220 45TH AVENUE S, ST PETERSBURG, FL, 33705
Active145 days on marketListed Mar 23, 2026MLS #TB8489649
About this home
220 45TH AVENUE S
UPDATED COQUINA KEY HOME WITH BONUS ROOM, IMPACT WINDOWS & ROOM FOR A POOL — 2025 RENOVATIONS & MAJOR SYSTEM UPGRADES Located in the Coquina Key neighborhood of St. Petersburg, this updated home offers 3 bedrooms, 2 bathrooms, and a versatile bonus room across 1,535 square feet on a 65’ x 114’ lot. Renovated in 2025, the interior features a fully updated kitchen with new appliances, new flooring, and refreshed trim work, creating a clean and functional living space. The bonus room addition provides flexibility for a home office, media room, playroom, or additional living area, adapting easily to a variety of needs. Major improvements have already been completed, including impact-rated hurricane windows, a roof (2020), HVAC system (2021), and water heater (2025), offering long-term value and reduced maintenance concerns. The home is constructed of block and designed for durability and efficiency. The backyard offers a private setting lined with mature palms, with ample space to add a pool or expand outdoor living areas. A storage shed provides additional functionality for tools, equipment, or recreational gear. Large lot perfect for adding a pool. Conveniently located within 10 minutes of Publix, Sprouts, Starbucks, Kahwa Coffee, and Boyd Hill Nature Preserve, and approximately 15 minutes to Fort De Soto Park and Gulf beaches, this home provides easy access to both daily essentials and outdoor recreation. With updated systems, flexible space, and a central St. Petersburg location, this property presents a strong opportunity for a primary residence, seasonal use, or investment.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,535
Sqft
0.17 ac
Lot size
1957
Year built
One
Levels
$273
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.
$3,017 /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
$3,017/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
−7.8%
$/sqft vs St Petersburg actives
$273 vs $336
Days on market
145 vs 57 typical
Where $273/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 Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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)
230 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 43% above the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 220 45TH AVENUE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$120,000
200 45TH AVENUE S · same community
2 bd · 1 ba · 864 sqft · $139/sqft · 7 DOM
Sold · Nov ’25$510,000
1448 62ND PLACE S
3 bd · 2 ba · 1,545 sqft · $330/sqft · 9 DOM
Sold · Jul ’26$640,000
6311 BAHAMA SHORES DRIVE S
2 bd · 2.5 ba · 1,523 sqft · $420/sqft · 5 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 220 45TH AVENUE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 45TH AVENUE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
220 45TH AVENUE S FAQs
What would the monthly payment be for 220 45TH AVENUE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,017/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 220 45TH AVENUE S?+
The most recent tax bill on record (2025) was $2,461. 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 220 45TH AVENUE S?+
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 $419,000, this home is listed about 3% 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 220 45TH AVENUE S?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point Middle School (middle) — 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
$419,000 runs 43% above the ST PETERSBURG 33705 median.
02Time on market is leverage
145 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 $439,000, now $419,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE TENPENNY COLLECTION · Hanna Cozad. MLS #TB8489649.
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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