
220 90TH AVENUE NE, ST PETERSBURG, FL, 33702
Active47 days on marketListed Jun 26, 2026MLS #TB8523597
About this home
220 90TH AVENUE NE
Virtually Staged. NOW COMPLETE & MOVE-IN READY | PRIVATE WATERFRONT SEAWALL PARCEL INCLUDED. BUILDER IS CURRENTLY OFFERING RATE BUYDOWN INCENTIVES! Experience the best of St. Petersburg waterfront living with this exceptional custom-built residence by Southerlyn Homes, offering 3,673 square feet of elevated luxury plus a separately deeded waterfront seawall parcel directly across the street. With approximately 54 feet of private concrete seawall and the ability to build a custom dock, you'll enjoy direct access to Riviera Bay and Tampa Bay beyond. Whether you're heading out for a day on the water, paddleboarding through the bay, watching dolphins and manatees, or enjoying breathtaking sunsets from your front porch, this property delivers a waterfront lifestyle rarely found with new construction. Designed in a timeless coastal style, this thoughtfully crafted 4-bedroom, 4-bath residence blends quality construction with modern luxury. Hardie siding, impact-rated windows and doors, spray foam insulation, high-efficiency, variable speed HVAC systems, a tankless gas water heater, and a prewired elevator shaft provide exceptional durability, efficiency, and flexibility for years to come. A welcoming foyer opens to light-filled living spaces where soaring ceilings, wide-plank wood flooring, expansive windows, and designer finishes create an inviting atmosphere throughout. Designed for both everyday living and entertaining, the open-concept great room flows seamlessly into the gourmet kitchen, featuring an oversized quartz island, custom cabinetry, premium appliances, a walk-in pantry, and a butler's pantry with built-in wine refrigeration. Outdoor living extends effortlessly from the main living area to the spacious covered lanai overlooking the backyard, with ample room for a custom pool. A first-floor guest suite offers flexibility for visitors, multigenerational living, or a private home office. Upstairs, the spacious primary retreat features a covered balcony, an oversized walk-in closet, and a spa-inspired bath with dual vanities, a freestanding soaking tub, and a walk-in shower. Two additional bedrooms connected by a Jack-and-Jill bath, a fourth full bathroom, and a centrally located laundry room complete the second floor. Multiple covered porches invite you to enjoy coastal breezes and water views throughout the day, while the oversized three-car garage provides abundant space for vehicles, golf carts, paddleboards, kayaks, and all of your boating gear. Just steps from your front door, your private waterfront seawall parcel offers approximately 54 feet of shoreline, ready for the custom dock that best suits your boating lifestyle. Launch into Riviera Bay, explore Tampa Bay by boat, spend the afternoon fishing or paddleboarding, or simply relax along the water's edge as dolphins and manatees become part of everyday life. Situated in one of St. Petersburg's most sought-after waterfront communities, you're just minutes from vibrant downtown St. Petersburg, award-winning Gulf beaches, waterfront parks, dining, shopping, Tampa International Airport, and top-rated schools. Riviera Bay is known for its strong sense of community, offering a community boat ramp, two waterfront parks, and festive golf cart and boat parades during the holidays.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,673
Sqft
0.19 ac
Lot size
3
Garage
2026
Year built
Three Or More
Levels
$598
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 — not generic estimates.
$13,271 /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
$13,271/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
−14.2%
$/sqft vs St Petersburg actives
$598 vs $336
Days on market
47 vs 58 typical
Where $598/sqft sits among the 400 St Petersburg 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 Riviera Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Riviera Bay — neighborhood snapshot
Population
3,650
Median age
49
Median income
$114,177
Median home value
$430,807
Avg household
2
Households w/ children
376
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)
228 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 778% 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 220 90TH AVENUE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$699,000
9453 TREASURE LANE NE · same community
2 bd · 2 ba · 1,883 sqft · $371/sqft · 104 DOM
Sold · May ’26$880,000
9571 SUN ISLE DRIVE NE · same community
3 bd · 2 ba · 1,813 sqft · $485/sqft · 21 DOM
Sold · Aug ’25$395,000
9630 TREASURE LANE NE · same community
3 bd · 2 ba · 1,681 sqft · $235/sqft · 0 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 220 90TH AVENUE NE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 90TH AVENUE 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
220 90TH AVENUE NE FAQs
What would the monthly payment be for 220 90TH AVENUE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,271/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 220 90TH AVENUE NE?+
The most recent tax bill on record (2025) was $5,328. 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 220 90TH AVENUE 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 $2,195,000, this home is listed about 405% 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 220 90TH AVENUE NE?+
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
$2,195,000 runs 778% above the ST PETERSBURG 33702 median — but at 3,673 sqft it's also nearly 3 times the size of 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.
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 $2,249,000, now $2,195,000 — a $54K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LIST WITH BEGGINS · Ashley Russell. MLS #TB8523597.
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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