4565 DUHME ROAD UNIT 101, ST PETERSBURG, FL, 33708
Active165 days on marketListed Feb 24, 2026MLS #TB8480065
About this home
4565 DUHME ROAD UNIT 101
Move-in ready 1-bedroom, 1-bath FIRST-FLOOR condo in a desirable 55+ Florida community offering affordable, low-maintenance living near beaches, shopping, and entertainment! This professionally remediated condo features brand-new kitchen cabinets, modern countertops, stainless steel appliances, new hot water heater, new exterior door, and newer A/C (2023). Bright and open floor plan with abundant natural light and beautiful canal views filled with Florida wildlife right from your private patio. Enjoy peaceful waterfront living with the convenience of first-floor access — no stairs! This updated condo includes an assigned covered carport with private storage, perfect for beach chairs, bikes, tools, and seasonal items. LOW HOA includes: Cable & internet Water, sewer & trash Exterior maintenance Lawn & grounds care Community amenities include on-site laundry facilities and a highly convenient location within walking distance to Publix, restaurants, shopping, Dollar Tree, and entertainment. Perfect for: Snowbirds Retirees Seasonal residents Investors seeking rental potential Affordable Florida living Rare opportunity to own a renovated waterfront condo in a quiet, active adult community near everything Florida has to offer.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
780
Sqft
0.88 ac
Lot size
1967
Year built
One
Levels
$127
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 and the real association fee — not generic estimates.
$1,381 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,381/mo
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.
vs edgeAI estimate
−17%
$/sqft vs St Petersburg actives
$127 vs $325
Days on market
165 vs 55 typical
Where $127/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 St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33708 — neighborhood snapshot
Population
15,306
Median age
61.1
Median income
$83,773
Median home value
$463,700
Avg household
1.9
Households w/ children
600
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 → $410K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
219 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 78% below the ST PETERSBURG 33708 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4565 DUHME ROAD UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$60,000
4565 DUHME ROAD UNIT 103 · same community
1 bd · 1 ba · 780 sqft · $77/sqft · 7 DOM
Sold · Apr ’26$419,300
13999 GULF BOULEVARD UNIT 201
2 bd · 2 ba · 822 sqft · $510/sqft · 29 DOM
Sold · Apr ’26$380,000
14001 GULF BOULEVARD UNIT 304
1 bd · 1.5 ba · 840 sqft · $452/sqft · 131 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 4565 DUHME ROAD UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4565 DUHME ROAD UNIT 101 — 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
4565 DUHME ROAD UNIT 101 FAQs
What would the monthly payment be for 4565 DUHME ROAD UNIT 101?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,381/mo — principal and interest, the actual property-tax bill, the $576/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 4565 DUHME ROAD UNIT 101?+
The association fee works out to $576 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4565 DUHME ROAD UNIT 101?+
The most recent tax bill on record (2025) was $221. 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 4565 DUHME ROAD UNIT 101?+
The listing reports pets: No. 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 $99,000, this home is listed about 77% 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 4565 DUHME ROAD UNIT 101?+
Orange Grove Elementary School (elementary), Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the ST PETERSBURG 33708 market on paper
$99,000 is 78% below the ST PETERSBURG 33708 median of $450,000, and at $127/sqft it sits under the St Petersburg average of $382.
02Know the monthly fee
The association fee is $576/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
165 days on market against a St Petersburg median of 55 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Orange Grove Elementary School, Osceola Middle School, Richard O Jacobson Technical High School At Seminole — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $140,000, now $99,000 — a $41K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Brenda Vendelboe. MLS #TB8480065.
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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