556 MOUNT OAK AVENUE NE UNIT 738, ST PETERSBURG, FL, 33702
Active64 days on marketListed Jun 15, 2026MLS #TB8519300
About this home
556 MOUNT OAK AVENUE NE UNIT 738
Boaters, fisherman and nature lovers! Don't miss this custom-built 1996 2 bed/2 bath waterfront home with 1,300 sq ft of living space that overlooks a wide navigable saltwater canal to Tampa Bay with no bridges. Incredible views of mangroves and nature! Composite dock built in 2020 with 9,000 pound lift are included in price! No flooding inside of home during 2024 storms! This move-in ready home comes with many upgrades and features: 1)HVAC system in 2023 with 2024 ductwork. 2) 2023 TPO roof over keeps home cool.3) 2023 structurally engineered carport with extra parking with pavers completed in 2024. 4) Luxury wood-look laminate flooring in 2020 with tile in kitchen and baths. 2024 vapor barrier to protect the subflooring. 5) Large primary bedroom suite with large bath and walk-in shower. 6) Guest bath has tub and shower combo. 7) Generous guest bedroom. 8) Window coverings and decorator lights are included in price. 9) Large laundry room with washer and dryer and extra storage make clean-up easy. 9) Open floor plan with kitchen/dining/living/family room creates a spacious living area with 180 degree waterfront views! 10) Kitchen with lots of storage space has pass through to family room. Price includes share for the lot and ownership in the Co-op. Pets (dogs or cats) up to 35 pounds each are welcomed! Renting is allowed with 2-month minimum! Low monthly maintenance fee of $410 includes 24 manned gate, heated pool, clubhouse, fitness, billiards, two private boat ramps and kayak launch and so much more! Co-op maintains the concrete seawalls throughout the community making a great benefit for waterfront homes. Americana Cove is a popular 55+ factory built housing community located only 10 mins from downtown St. Petersburg, 20 mins to Downtown Tampa and 25 mins to Pinellas County beaches. I-275 is 5 mins away making commuting a breeze. 4th street shopping, dining and grocery are minutes away. If you've been pricing waterfront property, you know what a find this property is!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,296
Sqft
0.12 ac
Lot size
1996
Year built
One
Levels
$285
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.
$3,187 /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
$3,187/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
+27.2%
$/sqft vs MOBEL AMERICANA MOBILE HOME PARK UNREC
$285 vs $196
Days on market
64 vs 58 typical
Where $285/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)
20 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 49% 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 556 MOUNT OAK AVENUE NE UNIT 738
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$145,000
6714 AMERICANA DRIVE NE UNIT 183 · same community
3 bd · 2 ba · 1,296 sqft · $112/sqft · 45 DOM
Sold · Jul ’26$305,000
622 MOUNT OAK AVENUE NE UNIT 733 · same community
2 bd · 2 ba · 1,242 sqft · $246/sqft · 165 DOM
Sold · Sep ’25$255,000
210 MOUNT PINEY AVENUE NE UNIT 272 · same community
2 bd · 2 ba · 1,146 sqft · $223/sqft · 164 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 556 MOUNT OAK AVENUE NE UNIT 738 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 556 MOUNT OAK AVENUE NE UNIT 738 — 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
556 MOUNT OAK AVENUE NE UNIT 738 FAQs
What would the monthly payment be for 556 MOUNT OAK AVENUE NE UNIT 738?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,187/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 556 MOUNT OAK AVENUE NE UNIT 738?+
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 556 MOUNT OAK AVENUE NE UNIT 738?+
The most recent tax bill on record (2025) was $3,377. 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 556 MOUNT OAK AVENUE NE UNIT 738?+
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 $369,000, this home is listed about 15% 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 556 MOUNT OAK AVENUE NE UNIT 738?+
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
Three things that matter here
01Positioned at the premium end
$369,000 runs 49% 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.
Keep looking
Similar homes nearby
Listing courtesy of BAREFOOT REALTY GROUP · Charity Cicardo. MLS #TB8519300.
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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