460 MOUNT OAK AVENUE NE UNIT 745, ST PETERSBURG, FL, 33702
Active111 days on marketListed Apr 29, 2026MLS #TB8503310
About this home
460 MOUNT OAK AVENUE NE UNIT 745
One or more photo(s) has been virtually staged. Waterfront Property in popular 55+ community! Awesome views! No flooding in 2024 storms! Beautifully remodeled 3 bedroom/2 bath waterfront home with 50 feet on wide saltwater canal to Tampa Bay with no bridges. Located in Americana Cove, the premier 55+ factory-built housing community only 10 mins to downtown St. Petersburg, the owner remodeled the home with pride and the upgrades are many: 1). 2023 HVAC system and ductwork, 2). beautiful wide plank luxury vinyl water proof flooring throughout, 3). open kitchen/dining/living area with 180 degree views of the wide canal and mangroves--no homes across; 4). remodeled kitchen with stainless appliances, granite countertops and wood cabinets; 5). remodeled baths with walk-in showers for easy access; 6). two large guests bedrooms and primary owner suite with walk-in closet and full bath for the ultimate in comfort. 7). Drywall throughout. 8). Composite deck off living area offers exceptional views of the water. 9). A beautiful 216 sq. ft screened lanai is a great place to enjoy the sunsets and wildlife. 10). Extra large storage shed with 126 sq ft of space and washer and dryer hookup. 11). Beautiful mature landscaping. Yes, buyer can put in dock and lift! This is truly that retirement waterfront retreat that you've been dreaming about! Price includes share for the lot and ownership in the Co-op. Low monthly maintenance fee of $410 includes water, sewer, trash pick up, lawn mowing, 24 hr manned gate, heated pool, clubhouse, fitness center and so much more! An extra bonus is that the seawall is maintained by the co-op! 4th Street shopping and dining are minutes away. Two airports are 15 minutes away. Two pets (dogs or cats) up to 35 pds each are welcomed! Renting is allowed with 2-month minimum. This is Florida living at its best! Seller will pay Buyer's closing costs excluding any maintenance fee pre-paids required by Co-op.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,104
Sqft
0.12 ac
Lot size
1971
Year built
One
Levels
$254
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.
$2,670 /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
$2,670/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.
$/sqft vs MOBEL AMERICANA MOBILE HOME PARK UNREC
$254 vs $196
Days on market
111 vs 58 typical
Where $254/sqft sits among the 36 homes for sale in MOBEL AMERICANA MOBILE HOME PARK UNREC
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 Mobel Americana
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Mobel Americana — neighborhood snapshot
Population
682
Median age
66
Median income
$68,843
Median home value
$312,800
Avg household
2
Households w/ children
49%
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)
19 of 36
MOBEL AMERICANA MOBILE HOME PARK UNREC have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% above the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 460 MOUNT OAK AVENUE NE UNIT 745
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$67,000
650 MOUNT KEY AVENUE NE UNIT 628 · same community
2 bd · 1.5 ba · 1,088 sqft · $62/sqft · 151 DOM
Sold · Mar ’26$228,000
7106 MOUNT ESSEX DRIVE NE UNIT 494 · same community
2 bd · 2 ba · 1,134 sqft · $201/sqft · 3 DOM
Sold · Jul ’26$70,000
539 MOUNT PINEY AVENUE NE UNIT 689 · same community
2 bd · 2 ba · 1,074 sqft · $65/sqft · 202 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 460 MOUNT OAK AVENUE NE UNIT 745 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 460 MOUNT OAK AVENUE NE UNIT 745 — 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
460 MOUNT OAK AVENUE NE UNIT 745 FAQs
What would the monthly payment be for 460 MOUNT OAK AVENUE NE UNIT 745?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,670/mo — principal and interest, the actual property-tax bill, the $410/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 460 MOUNT OAK AVENUE NE UNIT 745?+
The association fee works out to $410 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 460 MOUNT OAK AVENUE NE UNIT 745?+
The most recent tax bill on record (2025) was $3,938. 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 460 MOUNT OAK AVENUE NE UNIT 745?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $280,000, this home is listed about 36% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 460 MOUNT OAK AVENUE NE UNIT 745?+
Shore Acres 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
01Positioned at the premium end
$280,000 runs 13% above the ST PETERSBURG 33702 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Shore Acres Elementary School, Meadowlawn Middle School, Northeast High School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $285,000, now $280,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BAREFOOT REALTY GROUP · Charity Cicardo. MLS #TB8503310.
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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