8651 10TH STREET N UNIT 228, ST PETERSBURG, FL, 33702
Active130 days on marketListed Apr 9, 2026MLS #TB8494746
About this home
8651 10TH STREET N UNIT 228
Virtually Staged. Updated 1BR/1BA condo with a bright open floor plan and modern finishes throughout. Features include contemporary glossy flat-panel soft-close kitchen cabinets, quartz countertops, and newer appliances. Recessed LED lighting in ceilings and under cabinets, plus ceramic tile flooring throughout. Stylish floating cabinets in the living area and bath, and an updated tile shower with built-in seat. Enjoy the convenience of a full-size stackable washer/dryer, walk-in closet, and a versatile bonus area with desk and Murphy bed—perfect for guests or a home office. Custom blinds included. This 55+ community is located in a well-maintained complex with elevator access and a beautiful pool area featuring bathrooms, lounge chairs, and a gazebo. Prime location close to beaches, restaurants, and downtown St. Petersburg.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
780
Sqft
1971
Year built
One
Levels
$204
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.
$1,786 /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
$1,786/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
+50.4%
$/sqft vs St Petersburg actives
$204 vs $344
Days on market
130 vs 57 typical
Where $204/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 Barcley 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 →
Barcley Estates — neighborhood snapshot
Population
1,736
Median age
48
Median income
$56,544
Median home value
$356,032
Avg household
2
Households w/ children
158
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)
233 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 36% below the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 8651 10TH STREET N UNIT 228
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$85,000
8651 10TH STREET N UNIT 216 · same community
1 bd · 1 ba · 780 sqft · $109/sqft · 45 DOM
Sold · Sep ’25$118,000
8700 DR MARTIN LUTHER KING JR STREET N UNIT 8700 · same community
2 bd · 2 ba · 1,005 sqft · $117/sqft · 25 DOM
Sold · Sep ’25$700,000
1300 86TH AVENUE N · same community
4 bd · 3 ba · 1,945 sqft · $360/sqft · 8 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 8651 10TH STREET N UNIT 228 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8651 10TH STREET N UNIT 228 — 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
8651 10TH STREET N UNIT 228 FAQs
What would the monthly payment be for 8651 10TH STREET N UNIT 228?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,786/mo — principal and interest, the actual property-tax bill, the $552/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 8651 10TH STREET N UNIT 228?+
The association fee works out to $552 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8651 10TH STREET N UNIT 228?+
The most recent tax bill on record (2025) was $773. 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 8651 10TH STREET N UNIT 228?+
The listing reports pets: Cats OK, Size Limit. 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 $159,500, this home is listed about 63% below the St Petersburg median of $436,900. The market section on this page shows how the area is trending.
Which schools are assigned to 8651 10TH STREET N UNIT 228?+
Sawgrass Lake Elementary School (elementary), Meadowlawn Middle School (middle), Northeast 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 33702 market on paper
$159,500 is 36% below the ST PETERSBURG 33702 median of $249,950, and at $204/sqft it sits under the St Petersburg average of $380.
02Know the monthly fee
The association fee is $552/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
130 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 $167,000, now $159,500 — a $8K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST · Beth Walker. MLS #TB8494746.
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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