3963 NEPTUNE DRIVE SE, ST PETERSBURG, FL, 33705
Active37 days on marketListed Jul 7, 2026MLS #TB8526721
About this home
3963 NEPTUNE DRIVE SE
BACK ON MARKET. NO FAULT OF SELLER OR PROPERTY. Rare opportunity to build your dream home in the highly desirable Coquina Key neighborhood of St. Petersburg. This cleared residential lot offers a generous 76x99 footprint with approximately 7,388 square feet, giving buyers flexibility to design a beautiful new single-family residence that fits the character of the surrounding neighborhood. Whether you envision a classic Florida ranch-style home similar to the original residence, a thoughtfully updated coastal bungalow, or a larger custom build, this property presents an incredible chance to create something special in an established waterfront community. Located on a quiet residential street surrounded by single-family homes, mature landscaping, and tropical palms, this lot offers the ideal setting for those seeking the St. Pete lifestyle. Enjoy close proximity to downtown St. Petersburg, waterfront parks, boat ramps, marinas, the St. Pete Pier, beaches, dining, shopping, and major commuter routes. The previous home has been removed, saving buyers time and cost in the redevelopment process. Coquina Key continues to be one of St. Petersburg’s most sought-after neighborhoods, offering island living with unbeatable access to the best of Tampa Bay. Buyer to verify all zoning, setbacks, building requirements, utilities, flood zone, elevation requirements, and permitted uses with the City of St. Petersburg and appropriate agencies. Build your next home or investment property in one of St. Pete’s most convenient coastal communities.
Facts & features
The home at a glance
0.17 ac
Lot size
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.
$1,966 /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
$1,966/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.
Where it sits
Inside Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% below the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 3963 NEPTUNE DRIVE SE
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$180,000
4151 NEPTUNE DRIVE SE · same community
2 bd · 1 ba · 642 sqft · $280/sqft · 21 DOM
Sold · Apr ’26$309,000
4332 COBIA DRIVE SE · same community
3 bd · 1 ba · 985 sqft · $314/sqft · 42 DOM
Sold · May ’26$350,000
4420 NEPTUNE DRIVE SE · same community
2 bd · 1.5 ba · 1,106 sqft · $316/sqft · 3 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 3963 NEPTUNE DRIVE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3963 NEPTUNE DRIVE SE — 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
3963 NEPTUNE DRIVE SE FAQs
What would the monthly payment be for 3963 NEPTUNE DRIVE SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,966/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 3963 NEPTUNE DRIVE SE?+
The most recent tax bill on record (2025) was $7,621. 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 3963 NEPTUNE DRIVE SE?+
The listing reports pets: Cats OK, Dogs OK, 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 $185,000, this home is listed about 57% 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 3963 NEPTUNE DRIVE SE?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of NORTHSTAR REALTY · Genesis Martinez. MLS #TB8526721.
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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