5664 40TH TERRACE N UNIT 428, ST PETERSBURG, FL, 33710
Active141 days on marketListed Mar 28, 2026MLS #TB8491600
About this home
5664 40TH TERRACE N UNIT 428
PRICE DROP!!! Sun-filled and full of easy, low-maintenance charm, this one-bedroom, one-bath condo is the kind of home that makes everyday living feel effortless. From the moment you step inside, you’ll appreciate the smart one-floor layout, central air, and a bright, comfortable living space that flows beautifully for relaxing, entertaining, or simply enjoying a quiet night in. The mix of carpet and laminate flooring adds warmth and practicality, while ceiling fans help keep the atmosphere light and comfortable year-round. The kitchen is equipped with the essentials already in place, including a range, refrigerator, and microwave, making it move-in ready from day one. The primary bedroom offers a built-in closet for functional storage, and the home comes partially furnished, giving you a great head start whether you’re looking for a full-time residence, a seasonal escape, or an investment opportunity. One of the biggest selling points here is the lifestyle that comes with it. The covered and screened porch creates an inviting extension of the living space, perfect for morning coffee, evening unwinding, or enjoying the Florida breeze in comfort. Built with block construction and a shingle roof, this residence offers durability along with a classic, easy-care feel. Beyond the unit itself, the community delivers an impressive lineup of amenities designed to make every day feel a little more fun and connected. Residents can enjoy shuffleboard courts for friendly outdoor recreation, car wash stations on-site, community storage, and a welcoming clubhouse that offers so much more than expected, including a library filled with books, a pool room, a piano, aerobics classes, private parties, and more. Pet-friendly and designed for simple living, this condo checks all the boxes for comfort, convenience, and value. The low monthly HOA fee adds even more appeal, covering water, trash, sewer, internet, cable TV (TV’s are not coming with the sale), exterior maintenance including the roof, and grounds maintenance, creating a truly easy lock-and-leave lifestyle. With common-area laundry, a practical layout, and amenities that bring both convenience and personality, this is the kind of property that feels comfortable, connected, and effortlessly livable. Buyer to verify all information with the association.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
652
Sqft
0.17 ac
Lot size
1961
Year built
One
Levels
$110
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.
$1,199 /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
$1,199/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
−8.3%
$/sqft vs St Petersburg actives
$110 vs $343
Days on market
141 vs 57 typical
Where $110/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 33710 — neighborhood snapshot
Population
35,113
Median age
46.1
Median income
$76,908
Median home value
$312,500
Avg household
2.32
Households w/ children
3,314
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)
228 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 81% below the ST PETERSBURG 33710 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 5664 40TH TERRACE N UNIT 428
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$69,000
4154 56TH STREET N UNIT 820 · same community
1 bd · 1 ba · 652 sqft · $106/sqft · 135 DOM
Sold · Dec ’25$150,000
4154 56TH STREET N UNIT 720 · same community
1 bd · 1 ba · 728 sqft · $206/sqft · 118 DOM
Sold · Nov ’25$94,900
4152 55 WAY N UNIT 1030 · same community
2 bd · 1 ba · 875 sqft · $108/sqft · 316 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 5664 40TH TERRACE N UNIT 428 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5664 40TH TERRACE N UNIT 428 — 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
5664 40TH TERRACE N UNIT 428 FAQs
What would the monthly payment be for 5664 40TH TERRACE N UNIT 428?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,199/mo — principal and interest, the actual property-tax bill, the $488/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 5664 40TH TERRACE N UNIT 428?+
The association fee works out to $488 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5664 40TH TERRACE N UNIT 428?+
The most recent tax bill on record (2025) was $1,139. 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 5664 40TH TERRACE N UNIT 428?+
The listing reports pets: Cats OK, Dogs OK, 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 $72,000, this home is listed about 83% 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 5664 40TH TERRACE N UNIT 428?+
Azalea Elementary School (elementary), Azalea Middle School (middle), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST PETERSBURG 33710 market on paper
$72,000 is 81% below the ST PETERSBURG 33710 median of $384,000, and at $110/sqft it sits under the St Petersburg average of $380.
02Time on market is leverage
141 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Azalea Elementary School, Azalea Middle School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $75,499, now $72,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC. · Daniela Nankova-Silverstone. MLS #TB8491600.
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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