4462 39TH STREET S, ST PETERSBURG, FL, 33711
Active116 days on marketListed Apr 21, 2026MLS #TB8499843
About this home
4462 39TH STREET S
WATERFRONT LIVING IN BROADWATER — UNDER $1 MILLION Welcome to your MOVE-IN READY waterfront retreat in the highly sought-after BROADWATER NEIGHBORHOOD of St. Petersburg. This beautifully maintained 3-bedroom, 2-bath home offers the Florida lifestyle buyers dream about, with direct boating access to the Gulf from your private dock and boat lift. Step inside to an open-concept layout designed for both everyday comfort and effortless entertaining. The spacious living area features custom built-in shelving and stylish shiplap accents, creating a bright coastal atmosphere. A dedicated dining area provides the perfect space for gatherings, while a versatile bonus room can serve as a home office, pantry, hobby space, or additional storage. The real showstopper is outside. Sliding glass doors open to a large waterfront backyard where you can relax, entertain, or design the custom pool you've always wanted. Enjoy morning coffee overlooking the water, spend afternoons boating and fishing, and unwind with spectacular sunset views right from your own backyard. With quick Gulf access, a private dock and boat lift, flexible living spaces, and room to create your dream outdoor oasis, this is a rare opportunity to own a MOVE-IN READY WATERFRONT HOME in BROADWATER FOR UNDER $1 MILLION. Schedule your private showing today and start living the waterfront lifestyle you've been waiting for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,909
Sqft
0.23 ac
Lot size
2
Garage
1972
Year built
One
Levels
$497
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.
$7,180 /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
$7,180/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
+67.5%
$/sqft vs St Petersburg actives
$497 vs $336
Days on market
116 vs 57 typical
Where $497/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 Broadwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Broadwater — neighborhood snapshot
Population
1,173
Median age
60
Median income
$81,118
Median home value
$565,300
Avg household
2
Households w/ children
40%
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)
228 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 204% above the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4462 39TH STREET S
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$530,000
2985 61ST AVENUE S
3 bd · 2 ba · 1,905 sqft · $278/sqft · 48 DOM
Sold · Oct ’25$703,000
2581 61ST AVENUE S
4 bd · 2.5 ba · 1,905 sqft · $369/sqft · 71 DOM
Sold · Oct ’25$725,000
2724 66TH TERRACE S
3 bd · 3 ba · 1,918 sqft · $378/sqft · 23 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 4462 39TH STREET S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4462 39TH STREET S — 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
4462 39TH STREET S FAQs
What would the monthly payment be for 4462 39TH STREET S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,180/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 4462 39TH STREET S?+
The most recent tax bill on record (2025) was $18,516. 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 4462 39TH STREET 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 $949,000, this home is listed about 120% above the St Petersburg median of $431,250. The market section on this page shows how the area is trending.
Which schools are assigned to 4462 39TH STREET S?+
Gulfport Montessori Elementary School (elementary), Bay Point Middle School (middle), Lakewood 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
01Positioned at the premium end
$949,000 runs 204% above the ST PETERSBURG 33711 median — but at 1,909 sqft it's also 43% 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
116 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 $999,000, now $949,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Kendra Fountain. MLS #TB8499843.
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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