
4424 45TH STREET S, ST PETERSBURG, FL, 33711
Active23 days on marketListed Jul 22, 2026MLS #TB8531488
About this home
4424 45TH STREET S
SALT WATER PARADISE, REIMAGINED! A Boater's Dream on A+ Water in Broadwater, with a BRAND NEW 2026 Dock and DUAL Boat Lifts! This fully renovated waterfront pool home sits on 80ft of seawall with deep sailboat water and quick, no-bridge access to the Intracoastal, Boca Ciega Bay and the Gulf of Mexico. The all-new 394sqft composite dock (2026) rides on 22 wrapped pilings and features TWO boat lifts, a 10,000lb. and a newly added 7,000lb., both wired with 30/50 amp service, water and 110V outlets for larger vessels. Broadwater is prized for its excellent boating/fishing water, the Skyway Marina District, and easy access to Fort De Soto, downtown St. Pete, Tampa, and the beaches. An ENTERTAINER'S DREAM! Dock the boat and walk guests straight to the party. Mix drinks at the wine bar off the kitchen, host at the fully equipped bonus room bar with kegerator, icemaker and dual beverage fridges, then spill out to the pergola by the pool, wired with fans and lighting, for sunset dinners and gatherings that flow effortlessly from indoors to out. Storm-hardened and move-in ready: hurricane-rated tile roof (2018), impact Pella windows, hurricane garage doors, an upgraded 400amp electrical service with whole-home surge protection, and interconnected smoke/CO detectors with AFCI protection. New Provia hurricane exterior doors and kitchen window (2025). The pool has been converted to saltwater with a new filter, pump and controller, plus a solar heater/cooler. Mature palm landscaping and a new stamped concrete driveway complete the curb appeal. Easy-flowing split floor plan with 5 bedrooms, 3 baths, an open living/dining/kitchen area with skylight and fireplace, a 5th bedroom currently used as an office, oversized inside laundry, an inside grill, and a spacious primary suite with two walk-in closets and a spa-like bath. Kitchen features granite counters, wood cabinetry, stainless appliances, glass tile backsplash and a breakfast bar. Travertine flows throughout. Nearly $300,000 invested since 2018, including a new whole-home A/C duct system, heat pump and air handler, water heater with 12-year warranty, water softener, UVC air purification, hot water recirculation and irrigation. A rare, turnkey waterfront estate on A+ boating water. Come live the Florida waterfront lifestyle!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,264
Sqft
0.28 ac
Lot size
2
Garage
1978
Year built
One
Levels
$567
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.
$12,828 /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
$12,828/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
+17.4%
$/sqft vs St Petersburg actives
$567 vs $336
Days on market
23 vs 58 typical
Where $567/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 Broadwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Broadwater — neighborhood snapshot
Population
1,173
Median age
60
Median income
$81,118
Median home value
$565,300
Avg household
2
Households w/ children
40%
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)
227 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 487% above the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4424 45TH STREET S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,035,000
4160 39TH STREET S
4 bd · 3 ba · 3,191 sqft · $324/sqft · 9 DOM
Sold · May ’26$2,500,000
6191 51ST STREET S
4 bd · 5 ba · 3,385 sqft · $739/sqft · 40 DOM
Sold · Apr ’26$1,000,000
4531 44TH STREET S
5 bd · 2.5 ba · 3,082 sqft · $324/sqft · 316 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 4424 45TH STREET S — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4424 45TH STREET S — 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
4424 45TH STREET S FAQs
What would the monthly payment be for 4424 45TH STREET S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,828/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 4424 45TH STREET S?+
The most recent tax bill on record (2025) was $23,895. 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 $1,850,000, this home is listed about 325% 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 4424 45TH STREET S?+
Gulfport Montessori Elementary School (elementary), Bay Point Middle School (middle), Lakewood High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Aline Sarria. MLS #TB8531488.
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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