David Ramirez
$1,200,000$1,325,0003 bd2 ba1,898 sqft$632 /sqft$8,146 /mo all-in ↓

6984 S SHORE DRIVE S, ST PETERSBURG, FL, 33707

Active133 days on marketListed Mar 31, 2026MLS #TB8492407

Reduced $125KWaterfrontPrivate poolSingle Family ResidencePASADENA ISLE

About this home

6984 S SHORE DRIVE S

Virtually Staged. Welcome to waterfront living at its finest in this beautifully renovated 3 bedroom, 2 bathroom home offering 1,898 square feet, a 2-car garage, and breathtaking open water views of Boca Ciega Bay. Perfectly positioned in the quiet and cozy South Pasadena community, Pasadena Isle. This home blends modern updates, natural light, and an effortless coastal lifestyle with quick access to St. Pete Beach, Gulfport, and vibrant downtown St. Petersburg. As you step inside, you are welcomed into a spacious living room centered around a sleek electric fireplace and filled with incredible natural light pouring in from oversized windows overlooking the bay. The space flows seamlessly into the dining area and continues into a second living room where the water views truly take center stage, creating an ideal layout for both relaxing and entertaining. Just off this main gathering space is the updated chef’s kitchen, thoughtfully designed with modern finishes and functionality in mind, all while enjoying stunning sightlines of the water. On the opposite side of the home, you’ll find a well-designed bedroom wing featuring two versatile guest bedrooms and a full bathroom, along with the private primary suite. The primary bedroom captures unobstructed views of Boca Ciega Bay and offers direct access to a large covered and screened side porch - a perfect extension of the living space for morning coffee or evening sunsets. Step outside to your waterfront backyard oasis, complete with a pool, fresh landscaping, and a deep-water dock ideal for boating, kayaking, paddleboarding, and game fishing. With no lift, the dock offers flexible access for a variety of watercraft. Enjoy daily encounters with Florida wildlife, including manatees and dolphins, right from your backyard. Inside, the home has been fully refreshed within the last three years and features luxury vinyl plank flooring throughout, along with fresh interior updates that complement the bright and airy feel. The exterior has also been revitalized with new paint, sod, and landscaping, enhancing curb appeal and creating a welcoming first impression. With an established neighborhood, strong sense of community, and unmatched open water views from the primary bedroom, kitchen, and living areas, this move-in ready waterfront home offers the perfect blend of comfort, style, and coastal convenience.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,898

Sqft

0.31 ac

Lot size

2

Garage

1959

Year built

One

Levels

$632

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringLuxury Vinyl
AppliancesConvection Oven · Dishwasher · Disposal · Microwave · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Window Treatments
LaundryElectric Dryer Hookup · Other · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewWater
FacesSouthwest
ParkingCovered · Driveway
ExteriorHurricane Shutters · Irrigation System · Lighting · Outdoor Shower · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$12,736/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,146 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$1,061
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $120,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $120,000
Interest rate6.00%
Loan term

Estimated payment

$8,146/mo

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property taxes (actual bill)$1,061
Est. insurance$160

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.

List $1.2M
$637KedgeAI estimate $742,011 · range $663K$939K$1.2M

vs edgeAI estimate

+61.7%

$/sqft vs St Petersburg actives

$632 vs $336

Days on market

133 vs 57 typical

Where $632/sqft sits among the 400 St Petersburg actives

135
139
58
28 · this home
11
29
$135–272$272–409$409–545$545–682$682–819$819+

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

Map of 6984 S SHORE DRIVE S

Drive times from this address

Tampa Int’l Airport (TPA)38 min
Downtown Tampa39 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Petersburg. See the full St Petersburg guide →

ST PETERSBURG 33707 — neighborhood snapshot

Population

24,456

Median age

59.8

Median income

$68,560

Median home value

$344,600

Avg household

1.88

Households w/ children

1,331

For the school run

Pinellas County School District

ElementaryGulfport Montessori Elementary School★★★★★
HighBoca Ciega High School★★★★★
MiddleAzalea Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s 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 297% above the ST PETERSBURG 33707 median. See the full St Petersburg market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,200,000 $125K
Mar 31, 2026Listed at $1,325,000 · 133 days on market since
1959Built · PASADENA ISLE

Reality check

What actually sold near 6984 S SHORE DRIVE S

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6964 GRANDE VISTA WAY SSold · Jan ’26

$470,000

6964 GRANDE VISTA WAY S · same community

4 bd · 3 ba · 1,892 sqft · $248/sqft · 29 DOM

7092 S SHORE DRIVESold · Feb ’26

$1,075,000

7092 S SHORE DRIVE · same community

4 bd · 3 ba · 1,883 sqft · $571/sqft · 37 DOM

6960 S SHORE DRIVE SSold · Oct ’25

$740,000

6960 S SHORE DRIVE S · same community

3 bd · 3 ba · 2,138 sqft · $346/sqft · 68 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6984 S SHORE DRIVE S — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6984 S SHORE DRIVE S — before you fall in love.

See it in person

Schedule a tour

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Straight answers

6984 S SHORE DRIVE S FAQs

What would the monthly payment be for 6984 S SHORE DRIVE S?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,146/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 6984 S SHORE DRIVE S?+

The most recent tax bill on record (2025) was $12,736. 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 6984 S SHORE DRIVE S?+

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 $1,200,000, this home is listed about 176% 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 6984 S SHORE DRIVE S?+

Gulfport Montessori Elementary School (elementary), Boca Ciega High School (high), Azalea 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

01Positioned at the premium end

$1,200,000 runs 297% above the ST PETERSBURG 33707 median — but at 1,898 sqft it's also 40% 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

133 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,325,000, now $1,200,000 — a $125K cut. The full history is in the market section below.

Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Jacki Fabrizio. MLS #TB8492407.

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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