David Ramirez
$275,0003 bd3 ba960 sqft$286 /sqft$2,694 /mo all-in ↓

7186 MOUNT ARLINGTON DRIVE NE UNIT 421, ST PETERSBURG, FL, 33702

Active76 days on marketListed May 29, 2026MLS #TB8512421

Mobile HomeMOBEL AMERICANA MOBILE HOME PARK UNREC

About this home

7186 MOUNT ARLINGTON DRIVE NE UNIT 421

Welcome to your perfect Florida waterfront retreat in the highly sought-after 55+ resident-owned boating community of Americana Cove, where luxury coastal living, active adult lifestyle, and affordable waterfront ownership come together in one beautifully remodeled home. Whether you are searching for a seasonal snowbird escape, winter residence, retirement oasis, or full-time Florida dream home, this move-in-ready property offers the ideal blend of comfort, convenience, boating access, and resort-style amenities. Perfectly positioned on a deep saltwater canal with direct navigable access to Tampa Bay and absolutely no bridges, this exceptional waterfront property includes a private dock and boat lift, providing effortless access for boating, fishing, kayaking, paddle boarding, and sunset cruises right from your backyard. Enjoy peaceful water views and Florida wildlife from the oversized enclosed Florida room, creating the ultimate indoor-outdoor lifestyle experience. Inside, the home has been completely remodeled and beautifully maintained with an open-concept split-bedroom floor plan designed for both entertaining and privacy. Natural light fills the spacious living areas while water views serve as the backdrop from nearly every main gathering space. A rare and highly desirable feature is the double owner’s suite layout, offering 2 spacious primary suites, each with private en-suite full bathrooms, ideal for hosting guests or creating separate owner and guest retreats. The 3rd bedroom features built-in drawers, generous closet space, and easy access to the nearby hall bath, making it perfect for visitors, hobbies, office space, or additional sleeping accommodations. The tucked-away washer and dryer closet is conveniently located within the Florida room for easy accessibility while maximizing interior space. Outside, the oversized storage shed provides ample room for a golf cart, bicycles, tools, fishing gear, boating equipment, beach essentials, and additional recreational storage. Americana Cove is one of St. Petersburg’s premier active adult waterfront communities, offering resort-style amenities with low monthly maintenance fees of only $410/mo, including water, sewer, trash, lawn maintenance, seawall maintenance, private streets, and 24-hour manned gated security. Residents enjoy access to a heated pool, waterfront clubhouse, fitness center, billiards room, shuffleboard courts, bocce ball, fishing areas, boat ramps, kayak launch, library, hobby shop, social clubs, and organized activities. Conveniently located just minutes from downtown St. Petersburg, waterfront dining, shopping, grocery stores, entertainment, and Gulf beaches, this location offers exceptional convenience for both full-time residents and seasonal homeowners, with quick access to 4th Street shopping, vibrant downtown St. Pete, St. Pete-Clearwater International Airport, and Tampa International Airport. Americana Cove is also pet friendly, welcoming up to 2 dogs or cats up to 35lbs each. The list price includes the share for the lot and ownership in the co-op, adding substantial long-term value and affordability to this waterfront opportunity. Optional furnishings may also be available, creating a truly turnkey Florida winter home or retirement retreat. This affordable luxury waterfront gem offers the rare opportunity to own beautifully updated waterfront property with direct Tampa Bay access in one of Florida’s most desirable active adult boating communities.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

960

Sqft

0 ac

Lot size

1971

Year built

One

Levels

$286

Per sqft

55+ communityPets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s)
LaundryLaundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMembrane · Metal · Roof Over
ConstructionVinyl Siding
FacesSouth
ExteriorStorage

Community & fees

HOA fee$410/mo
Taxes (2025)$4,603/yr
PetsCats OK, Dogs OK, Number Limit, Size Limit, Yes
CommunityCanal Front · Community Boat Ramp · Fishing · Marina · Private Boat Ramp · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Pool

Utilities & systems

UtilitiesPublic
WaterPublic

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.

$2,694 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,619
FHA mortgage insurance (est.)$122
Property tax — 2025 actual bill$384
HOA fee — from the listing$410
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,625Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,625
Interest rate6.00%
Loan term

Estimated payment

$2,694/mo

Principal & interest$1,619
FHA mortgage insurance (est.)$122
Property taxes (actual bill)$384
HOA / condo fee$410
Est. insurance$160

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

$286 vs $187

Days on market

76 vs 57 typical

Where $286/sqft sits among the 37 homes for sale in MOBEL AMERICANA MOBILE HOME PARK UNREC

7
5
8
4
6
7 · this home
$102–137$137–172$172–207$207–242$242–278$278+

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

Map of 7186 MOUNT ARLINGTON DRIVE NE UNIT 421 inside its neighborhood boundary

Drive times from this address

Downtown Tampa23 min
Tampa Int’l Airport (TPA)24 min

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

ElementaryShore Acres Elementary School★★★★
MiddleMeadowlawn Middle School★★★★★
HighNortheast High 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)

21 of 37

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 10% above the ST PETERSBURG 33702 median. See the full St Petersburg market guide →

Paper trail

This home's history

May 29, 2026Listed at $275,000 · 76 days on market since
1971Built · MOBEL AMERICANA MOBILE HOME PARK UNREC

Reality check

What actually sold near 7186 MOUNT ARLINGTON DRIVE NE UNIT 421

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

7002 MOUNT BRISTOL BOULEVARD NE UNIT 448Sold · Jun ’26

$135,000

7002 MOUNT BRISTOL BOULEVARD NE UNIT 448 · same community

2 bd · 2 ba · 960 sqft · $141/sqft · 138 DOM

7245 MOUNT FAIRFIELD ROAD NE UNIT 539Sold · Nov ’25

$130,000

7245 MOUNT FAIRFIELD ROAD NE UNIT 539 · same community

2 bd · 2 ba · 952 sqft · $137/sqft · 588 DOM

7250 MOUNT ARLINGTON DRIVE NE UNIT 427Sold · Dec ’25

$120,000

7250 MOUNT ARLINGTON DRIVE NE UNIT 427 · same community

2 bd · 1.5 ba · 972 sqft · $123/sqft · 41 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 7186 MOUNT ARLINGTON DRIVE NE UNIT 421 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 7186 MOUNT ARLINGTON DRIVE NE UNIT 421 — 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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Straight answers

7186 MOUNT ARLINGTON DRIVE NE UNIT 421 FAQs

What would the monthly payment be for 7186 MOUNT ARLINGTON DRIVE NE UNIT 421?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,694/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 7186 MOUNT ARLINGTON DRIVE NE UNIT 421?+

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 7186 MOUNT ARLINGTON DRIVE NE UNIT 421?+

The most recent tax bill on record (2025) was $4,603. 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 7186 MOUNT ARLINGTON DRIVE NE UNIT 421?+

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 $275,000, this home is listed about 36% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.

Which schools are assigned to 7186 MOUNT ARLINGTON DRIVE NE UNIT 421?+

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.

Listing courtesy of REAL BROKER, LLC · Katrina Madewell. MLS #TB8512421.

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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