2845 64TH TERRACE S, ST PETERSBURG, FL, 33712
Active192 days on marketListed Feb 4, 2026MLS #TB8472109
About this home
2845 64TH TERRACE S
Discover this beautifully renovated 4-bedroom, 2-bathroom SANCTUARY, perfectly situated on a spacious, fully fenced lot in a NO FLOOD ZONE. Offering 1294 sq. ft. of thoughtfully designed living space, this move-in-ready home blends modern style with everyday comfort—just minutes from award-winning Gulf Beaches and vibrant Downtown St. Petersburg. The heart of the home is a stunning designer kitchen featuring sleek modern cabinetry, luxurious quartz countertops, premium stainless-steel appliances, and a breakfast bar ideal for casual dining. Brand-new luxury vinyl flooring flows throughout the living spaces, creating a seamless and inviting atmosphere. The serene primary suite offers a beautifully updated bathroom with a walk-in shower, modern vanity, and built in closet. Three additional bedrooms and a second fully renovated bathroom provide flexibility for family, guests, or a home office. Step outside to enjoy year-round Florida living in your private backyard oasis. A screened-in lanai with a built-in bar, fully fenced yard, and storage shed create the perfect setting for entertaining or unwinding. The oversized one-car garage and generous driveway offer ample parking and storage options. With its prime location near beaches, dining, shopping, and cultural attractions, this home delivers the ideal balance of tranquility and convenience. Don’t miss your chance to experience coastal living at its finest. Your dream home awaits—schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,294
Sqft
0.17 ac
Lot size
1
Garage
1956
Year built
One
Levels
$301
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.
$2,801 /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
$2,801/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
+13.2%
$/sqft vs St Petersburg actives
$301 vs $340
Days on market
192 vs 57 typical
Where $301/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 Greater Pinellas Point
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Greater Pinellas Point — neighborhood snapshot
Population
17,370
Median age
45
Median income
$64,146
Median home value
$299,751
Avg household
2
Households w/ children
1,896
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)
228 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 16% above the ST PETERSBURG 33712 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 2845 64TH TERRACE S
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$479,000
2860 64TH TERRACE S · same community
3 bd · 2 ba · 1,411 sqft · $339/sqft · 10 DOM
Sold · Dec ’25$424,000
1701 PINELLAS POINT DRIVE S
3 bd · 2 ba · 1,315 sqft · $322/sqft · 42 DOM
Sold · Feb ’26$495,000
2363 68TH AVE S
3 bd · 2 ba · 1,377 sqft · $359/sqft · 54 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2845 64TH TERRACE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2845 64TH TERRACE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2845 64TH TERRACE S FAQs
What would the monthly payment be for 2845 64TH TERRACE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,801/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 2845 64TH TERRACE S?+
The most recent tax bill on record (2024) was $2,077. 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 $389,999, this home is listed about 10% below the St Petersburg median of $431,250. The market section on this page shows how the area is trending.
Which schools are assigned to 2845 64TH TERRACE S?+
Maximo 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.
The brief
Three things that matter here
01Positioned at the premium end
$389,999 runs 16% above the ST PETERSBURG 33712 median.
02Time on market is leverage
192 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $475,000, now $389,999 — a $85K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SANCTUARY REAL ESTATE GROUP, LLC · Stephanie Bell. MLS #TB8472109.
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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