6490 CAPE HATTERAS WAY NE UNIT 2, ST PETERSBURG, FL, 33702
Active156 days on marketListed Mar 11, 2026MLS #TB8485277
About this home
6490 CAPE HATTERAS WAY NE UNIT 2
INCREDIBLE OPPORTUNITY in the highly desirable Mariners Pass community of Northeast St. Petersburg! This beautifully renovated residence offers the perfect blend of modern upgrades and effortless coastal living just moments from the water. Inside, the home has been totally remodeled from head to toe with fresh paint, updated plumbing and electrical, along with luxury tile flooring, elegant tray ceilings, and PGT impact-rated windows providing abundant natural light and peace of mind. The stylish kitchen features quartz countertops, stainless steel Frigidaire appliances, and modern finishes, while the spacious layout includes a ground-floor bedroom, ideal for guests or flexible living. Upstairs you'll find three additional bedrooms with new LVP flooring and a beautifully updated bathroom featuring new tile, tub, and washlet. Enjoy Florida living year-round from the private screened porch, and take advantage of the dedicated laundry room. Furnishings are available, making this a potential turnkey opportunity. What truly sets this property apart is the extraordinary HOA value, covering water, sewer, trash, exterior maintenance, grounds maintenance, pest control, reserves, master flood insurance policy, high-speed internet, cable TV, boat slip access, dock maintenance, and two community pools — delivering a rare low-maintenance boating lifestyle. Ideally located just minutes from downtown St. Petersburg, waterfront parks, marinas, dining, and shopping, this is a rare opportunity to enjoy maintenance-free living with boating access in one of Northeast St. Pete’s most sought-after communities. Call today for your private showing!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,610
Sqft
4.86 ac
Lot size
1
Garage
1974
Year built
Two
Levels
$217
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.
$4,050 /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
$4,050/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.
$/sqft vs St Petersburg actives
$217 vs $340
Days on market
156 vs 58 typical
Where $217/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 Mariners Pass
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Mariners Pass — neighborhood snapshot
Population
853
Median age
47
Median income
$148,984
Median home value
$793,200
Avg household
2
Households w/ children
112
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)
227 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 38% above the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 6490 CAPE HATTERAS WAY NE UNIT 2
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$200,000
6397 CAPE HATTERAS WAY NE UNIT 3 · same community
4 bd · 2.5 ba · 1,610 sqft · $124/sqft · 17 DOM
Sold · Sep ’25$250,000
6497 CAPE HATTERAS WAY NE UNIT 3 · same community
3 bd · 2.5 ba · 1,582 sqft · $158/sqft · 113 DOM
Sold · Jul ’26$300,000
6747 CAPE HATTERAS WAY NE UNIT 3 · same community
3 bd · 3 ba · 1,680 sqft · $179/sqft · 84 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 6490 CAPE HATTERAS WAY NE UNIT 2 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6490 CAPE HATTERAS WAY NE UNIT 2 — 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
6490 CAPE HATTERAS WAY NE UNIT 2 FAQs
What would the monthly payment be for 6490 CAPE HATTERAS WAY NE UNIT 2?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,050/mo — principal and interest, the actual property-tax bill, the $1,442/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 6490 CAPE HATTERAS WAY NE UNIT 2?+
The association fee works out to $1,442 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6490 CAPE HATTERAS WAY NE UNIT 2?+
The most recent tax bill on record (2025) was $2,806. 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 6490 CAPE HATTERAS WAY NE UNIT 2?+
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 $349,900, this home is listed about 20% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6490 CAPE HATTERAS WAY NE UNIT 2?+
Shore Acres Elementary School (elementary), Meadowlawn Middle School (middle), Northeast High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$349,900 runs 38% above the ST PETERSBURG 33702 median — but at 1,610 sqft it's also 20% larger than the typical St Petersburg listing.
02Know the monthly fee
The association fee is $1,442/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
156 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Shore Acres Elementary School, Meadowlawn Middle School, Northeast High School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $375,000, now $349,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Zach Steinberger. MLS #TB8485277.
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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