GROUND POOL and SPA, WATERFRONT. The previous buyer got "Cold Feet", which means they won't be enjoying this IN-GROUND POOL over the summer...but you can! This is the BEST-priced WATERFRONT POOL home in the Broadwater neighborhood! This home features THREE bedrooms, TWO bathrooms, a LARGE primary suite with WALK-IN CLOSET, and an OPEN-FLOORPLAN. The massive kitchen features stainless steel appliances, DOUBLE-OVENS, GAS RANGE, Wine-Fridge, GRANITE COUNTERTOPS, and a HUGE ISLAND perfect for entertaining. The INTERIOR LAUNDRY ROOM provides additional storage. This home offers a more PRIVATE and intimate waterfront setting, ideal for those who value seclusion and a backyard that truly feels like a retreat. Relax and entertain in your HEATED POOL and SPA with no neighboring homes looking directly into your space, creating an outdoor environment that feels more like a personal oasis than a typical waterfront property. While the waterfront footprint is more private, you still enjoy a private dock and davits that has accommodated up to a 26-ft boat with direct water access, giving you the best of both worlds: waterfront living with the added benefit of seclusion. Additional exterior features include dedicated space with ROOM TO PARK AN RV or boat parking (as as some have pointed out, a basketball court!), an increasingly rare and highly desirable convenience. With a base flood elevation of approximately 11 feet, this home has NEVER FLOODED, providing a level of peace of mind that is both valuable and increasingly difficult to find in today’s market. For those seeking a seamless transition, the home can also be offered fully FURNISHED, creating a true turnkey opportunity. Major Updates Include: Roof - 2018, HVAC - 2018, Pool - 2019, Flat roof 2026, Dock and Davits for up to 26ft boat- 2020. Priced significantly below pre-market appraisal, this property represents a rare opportunity to secure a private, move-in-ready waterfront home in one of St. Petersburg’s most desirable communities with INSTANT EQUITY!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,124
Sqft
0.26 ac
Lot size
2
Garage
1973
Year built
One
Levels
$494
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$7,328 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,328/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
vs edgeAI estimate
−1.2%
$/sqft vs St Petersburg actives
$494 vs $327
Days on market
271 vs 57 typical
Where $494/sqft sits among the 400 St Petersburg actives
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 Broadwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Broadwater — neighborhood snapshot
Population
1,173
Median age
60
Median income
$81,118
Median home value
$565,300
Avg household
2
Households w/ children
40%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
224 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 236% above the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4592 40TH STREET S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$985,000
4328 40TH STREET S · same community
4 bd · 2 ba · 2,338 sqft · $421/sqft · 180 DOM
Sold · May ’26$460,000
2670 PINELLAS POINT DRIVE S
3 bd · 2 ba · 2,184 sqft · $211/sqft · 217 DOM
Sold · Mar ’26$771,150
2901 67TH AVENUE S
3 bd · 2.5 ba · 2,206 sqft · $350/sqft · 45 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4592 40TH STREET S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4592 40TH STREET S — 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.
Straight answers
4592 40TH STREET S FAQs
What would the monthly payment be for 4592 40TH STREET S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,328/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4592 40TH STREET S?+
The most recent tax bill on record (2025) was $13,367. 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 4592 40TH STREET S?+
The listing reports pets: 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 $1,049,000, this home is listed about 141% above the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4592 40TH STREET S?+
Gulfport Montessori Elementary School (elementary), Bay Point Middle School (middle), Lakewood High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,049,000 runs 236% above the ST PETERSBURG 33711 median — but at 2,124 sqft it's also 57% larger than the typical St Petersburg listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
271 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,350,000, now $1,049,000 — a $301K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAINFRAME REAL ESTATE · Bobby Poth, III. MLS #TB8446534.
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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