David Ramirez
$2,195,000$2,249,0004 bd4 ba3,673 sqft$598 /sqft$13,271 /mo all-in ↓

220 90TH AVENUE NE, ST PETERSBURG, FL, 33702

Active47 days on marketListed Jun 26, 2026MLS #TB8523597

Reduced $54KNew constructionWaterfrontSingle Family ResidenceSUN PLAZA ISLES

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

WaterfrontWater viewPets allowed

Inside

FlooringCeramic Tile · Engineered Hardwood · Epoxy · Porcelain Tile
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Exhaust Fan · Freezer · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Wine Refrigerator
InteriorCeiling Fan(s) · Elevator · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Split Bedroom · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Natural Gas

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Wood Frame
FoundationStem Wall
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener · Golf Cart Garage · Golf Cart Parking · Ground Level · Off Street · Oversized
ExteriorBalcony · Irrigation System · Outdoor Grill · Outdoor Kitchen · Private Yard · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$5,328/yr
PetsYes
CommunityCanal Front · Community Boat Ramp · Water Access · Golf Carts OK · Irrigation-Reclaimed Water · Playground

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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%

Principal & interest$11,844
PMI (est., until 20% equity)$823
Property tax — 2025 actual bill$444
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $219,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $219,500
Interest rate6.00%
Loan term

Estimated payment

$13,271/mo

Principal & interest$11,844
PMI (est., until 20% equity)$823
Property taxes (actual bill)$444
Est. insurance$160

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.

List $2.2M
$1.7MedgeAI estimate $2,558,244 · range $1.8M$2.8M$2.9M

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

136
137
58
28 · this home
11
30
$135–272$272–409$409–545$545–682$682–819$819+

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

Map of 220 90TH AVENUE NE inside its neighborhood boundary

Drive times from this address

Downtown Tampa19 min
Tampa Int’l Airport (TPA)20 min

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

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)

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

CurrentPrice reduced to $2,195,000 $54K
Jun 26, 2026Listed at $2,249,000 · 47 days on market since
2026Built · SUN PLAZA ISLES

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.

9453 TREASURE LANE NESold · Jul ’26

$699,000

9453 TREASURE LANE NE · same community

2 bd · 2 ba · 1,883 sqft · $371/sqft · 104 DOM

9571 SUN ISLE DRIVE NESold · May ’26

$880,000

9571 SUN ISLE DRIVE NE · same community

3 bd · 2 ba · 1,813 sqft · $485/sqft · 21 DOM

9630 TREASURE LANE NESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 220 90TH AVENUE NE — start here.

Andrew Acosta

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.

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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.

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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