4435 1ST STREET NE UNIT 103, ST PETERSBURG, FL, 33703
Active137 days on marketListed Apr 3, 2026MLS #TB8492162
About this home
4435 1ST STREET NE UNIT 103
Location, lifestyle, and modern updates come together beautifully in this move-in-ready condo in Northeast St. Petersburg, just minutes from downtown, major highways, shopping, dining, Coffee Pot Park, North Shore Park, and the waterfront. Thoughtfully maintained and recently renovated, this spacious two-bedroom home offers a bright, open-concept layout where the living and dining areas flow seamlessly, creating an inviting space for everyday living and entertaining. The kitchen is both stylish and functional, featuring updated finishes and a full suite of appliances, including brand-new, never-used options following professional renovations completed in 2024. Durable tile and laminate flooring run throughout, offering a clean, modern aesthetic with easy maintenance. The primary bedroom provides a comfortable retreat with a walk-in closet and private bath, while the second bedroom and additional full bathroom offer flexibility for guests, a home office, or additional living space. Enjoy Florida living at its best with a spacious screened-in outdoor area—perfect for relaxing, whether overlooking lush green space from an elevated balcony or enjoying the privacy of a covered porch. Additional conveniences include assigned parking, extra storage, and easy access to laundry facilities, with select units offering ground-floor entry or elevator access. This well-maintained, non-55+ community features reasonable monthly fees with exceptional value, covering essentials such as cable, water, sewer, trash, maintenance, and insurance. Residents also enjoy a peaceful canal-front gathering area with a dock overlooking a saltwater canal leading to Placido Bayou—ideal for kayaking or unwinding by the water—as well as nearby walking and biking paths that connect directly to downtown. With major system updates including roof (2019), and 2024, this condo offers a rare combination of comfort, convenience, and peace of mind—making it a perfect primary residence, seasonal getaway, or investment opportunity.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
1 ac
Lot size
1968
Year built
One
Levels
$193
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.
$2,169 /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
$2,169/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
+16.1%
$/sqft vs St Petersburg actives
$193 vs $344
Days on market
137 vs 58 typical
Where $193/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 North East Park
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
North East Park — neighborhood snapshot
Population
4,751
Median age
46
Median income
$106,826
Median home value
$455,136
Avg household
2
Households w/ children
683
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)
232 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 56% below the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4435 1ST STREET NE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$124,000
4435 1ST STREET NE UNIT 205 · same community
2 bd · 1 ba · 845 sqft · $147/sqft · 27 DOM
Sold · Jul ’26$830,000
116 LAREDO WAY NE
2 bd · 1 ba · 1,040 sqft · $798/sqft · 0 DOM
Sold · Nov ’25$755,000
767 23RD AVENUE N
2 bd · 2 ba · 1,126 sqft · $671/sqft · 26 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 4435 1ST STREET NE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4435 1ST STREET NE UNIT 103 — 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
4435 1ST STREET NE UNIT 103 FAQs
What would the monthly payment be for 4435 1ST STREET NE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,169/mo — principal and interest, the actual property-tax bill, the $690/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 4435 1ST STREET NE UNIT 103?+
The association fee works out to $690 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4435 1ST STREET NE UNIT 103?+
The most recent tax bill on record (2025) was $1,775. 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 4435 1ST STREET NE UNIT 103?+
The listing reports pets: No. 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 $185,000, this home is listed about 57% 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 4435 1ST STREET NE UNIT 103?+
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
Four things that matter here
01Under the ST PETERSBURG 33703 market on paper
$185,000 is 56% below the ST PETERSBURG 33703 median of $419,900, and at $193/sqft it sits under the St Petersburg average of $380.
02Know the monthly fee
The association fee is $690/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
137 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $200,000, now $185,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · BEBE Ocano. MLS #TB8492162.
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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