4731 COCONUT PALM CIRCLE NE, ST PETERSBURG, FL, 33703
Active127 days on marketListed Apr 7, 2026MLS #TB8490308
About this home
4731 COCONUT PALM CIRCLE NE
Don’t miss this spectacular lakefront estate home located in the 24-hour gated community of Placido Bayou, in a prime St. Petersburg location. This stunning two-story residence offers 3 bedrooms, 2.5 baths, soaring ceilings, and a dramatic second-level catwalk overlooking a versatile loft perfect for a home office or study space. Beveled glass entry doors welcome you into an elegant interior featuring marble flooring in all the right places and beautiful hardwood floors throughout the upstairs, dining room, family room, and first-floor master suite, adding warmth and sophistication throughout the home. The gourmet kitchen is appointed with granite countertops, a propane gas cooktop, and electric ovens, and opens seamlessly to the family room with a breakfast bar, ideal for entertaining. Enjoy breathtaking views of the largest lake in Placido from every ground-floor room. The formal dining and living rooms are a rare find, showcasing high ceilings and elegant finishes, while upstairs, a charming catwalk leads to two spacious bedrooms connected by a full Jack-and-Jill bath. The highly desirable first-floor master suite features hardwood flooring, a luxurious en-suite bath with a whirlpool tub and a large walk-in shower. Step outside to your private Pebble-Tec pool with brick pavers and take in spectacular lake views surrounded by lush palm landscaping, creating your own Florida oasis. This home is loaded with extras, including a granite desk in the kitchen, a granite wet bar in the family room, a library area, a walk-in pantry, a wine cooler, dual A/C heat pumps for east and west zones, and much more. Recent upgrades provide exceptional value and peace of mind, including all new hurricane-rated windows with over $100,000 invested, a new HVAC unit, a new tongue-and-groove wood ceiling in the lanai, a new seawall, and new pool equipment, including a pool heater. The neighborhood of Placido Bayou was virtually unscathed by Hurricanes Helene and Ian, further enhancing the appeal of this remarkable property. Furnishings may be negotiated as part of the purchase.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
3,069
Sqft
0.29 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$424
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.
$9,126 /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
$9,126/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
−37.5%
$/sqft vs PLACIDO BAYOU
$424 vs $431
Days on market
127 vs 58 typical
Where $424/sqft sits among the 10 homes for sale in PLACIDO BAYOU
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 Placido Bayou
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Placido Bayou — neighborhood snapshot
Population
1,374
Median age
58
Median income
$119,934
Median home value
$576,400
Avg household
2
Households w/ children
91%
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)
5 of 10
PLACIDO BAYOU have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 201% 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 4731 COCONUT PALM CIRCLE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,250,000
1191 DARLINGTON OAK DRIVE NE · same community
5 bd · 3.5 ba · 3,182 sqft · $393/sqft · 294 DOM
Sold · Nov ’25$1,325,000
1080 WATER OAK COURT NE · same community
4 bd · 3 ba · 2,820 sqft · $470/sqft · 5 DOM
Sold · Feb ’26$1,385,000
660 BAY LAUREL COURT NE · same community
4 bd · 3.5 ba · 2,698 sqft · $513/sqft · 62 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 4731 COCONUT PALM CIRCLE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4731 COCONUT PALM CIRCLE 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
4731 COCONUT PALM CIRCLE NE FAQs
What would the monthly payment be for 4731 COCONUT PALM CIRCLE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,126/mo — principal and interest, the actual property-tax bill, the $165/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 4731 COCONUT PALM CIRCLE NE?+
The association fee works out to $165 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4731 COCONUT PALM CIRCLE NE?+
The most recent tax bill on record (2025) was $15,585. 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 4731 COCONUT PALM CIRCLE 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 $1,300,000, this home is listed about 199% 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 4731 COCONUT PALM CIRCLE NE?+
North Shore 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
Three things that matter here
01Positioned at the premium end
$1,300,000 runs 201% above the ST PETERSBURG 33703 median — but at 3,069 sqft it's also nearly twice 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
127 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of A BETTER LIFE REALTY · Morgan Ellis. MLS #TB8490308.
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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