4834 WINDMILL PALM TERRACE NE, ST PETERSBURG, FL, 33703
Active48 days on marketListed Jun 25, 2026MLS #TB8523048
About this home
4834 WINDMILL PALM TERRACE NE
Price Repositioned! Exceptional opportunity to own a lakefront pool home in the 24/7 guard-gated community of Placido Bayou. This spacious 3-bedroom, 2-bath home with a dedicated office offers 2,260 square feet of well-designed living space, a split-bedroom floor plan, and peaceful waterfront views.Thoughtfully priced to reflect the opportunity for a new owner to personalize and update to their own style, this home is ideal for buyers looking to build equity in one of NE St. Petersburg's most desirable neighborhoods. Features include a birdcage-enclosed PebbleTec pool overlooking the lake, a wood-burning fireplace, granite kitchen countertops, Samsung range, KitchenAid refrigerator, built-in cabinetry, generous storage throughout, a spacious primary suite with walk-in closet, and an oversized two-car garage with a 3rd bay. Enjoy the security of a gated community while being just minutes from Coffee Pot Bayou, downtown St. Petersburg, waterfront parks, golf courses, Whole Foods, Publix, restaurants, three fitness centers within approximately one mile, tennis and pickleball courts just outside of the community making it easy to stay active and enjoy the NE St. Petersburg lifestyle. Don't miss this rare opportunity to purchase a waterfront home in Placido Bayou at an exceptional value and make it your own.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,260
Sqft
0.17 ac
Lot size
3
Garage
1992
Year built
One
Levels
$431
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.
$6,504 /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
$6,504/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
−9.3%
$/sqft vs PLACIDO BAYOU
$431 vs $424
Days on market
48 vs 58 typical
Where $431/sqft sits among the 10 homes for sale in PLACIDO BAYOU
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 Placido Bayou
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Placido Bayou — neighborhood snapshot
Population
1,374
Median age
58
Median income
$119,934
Median home value
$576,400
Avg household
2
Households w/ children
91%
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)
5 of 10
PLACIDO BAYOU have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 129% above the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4834 WINDMILL PALM TERRACE NE
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$905,000
772 LIVE OAK TERRACE NE · same community
4 bd · 3 ba · 2,301 sqft · $393/sqft · 32 DOM
Sold · Jul ’26$985,000
961 LIVE OAK AVENUE NE · same community
3 bd · 3 ba · 2,214 sqft · $445/sqft · 1 DOM
Sold · Apr ’26$1,085,000
1144 DARLINGTON OAK DRIVE NE · same community
4 bd · 3 ba · 2,346 sqft · $462/sqft · 21 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 4834 WINDMILL PALM TERRACE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4834 WINDMILL PALM TERRACE NE — 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
4834 WINDMILL PALM TERRACE NE FAQs
What would the monthly payment be for 4834 WINDMILL PALM TERRACE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,504/mo — principal and interest, the actual property-tax bill, the $169/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 4834 WINDMILL PALM TERRACE NE?+
The association fee works out to $169 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4834 WINDMILL PALM TERRACE NE?+
The most recent tax bill on record (2025) was $6,585. 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 4834 WINDMILL PALM TERRACE NE?+
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 $975,000, this home is listed about 124% above the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4834 WINDMILL PALM TERRACE NE?+
North Shore Elementary School (elementary), Northeast High School (high), Meadowlawn 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
01Positioned at the premium end
$975,000 runs 129% above the ST PETERSBURG 33703 median — but at 2,260 sqft it's also 67% 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.
03The price has already moved
Listed at $1,025,000, now $975,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LUXURY & BEACH REALTY INC · Carol Hasbrouck. MLS #TB8523048.
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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