490 87TH AVENUE NORTH, ST PETERSBURG, FL, 33702
Active294 days on marketListed Oct 28, 2025MLS #TB8441525
About this home
490 87TH AVENUE NORTH
One or more photo(s) has been virtually staged. Incredible 4.99% rates! Unlock luxury living and an unbeatable deal. Terraces at 87th’s preferred lender is offering an unbeatable 4.99% interest rate. Opportunities like this don’t come often! Welcome to the newly completed Terraces at 87th, an exclusive townhome community, where luxury and convenience come together! Designed for modern living, these maintenance-free homes feature resort-style amenities, including a community pool, dog park, fire pits, grilling stations, and a relaxing lounge area—perfect for enjoying the Florida lifestyle. Each home offers spaciousness and premium details, with an expansive 4-car garage that provides unmatched space for all your vehicles, toys, and storage needs. Plus, the garages are pre-wired for electric car charging, making them future-ready. Inside, you'll find a thoughtfully-designed, single-level floor plan with an open-concept living area, abundant natural light, and 9-foot ceilings. The kitchen, perfect for entertaining, features 42-inch cabinetry, a waterfall island, and gas stainless steel appliances. The owner’s suite offers a private retreat with a walk-in closet, morning bar, and a spa-like walk-in shower. Each home also features a private rooftop terrace, perfect for relaxing or entertaining, with options like a jacuzzi tub, summer kitchen, or solar panels. Experience the best in luxury living with this highly amenitized community! Contact us to learn more and schedule your visit.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,976
Sqft
0.06 ac
Lot size
4
Garage
2024
Year built
Two
Levels
$420
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 and the real association fee — not generic estimates.
$6,348 /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
$6,348/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.
$/sqft vs St Petersburg actives
$420 vs $344
Days on market
294 vs 57 typical
Where $420/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 33702 — neighborhood snapshot
Population
31,233
Median age
42.9
Median income
$65,503
Median home value
$293,700
Avg household
2.18
Households w/ children
2,810
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)
233 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 235% 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 490 87TH AVENUE NORTH
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$575,000
459 NORTHMOOR AVENUE N
4 bd · 3 ba · 2,035 sqft · $283/sqft · 1 DOM
Sold · Jul ’26$300,000
383 MOUNT RICHMOND AVENUE NE UNIT 339
3 bd · 2 ba · 1,914 sqft · $157/sqft · 129 DOM
Sold · Dec ’25$410,000
6756 19TH STREET N
4 bd · 2 ba · 1,878 sqft · $218/sqft · 72 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 490 87TH AVENUE NORTH — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 490 87TH AVENUE NORTH — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
490 87TH AVENUE NORTH FAQs
What would the monthly payment be for 490 87TH AVENUE NORTH?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,348/mo — principal and interest, the actual property-tax bill, the $392/mo association fee 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.
How much are the HOA fees at 490 87TH AVENUE NORTH?+
The association fee works out to $392 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 490 87TH AVENUE NORTH?+
The most recent tax bill on record (2024) was $12,144. 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 490 87TH AVENUE NORTH?+
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 $829,000, this home is listed about 90% above the St Petersburg median of $436,900. The market section on this page shows how the area is trending.
Which schools are assigned to 490 87TH AVENUE NORTH?+
Sawgrass Lake 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.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Justin Smith. MLS #TB8441525.
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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