170 98TH AVENUE N, ST PETERSBURG, FL, 33702
Active151 days on marketListed Mar 13, 2026MLS #TB8485839
About this home
170 98TH AVENUE N
Virtually Staged. Completely updated and Move in Ready! This 4 bed 2 bath home has undergone extensive renovations in 2025. Experience the epitome of modern luxury in this meticulously updated waterfront home, that is so crisp it looks like brand new construction. Located in one of St. Petersburg's most desirable communities, this property offers an unparalleled lifestyle. The expansive open floor plan, perfect for entertaining, seamlessly flows into the oversized kitchen. Complete with quartz countertops, stainless steel appliances (2025), and a large waterfall island, the kitchen is a chef's dream. The primary suite boasts water views, a luxurious spa-like bath, and a walk-in closet. Three additional oversized bedrooms provide ample space for family or guests. Step through the sliding glass doors and enjoy your waterfront oasis with a new seawall, dock, and motorized screened-in patio. The beautiful white oak flooring adds a touch of elegance throughout the home. This waterfront dream home is turnkey, with every detail thoughtfully updated. From the contemporary finishes to the impeccable design, it's ready for you to call it home. Enjoy the Brand new Indoor Laundry Nook, Large Kitchen Pantry Cabinet, Dishwasher, Refrigerator, Range, Hot Water Heater, Washer and Dryer!. Roof, Dock and Seawall were replaced in 2020. The community itself is rich in amenities, including a boat ramp, two local parks, a bi-monthly newsletter, a local sandbar, an annual concert on the water, a Christmas Golf Cart Parade, a Christmas Eve Boat Parade, and streets adorned with American Flags for the 4th of July and Memorial weekends. Conveniently situated near downtown St. Pete, Tampa, and a short drive to Clearwater and the Gulf Beaches, this property offers not just a home but a lifestyle. Don't miss the opportunity to make this waterfront haven your own! The home was completely remediated and remodeled by a luxury General Contractor. All work was permitted by the city. This home only flooded once in its lifetime! Flood policy is assumable. Schedule a showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,860
Sqft
0.17 ac
Lot size
2
Garage
1967
Year built
One
Levels
$467
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.
$5,960 /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
$5,960/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
+130.4%
$/sqft vs St Petersburg actives
$467 vs $327
Days on market
151 vs 57 typical
Where $467/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 Riviera Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Riviera Bay — neighborhood snapshot
Population
3,650
Median age
49
Median income
$114,177
Median home value
$430,807
Avg household
2
Households w/ children
376
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 248% 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 170 98TH AVENUE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$325,000
9800 2ND STREET N · same community
3 bd · 2 ba · 1,617 sqft · $201/sqft · 97 DOM
Sold · May ’26$695,000
1052 SANABEL COURT NE
3 bd · 3 ba · 1,796 sqft · $387/sqft · 4 DOM
Sold · Apr ’26$362,000
836 AMELIA COURT NE
3 bd · 3 ba · 1,796 sqft · $202/sqft · 124 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 170 98TH AVENUE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 170 98TH AVENUE N — 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
170 98TH AVENUE N FAQs
What would the monthly payment be for 170 98TH AVENUE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,960/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 170 98TH AVENUE N?+
The most recent tax bill on record (2025) was $9,418. 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 $869,000, this home is listed about 100% 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 170 98TH AVENUE N?+
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
$869,000 runs 248% above the ST PETERSBURG 33702 median — but at 1,860 sqft it's also 38% 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
151 days on market against a St Petersburg median of 57 — 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 $894,999, now $869,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Melissa Stiles. MLS #TB8485839.
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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