1435 48TH AVENUE NE, ST PETERSBURG, FL, 33703
Active145 days on marketListed Mar 20, 2026MLS #TB8488393
About this home
1435 48TH AVENUE NE
Welcome to Waterway Estates, waterfront living with all the bells and whistles! This coastal delight is a 4-bedroom, 3-bath home and an entertainer's dream! Situated on a large 100x75 lot with 75 feet of waterfront, this residence offers the true Florida lifestyle just minutes by boat, bike, or golf cart to vibrant downtown St. Pete. The spacious interior has a well thought out open-concept floor plan, natural light, gourmet chef’s kitchen, split floorplan and the perfect flow for indoor outdoor living. With almost 2000 square feet of interior living space this home offers both a formal living and family room, split floor plan with double primary suites, new flooring throughout, updated bathrooms, and hurricane impact windows. The heart of the home is the spacious chef's kitchen. The oversized island is perfect for easy conversations while preparing family meals. Complete with gas range, new appliances, luxury leather finish countertops, coffee bar and ample storage. Imagine hosting your friends and family for holidays with room for everyone to relax. The french doors open to a covered lanai with pool cage, crystal blue pool (resurfaced 2025) with safety fence, turfed side yard for low maintenance. Peace of mind with your new seawall, trex dock complete with bench and fish station (2017) and a 10,000 lb boat lift for your water steed. Complete with water and electric to the dock! Other upgrades to this meticulously cared for home include new roof (2025), Heating and AC (2019), tankless water heater (2018), all new PEX plumbing (2025), whole house water softener system (2020). Waterway Estates is a welcoming community, close to pickleball courts and a playground. Conveniently located near Publix, Whole Foods, Trader Joe’s, Cali, and Fresh Market, Tampa International Airport, Award Winning Gulf Beaches, downtown St Pete and Tampa, restaurants, shopping and outdoor living. This home is the perfect blend of affordable luxury and waterfront living—schedule your private tour today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,973
Sqft
0.18 ac
Lot size
2
Garage
1970
Year built
One
Levels
$481
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.
$6,210 /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
$6,210/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
+32.9%
$/sqft vs St Petersburg actives
$481 vs $336
Days on market
145 vs 58 typical
Where $481/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 Waterway Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Waterway Estates — neighborhood snapshot
Population
1,144
Median age
43
Median income
$154,052
Median home value
$615,700
Avg household
3
Households w/ children
162
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)
225 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 123% above the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 1435 48TH AVENUE NE
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$710,000
1399 49TH AVENUE NE · same community
4 bd · 2 ba · 1,963 sqft · $362/sqft · 156 DOM
Sold · Feb ’26$976,000
4880 DOVER STREET NE · same community
3 bd · 3 ba · 2,005 sqft · $487/sqft · 4 DOM
Sold · Sep ’25$1,116,250
1497 47TH AVENUE NE · same community
4 bd · 2 ba · 1,915 sqft · $583/sqft · 3 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 1435 48TH AVENUE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1435 48TH AVENUE 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.
Straight answers
1435 48TH AVENUE NE FAQs
What would the monthly payment be for 1435 48TH AVENUE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,210/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 1435 48TH AVENUE NE?+
The most recent tax bill on record (2025) was $6,877. 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 1435 48TH AVENUE NE?+
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 $949,000, this home is listed about 118% 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 1435 48TH AVENUE NE?+
Shore Acres Elementary School (elementary), Northeast High School (high), Meadowlawn Middle School (middle) — 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
$949,000 runs 123% above the ST PETERSBURG 33703 median — but at 1,973 sqft it's also 46% 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
145 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, Northeast High School, Meadowlawn Middle School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $975,000, now $949,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Courtney Stein. MLS #TB8488393.
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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