David Ramirez
$1,365,000$1,395,0004 bd3 ba2,100 sqft$650 /sqft$9,006 /mo all-in ↓

797 45TH AVENUE NE, ST PETERSBURG, FL, 33703

Active109 days on marketListed Apr 24, 2026MLS #TB8499793

Reduced $30KWaterfrontPrivate poolSingle Family ResidenceCRISP MANOR 1ST ADD

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

Private poolWaterfrontFireplacePool & Water view

Inside

FlooringPorcelain Tile
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Freezer · Gas Water Heater · Microwave · Range Hood · Refrigerator · Washer
InteriorHigh Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Thermostat · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air · Zoned
HeatingCentral · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesSouth
ExteriorFrench Doors · Garden · Irrigation System

Community & fees

Taxes (2025)$11,629/yr

Utilities & systems

UtilitiesFiber Optics · Natural Gas 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.

$9,006 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,365
PMI (est., until 20% equity)$512
Property tax — 2025 actual bill$969
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $136,500Loan30-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% · $136,500
Interest rate6.00%
Loan term

Estimated payment

$9,006/mo

Principal & interest$7,365
PMI (est., until 20% equity)$512
Property taxes (actual bill)$969
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 $1.4M
$668KedgeAI estimate $902,917 · range $696K$996K$1.4M

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

134
140
60
27 · this home
10
29
$134–270$270–406$406–542$542–678$678–814$814+

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

Map of 797 45TH AVENUE NE inside its neighborhood boundary

Drive times from this address

Downtown Tampa26 min
Tampa Int’l Airport (TPA)27 min

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

ElementaryNorth Shore Elementary School★★★★★
HighNortheast High School★★★★★
MiddleMeadowlawn 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)

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

CurrentPrice reduced to $1,365,000 $30K
Apr 24, 2026Listed at $1,395,000 · 109 days on market since
1965Built · CRISP MANOR 1ST ADD

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.

742 45TH AVENUE NESold · Sep ’25

$585,000

742 45TH AVENUE NE · same community

3 bd · 3 ba · 1,887 sqft · $310/sqft · 130 DOM

715 45TH AVENUE NESold · Dec ’25

$819,000

715 45TH AVENUE NE · same community

3 bd · 2 ba · 1,837 sqft · $446/sqft · 136 DOM

897 45TH AVENUE NESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 797 45TH AVENUE NE — start here.

Andrew Acosta

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.

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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.

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.

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