412 HERMOSITA DRIVE, ST PETERSBURG, FL, 33706
Active33 days on marketListed Jul 9, 2026MLS #TB8527042
About this home
412 HERMOSITA DRIVE
Welcome to waterfront living on Hermosita’s renowned “Street of Dreams” in St. Pete Beach. Full of authentic Old Florida charm, this beautifully maintained 2-bedroom, 2-bath residence offers a relaxed coastal lifestyle with thoughtful updates throughout. A standout feature is the insulated, climate-controlled bonus room within the garage—ideal as a home office, guest room or hobby room. Most importantly, this home has NEVER experienced water intrusion or flooding, offering exceptional peace of mind for waterfront living. This property offers 70 feet of southwest-facing waterfront, spectacular sunset views, a private boat lift, and an updated dock (2015). Other aspects include terrazzo-based flooring through entire home, parquet flooring in the dining area, all-plaster walls, a welcoming eat-in kitchen, and a beautiful flagstone fireplace that adds warmth and character. Step outside to enjoy the true Florida lifestyle with a 25,000-gallon pool featuring solar heating panels (2024), a spacious covered pool patio, new backyard turf (2024), and a covered front entry through a private, fenced courtyard. The double-wide horseshoe driveway offers ample parking and enhances the home’s inviting curb appeal. Important updates include a new roof (2018), hurricane-impact windows (2018), new ductwork (2023), and a solar-powered attic fan. Whether you choose to preserve its authentic character or make it your own over time, this is a rare opportunity to own a well-cared-for waterfront home in one of St. Pete Beach’s most desirable neighborhoods.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,400
Sqft
0.19 ac
Lot size
2
Garage
1962
Year built
One
Levels
$946
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.
$9,418 /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
$9,418/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
+154.9%
$/sqft vs St Petersburg actives
$946 vs $327
Days on market
33 vs 57 typical
Where $946/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 Vina Del Mar
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Vina Del Mar — neighborhood snapshot
Population
1,068
Median age
62
Median income
$133,052
Median home value
$1,143,400
Avg household
2
Households w/ children
47%
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)
224 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 198% above the ST PETERSBURG 33706 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 412 HERMOSITA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$950,000
322 HERMOSITA DRIVE · same community
3 bd · 2 ba · 1,596 sqft · $595/sqft · 135 DOM
Sold · Apr ’26$1,650,000
253 HERMOSITA DRIVE · same community
3 bd · 2 ba · 2,140 sqft · $771/sqft · 58 DOM
Sold · Feb ’26$1,600,000
403 HERMOSITA DRIVE · same community
3 bd · 2.5 ba · 2,248 sqft · $712/sqft · 75 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 412 HERMOSITA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 412 HERMOSITA DRIVE — 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
412 HERMOSITA DRIVE FAQs
What would the monthly payment be for 412 HERMOSITA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,418/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 412 HERMOSITA DRIVE?+
The most recent tax bill on record (2025) was $19,334. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Petersburg?+
At $1,325,000, this home is listed about 205% 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 412 HERMOSITA DRIVE?+
Boca Ciega High School (high), Bay Point Middle School (middle), Azalea Elementary School (elementary) — 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
$1,325,000 runs 198% above the ST PETERSBURG 33706 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
Boca Ciega High School, Bay Point Middle School, Azalea Elementary School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,500,000, now $1,325,000 — a $175K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EQUITY REALTY SUNCOAST · Sav Todd. MLS #TB8527042.
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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