
797 45TH AVENUE NE, ST PETERSBURG, FL, 33703
Active109 days on marketListed Apr 24, 2026MLS #TB8499793
About this home
797 45TH AVENUE NE
4 Bed | 3 Bath | 2-Car Garage — Bright waterfront block home offering a split floor plan with hurricane windows/doors and a newer roof (2023).Enjoy enhanced comfort with three separate high-efficiency, ultra-quiet A/C zones.The open-concept living area features 10-foot ceilings and a striking gas fireplace with a stone mantel. The great room is complemented by its own dedicated A/C system for optimal comfort.The chef’s kitchen is a true centerpiece, highlighted by a 6' x 11' waterfall quartz island, premium KitchenAid appliances, double dishwashers, a bar fridge, and a state-of-the-art 5-burner induction cooktop.The thoughtfully designed split layout offers a private primary suite with its own A/C system, walk-in closet, spacious shower, dual vanities, and a separate water closet. On the opposite side, three additional bedrooms and two bathrooms are serviced by a dedicated A/C zone. All bathrooms are finished with elegant marble tile.Step outside to an expansive terrace featuring over 1,500 sq ft of marble decking surrounding a sleek new pool.Boating enthusiasts will appreciate 75 feet of water frontage, including a new 45 feet composite dock, a 12,000 lb boat lift, and convenient access to Tampa Bay. The 40th Ave NE bridge provides approximately 13 feet of clearance for navigation to open water. Enjoy frequent visits from manatees and dolphins right from your backyard.Conveniently located near Whole Foods, Publix, Trader Joe’s, Fresh Market, and Rollin’ Oats, as well as top private schools including Shorecrest, Canterbury, and St. Raphael’s.Schedule your private showing today and experience waterfront living at its finest—this exceptional property won’t last long. Owner is the listing agent.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,100
Sqft
0.2 ac
Lot size
2
Garage
1965
Year built
One
Levels
$650
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 — not generic estimates.
$9,006 /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
$9,006/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
+51.2%
$/sqft vs St Petersburg actives
$650 vs $329
Days on market
109 vs 57 typical
Where $650/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)
223 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 223% 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 797 45TH AVENUE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$585,000
742 45TH AVENUE NE · same community
3 bd · 3 ba · 1,887 sqft · $310/sqft · 130 DOM
Sold · Dec ’25$819,000
715 45TH AVENUE NE · same community
3 bd · 2 ba · 1,837 sqft · $446/sqft · 136 DOM
Sold · Sep ’25$915,000
897 45TH AVENUE NE · same community
3 bd · 2 ba · 1,446 sqft · $633/sqft · 0 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 797 45TH AVENUE NE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 797 45TH AVENUE 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
797 45TH AVENUE NE FAQs
What would the monthly payment be for 797 45TH AVENUE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,006/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 797 45TH AVENUE NE?+
The most recent tax bill on record (2025) was $11,629. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Petersburg?+
At $1,365,000, this home is listed about 214% 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 797 45TH AVENUE 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
$1,365,000 runs 223% above the ST PETERSBURG 33703 median — but at 2,100 sqft it's also 55% 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.
03The price has already moved
Listed at $1,395,000, now $1,365,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LOKATION · Bruno Lapeyre. MLS #TB8499793.
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.
Never miss a listing
New St Petersburg homes, in your inbox
Like 797 45TH AVENUE NE but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


