120 81ST AVENUE NE, ST PETERSBURG, FL, 33702
Active23 days on marketListed Jul 22, 2026MLS #TB8531165
About this home
120 81ST AVENUE NE
Welcome to Rio Vista, one of St. Petersburg’s most desirable neighborhoods, where convenience, recreation, and coastal living come together. Ideally located near Weedon Island and Riviera Bay, this home offers easy access to fishing, kayaking, canoeing, and other outdoor activities, while remaining just minutes from dining, shopping, beautiful Gulf beaches, major roadways, and the vibrant downtown St. Petersburg waterfront. Situated on a spacious corner lot, this property features a generous backyard designed for entertaining and everyday enjoyment. The centerpiece is a stunning saltwater pool measuring 16’ x 33’ with an impressive 8.5-foot depth, a premium Pebble Tec and shell interior finish, and recently updated with a new salt cell and control system. Inside, elegant double front doors welcome you into a spacious and inviting floor plan. The family room features a cozy fireplace, creating the perfect setting for relaxing evenings. The kitchen offers abundant counter space and overlooks both the dining area and backyard, making it ideal for entertaining family and friends. The primary suite provides a private retreat with double doors leading directly to the pool area, a remote-controlled ceiling fan, a walk-in closet, and a beautifully remodeled en-suite bathroom. Additional highlights include a roof replaced approximately five years ago with durable modified bitumen roofing, a two-car garage, and a large Quonset hut-style storage building in the backyard, offering exceptional space for storage, hobbies, or a workshop. The home is currently receiving the finishing touches in the kitchen and one of the bathrooms, providing an excellent opportunity for the next owner to add their own personal style and finishing details. Don’t miss this exceptional opportunity to own a home in the highly sought-after Rio Vista community and enjoy the best of St. Petersburg living.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,872
Sqft
0.26 ac
Lot size
2
Garage
1956
Year built
One
Levels
$329
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.
$4,239 /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
$4,239/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
−23.1%
$/sqft vs RIO VISTA
$329 vs $332
Days on market
23 vs 58 typical
Where $329/sqft sits among the 15 homes for sale in RIO VISTA
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)
8 of 15
RIO VISTA have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 143% 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 120 81ST 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 · Nov ’25$571,000
130 80TH AVENUE NE · same community
3 bd · 2.5 ba · 1,956 sqft · $292/sqft · 213 DOM
Sold · Jan ’26$525,000
226 81ST AVENUE N · same community
4 bd · 2 ba · 1,968 sqft · $267/sqft · 4 DOM
Sold · Nov ’25$540,000
4208 N HOWARD AVENUE · same community
3 bd · 2 ba · 1,594 sqft · $339/sqft · 33 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 120 81ST AVENUE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 81ST 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
120 81ST AVENUE NE FAQs
What would the monthly payment be for 120 81ST AVENUE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,239/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 120 81ST AVENUE NE?+
The most recent tax bill on record (2025) was $6,360. 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 120 81ST 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 $615,000, this home is listed about 41% 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 120 81ST 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
Three things that matter here
01Positioned at the premium end
$615,000 runs 143% above the ST PETERSBURG 33702 median — but at 1,872 sqft it's also 39% larger than the typical St Petersburg listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
Keep looking
Similar homes nearby
Listing courtesy of FISHER & ASSOCIATES REAL ESTATE · David Adkins. MLS #TB8531165.
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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