David Ramirez
$4,455,000$4,995,0005 bd5 ba4,334 sqft$1,028 /sqft$27,129 /mo all-in ↓

838 MONTEREY BOULEVARD NE, ST PETERSBURG, FL, 33704

Active254 days on marketListed Nov 30, 2025MLS #TB8452164

Reduced $540KWaterfrontSingle Family ResidenceSNELL ISLE SHORES

About this home

838 MONTEREY BOULEVARD NE

Designed by renowned Architect William Harvard Jr and built in 2005, this waterfront modern marvel boasts a beautiful layout and a wonderful view in a highly desirable location of Snell Isle. This home was built like a bunker. The home sits above the flood plane, and the exterior walls are concrete block with filled cells, and with structural steel studs. Interior walls are also concrete block with prestressed concrete planks for ceiling and roof support. The floor construction is concrete under the beautiful hardwoods. The home also features a new roof in summer of 2024, hurricane windows and doors throughout, and a whole house generator so you don't lose power in any storm. Beyond the best construction, this is an artist's home, where natural light fills the spacious rooms, and provides grand wall space with 10' ceilings on the first floor. Enter through the custom metal front doors into a two story foyer. To the left is a beautiful formal living room and large hall closet that could be turned into a butler's pantry or wet bar. The large first floor den also features a full bath, and could be used as a downstairs primary or guest room. For the ultimate entertainer, the formal dining room connects to the chef's kitchen, featuring a professional 6 burner Thermador range and large eat-at island with custom red quartz. The cozy family room features a gas fireplace and inlaid wood floors. Every living space features french doors that open to the Spanish tiled porch that spans the width of the home, the ideal place to enjoy the morning air or evening beauty of Coffee Pot Bayou. When it is time to retire for the night, take the elevator to the second floor, featuring 8' ceilings, wood and carpet floors. Three bedrooms upstairs all feature en-suite bathrooms with cast iron tubs, custom vanities and countertops, and waterfront views. Down the hall is a large laundry room with great storage. The master suite features a large walk-in closet and large bathroom with shower, garden tub, toilet room, dressing area, and custom double vanity. All bedrooms on the second floor have doors to two covered porches, where you can enjoy a morning coffee overlooking your private yard and updated dock on the bayou. The dock was rebuilt in 2024. A massive three car garage has high ceilings and bonus storage areas, and can accommodate a car lover's lifts for multiple vehicles and toys. Just minutes to downtown St Petersburg, this beautiful Snell Isle home was built to last, and its modern design make it timeless. Make your private showing appointment today!

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

4,334

Sqft

0.28 ac

Lot size

3

Garage

2005

Year built

Two

Levels

$1,028

Per sqft

WaterfrontFireplaceNegotiable

Inside

FlooringCarpet · Tile · Hardwood
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Exhaust Fan · Gas Water Heater · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Washer
InteriorElevator · High Ceilings · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofBuilt-Up · Concrete
ConstructionBlock · Concrete
FoundationSlab
FacesNorthwest
ExteriorBalcony · Irrigation System · Lighting

Community & fees

Taxes (2023)$15,113/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Natural Gas Connected · Phone Available
WaterPublic

The numbers

What it really costs

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

$27,129 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$24,039
PMI (est., until 20% equity)$1,671
Property tax — 2023 actual bill$1,259
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $445,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $445,500
Interest rate6.00%
Loan term

Estimated payment

$27,129/mo

Principal & interest$24,039
PMI (est., until 20% equity)$1,671
Property taxes (actual bill)$1,259
Est. insurance$160

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.

$/sqft vs St Petersburg actives

$1,028 vs $329

Days on market

254 vs 57 typical

Where $1,028/sqft sits among the 400 St Petersburg actives

151
138
49
29
9
24 · this home
$134–283$283–432$432–581$581–730$730–879$879+

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 Snell Isle

Map of 838 MONTEREY BOULEVARD NE inside its neighborhood boundary

Drive times from this address

Downtown Tampa28 min
Tampa Int’l Airport (TPA)29 min

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

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

Snell Isle — neighborhood snapshot

Population

2,492

Median age

52

Median income

$145,599

Median home value

$1,428,504

Avg household

2

Households w/ children

239

For the school run

Pinellas County School District

ElementaryNorth Shore Elementary School★★★★★
HighSt. Petersburg High School★★★★★
MiddleJohn Hopkins Middle School★★★★★

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

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s 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 458% above the ST PETERSBURG 33704 median. See the full St Petersburg market guide →

Paper trail

This home's history

CurrentPrice reduced to $4,455,000 $540K
Nov 30, 2025Listed at $4,995,000 · 254 days on market since
2005Built · SNELL ISLE SHORES

Reality check

What actually sold near 838 MONTEREY BOULEVARD NE

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

1210 MONTEREY BOULEVARD NESold · Mar ’26

$4,850,000

1210 MONTEREY BOULEVARD NE · same community

5 bd · 5 ba · 4,560 sqft · $1,064/sqft · 163 DOM

125 ALMEDO WAY WAY NESold · May ’26

$2,750,000

125 ALMEDO WAY WAY NE · same community

3 bd · 3.5 ba · 3,212 sqft · $856/sqft · 17 DOM

1118 MONTEREY BOULEVARD NESold · Oct ’25

$2,130,000

1118 MONTEREY BOULEVARD NE · same community

4 bd · 2 ba · 2,636 sqft · $808/sqft · 0 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 838 MONTEREY BOULEVARD NE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 838 MONTEREY BOULEVARD NE — 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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

By checking this box, I agree that CENTURY 21 Edge and my agent may send me marketing and promotional text messages — including new listings, market updates, open houses and home value reports — at the phone number I provide, including by automated means. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

838 MONTEREY BOULEVARD NE FAQs

What would the monthly payment be for 838 MONTEREY BOULEVARD NE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $27,129/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 838 MONTEREY BOULEVARD NE?+

The most recent tax bill on record (2023) was $15,113. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

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

At $4,455,000, this home is listed about 924% 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 838 MONTEREY BOULEVARD NE?+

North Shore Elementary School (elementary), St. Petersburg High School (high), John Hopkins Middle School (middle) — 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

$4,455,000 runs 458% above the ST PETERSBURG 33704 median — but at 4,334 sqft it's also nearly 3 times the size of 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

254 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 $4,995,000, now $4,455,000 — a $540K cut. The full history is in the market section below.

Listing courtesy of SOUTHERN ROOTS REALTY, LLC · Billy Harvard, IV. MLS #TB8452164.

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.

Never miss a listing

New St Petersburg homes, in your inbox

Like 838 MONTEREY BOULEVARD NE but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 11, 2026 at 11:01 AM UTC. The listing information on this page last changed on August 11, 2026 at 11:01 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 11, 2026 at 11:01 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 11, 2026 at 11:01 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.