9640 45TH STREET N, PINELLAS PARK, FL, 33782
Active52 days on marketListed Jun 3, 2026MLS #TB8515432
About this home
9640 45TH STREET N
DIAMOND IN THE ROUGH! CASH ONLY! Strictly sold AS IS - FIXER-UPPER - large 1,587 htd. sqft "Eden Model" (floor plan attached) block home in desirable 55+ Mainlands of Tamarac By the Gulf (Unit 1-B) on corner lot, located close to entrance, Clubhouse with pool, and golf course, NO FLOOD ZONE. The HOA is responsible for the tile roof (2000) and NEW ROOF IS CONTRACTED FOR by August 2026 (no assessment) - roof is still watertight. Rules: 2 extra large pets ok, 3-months minimum rental - once a year. New owners need to own at least for 1 year before they can rent the property. Low $488.32 monthly fee includes: water, sewer, trash, basic cable, all common areas & taxes, Clubhouse with pool, roads, lawncare, and more. Home features all NEWER WINDOWS, HURRICANE SHUTTERS, A/C in 2017 but will NEED ENTIRE INTERIOR UPDATES plus new garage door - no seller's disclosure available as PoA has never occupied the property. Master bedroom features its own bath with shower and a spacious walk-in closet. Come, hurry, take a look, check with the HOA, RUN YOUR NUMBERS and make a cash offer TODAY! Inspection MUST be conducted before offer is negotiated Take note: 0 Day Inspection period - utilities are on. Earnest money MUST ACCOMPANY THE CONTRACT.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,587
Sqft
0.13 ac
Lot size
1
Garage
1969
Year built
One
Levels
$135
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.
$2,120 /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
$2,120/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.
vs edgeAI estimate
−28.1%
$/sqft vs Pinellas Park actives
$135 vs $223
Days on market
52 vs 42 typical
Where $135/sqft sits among the 222 Pinellas Park 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 Mainlands Of Tamarac By The Gulf
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Pinellas Park. See the full Pinellas Park guide →
Mainlands Of Tamarac By The Gulf — neighborhood snapshot
Population
2,997
Median age
71
Median income
$49,827
Median home value
$243,951
Avg household
2
Households w/ children
95%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Pinellas Park market
$287K → $325K
Pinellas Park median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
107 of 222
Pinellas Park actives have cut their price
Median sold price, Pinellas Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% below the PINELLAS PARK 33782 median. See the full Pinellas Park market guide →
Paper trail
This home's history
Reality check
What actually sold near 9640 45TH STREET N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$255,000
4515 98TH TERRACE N · same community
2 bd · 2 ba · 1,587 sqft · $161/sqft · 1 DOM
Sold · Apr ’26$243,000
9460 45TH WAY N · same community
2 bd · 2 ba · 1,576 sqft · $154/sqft · 243 DOM
Sold · Apr ’26$282,500
9500 45TH WAY N · same community
2 bd · 2 ba · 1,598 sqft · $177/sqft · 45 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 9640 45TH STREET N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9640 45TH STREET N — 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
9640 45TH STREET N FAQs
What would the monthly payment be for 9640 45TH STREET N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,120/mo — principal and interest, the actual property-tax bill, the $488/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 9640 45TH STREET N?+
The association fee works out to $488 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9640 45TH STREET N?+
The most recent tax bill on record (2025) was $1,339. 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 9640 45TH STREET N?+
The listing reports pets: Cats OK, Dogs OK. 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 Pinellas Park?+
At $215,000, this home is listed about 28% below the Pinellas Park median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9640 45TH STREET N?+
Pinellas Central Elementary School (elementary), Pinellas Park High School (high), FitzGerald 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
01Under the PINELLAS PARK 33782 market on paper
$215,000 is 28% below the PINELLAS PARK 33782 median of $299,450, and at $135/sqft it sits under the Pinellas Park average of $222.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $250,000, now $215,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY CONCEPTS OF PINELLAS · Lucy Scheuringer. MLS #TB8515432.
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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