650 E HARBOR DRIVE S, ST PETERSBURG, FL, 33705
Pending123 days on marketListed Apr 6, 2026MLS #TB8494418
About this home
650 E HARBOR DRIVE S
Income Opportunity Near Downtown St. Petersburg! Solid concrete block duplex featuring Two 2-bedroom, 1-bath units plus a shared laundry/storage space—ideal for investors or owner-occupants looking to offset their mortgage. Unit #650 (Downstairs | 1,111 Sq Ft) has been recently updated and offers a spacious layout with fresh interior paint and new LVP wood-look flooring throughout. The brand-new kitchen showcases white shaker cabinetry and new countertops. Both bedrooms are generously sized and share an updated hall bathroom. Unit #652 (Upstairs | 720 Sq Ft) features a bright, open living area with wood-look flooring and a seamless flow into the kitchen. The kitchen provides solid wood cabinetry and ample counter space, while both bedrooms offer tile flooring and share a generous sized hall bath. A 168 sq ft shared utility room includes a full-size washer and dryer along with additional storage space. Tenants will also enjoy access to a fenced, shared backyard. Situated on a quiet dead-end street adjacent to Harbordale Park, this property offers easy access to green space and a nearby playground. Just minutes from downtown St. Petersburg, you’ll enjoy close proximity to shopping, dining, museums, nightlife, public transportation, and I-275. Whether you’re looking to expand your portfolio or live in one unit while renting the other, this is a fantastic opportunity in an up-and-coming area of St. Pete with strong long-term potential. Owner's flood insurance policy is assumable - $3,254 annual premium. Cash Offers Only.
Facts & features
The home at a glance
4
Bedrooms
1,831
Sqft
0.1 ac
Lot size
1960
Year built
Two
Levels
$137
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.
$2,119 /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
$2,119/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.
Where it sits
Inside Harbordale
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Harbordale — neighborhood snapshot
Population
370
Median age
14
Median income
$50,271
Median home value
$186,300
Avg household
4
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 → $420K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% below the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 650 E HARBOR DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 650 E HARBOR DRIVE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
650 E HARBOR DRIVE S FAQs
What would the monthly payment be for 650 E HARBOR DRIVE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,119/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 650 E HARBOR DRIVE S?+
The most recent tax bill on record (2025) was $4,517. 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 $250,000, this home is listed about 42% 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 650 E HARBOR DRIVE 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
Four things that matter here
01Under the ST PETERSBURG 33705 market on paper
$250,000 is 17% below the ST PETERSBURG 33705 median of $299,900, and at $137/sqft it sits under the St Petersburg average of $382.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
123 days on market against a St Petersburg median of 54 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $325,000, now $250,000 — a $75K cut. The full history is in the market section below.
Listing courtesy of ASSET MANAGEMENT REAL ESTATE · Darcie Wheeler. MLS #TB8494418.
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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