4455 38TH TERRACE N UNIT B16, ST PETERSBURG, FL, 33714
Active30 days on marketListed Jul 14, 2026MLS #TB8528225
About this home
4455 38TH TERRACE N UNIT B16
Welcome home to this beautifully updated 2-bedroom, 1-bath condominium in the desirable Golden Gate community of St. Petersburg. This move-in ready residence features tasteful updates throughout, creating a bright and inviting space that's perfect for year-round living, a seasonal retreat, or an investment as you can rent it out immediately upon ownership. Golden Gate offers residents a low-maintenance lifestyle with community amenities that include a sparkling swimming pool, clubhouse, shuffleboard courts, beautifully maintained grounds, and plenty of guest parking. Enjoy the convenience of being just minutes from shopping, restaurants, grocery stores, medical facilities, and public transportation. You're also a short drive from vibrant Downtown St. Petersburg, award-winning Gulf beaches, Tampa International Airport, and numerous parks, golf courses, and entertainment venues, making it easy to experience the very best of Florida living.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
906
Sqft
1967
Year built
One
Levels
$166
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.
$1,270 /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
$1,270/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.
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
+52.4%
$/sqft vs St Petersburg actives
$166 vs $336
Days on market
30 vs 57 typical
Where $166/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 St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33714 — neighborhood snapshot
Population
20,103
Median age
40.9
Median income
$47,221
Median home value
$177,500
Avg household
2.41
Households w/ children
1,835
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)
225 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 25% below the ST PETERSBURG 33714 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4455 38TH TERRACE N UNIT B16
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$120,000
4455 38TH TERRACE N UNIT B10 · same community
2 bd · 1 ba · 890 sqft · $135/sqft · 3 DOM
Sold · Dec ’25$225,000
460 E 23rd St # 103, Hialeah FL 33013 · same community
2 bd · 2 ba · 870 sqft · $259/sqft · 15 DOM
Sold · Nov ’25$260,000
5758 20TH AVENUE N
2 bd · 1 ba · 893 sqft · $291/sqft · 185 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 4455 38TH TERRACE N UNIT B16 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4455 38TH TERRACE N UNIT B16 — 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
4455 38TH TERRACE N UNIT B16 FAQs
What would the monthly payment be for 4455 38TH TERRACE N UNIT B16?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,270/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 4455 38TH TERRACE N UNIT B16?+
The most recent tax bill on record (2025) was $1,927. 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 4455 38TH TERRACE N UNIT B16?+
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 $150,000, this home is listed about 65% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4455 38TH TERRACE N UNIT B16?+
Lealman Avenue Elementary School (elementary), Dixie M. Hollins High School (high), Pinellas Park 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 LIPPLY REAL ESTATE · Len Lipply. MLS #TB8528225.
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.
Never miss a listing
New St Petersburg homes, in your inbox
Like 4455 38TH TERRACE N UNIT B16 but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →