209 NE LINCOLN CIRCLE N UNIT 109, ST PETERSBURG, FL, 33702
Active134 days on marketListed Apr 7, 2026MLS #TB8494786
About this home
209 NE LINCOLN CIRCLE N UNIT 109
55+ community. All occupants must be 55+. Welcome to Covington Court! This beautifully updated FIRST-floor CORNER unit is ready for immediate move in. Featuring 2 spacious bedrooms and 1.5 bathrooms, the home combines comfort with modern style. The primary suite has plenty of room that could easily fit a king sized bed, as well as a walk in closet and sliding doors that lead you to the Florida sun-room off the back. The kitchen has been tastefully renovated with brand-new white cabinetry, quartz countertops, and new appliances including a microwave and refrigerator. The open layout flows seamlessly into the living area, creating a bright and inviting space. Step outside and enjoy the community amenities just a short stroll away—a sparkling pool, lush central courtyard that features both charcoal and gas grills perfect for entertaining. Located only minutes from the 4th Street corridor’s restaurants, shops, and entertainment, just 10 minutes to vibrant Downtown St. Pete, and 20 minutes to the Gulf beaches, this condo offers the very best of the Florida lifestyle. SERVICE ANIMALS ONLY. Tenant pays electric. $150 application fee required by the HOA. 4 month to 12 month leases available.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
855
Sqft
0 ac
Lot size
1974
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$171 /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
$171/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $340
Days on market
134 vs 58 typical
Where $2/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 Mystic Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Mystic Lake — neighborhood snapshot
Population
813
Median age
36
Median income
$92,262
Median home value
$325,700
Avg household
2
Households w/ children
71%
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 99% below the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 209 NE LINCOLN CIRCLE N UNIT 109
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$124,000
4435 1ST STREET NE UNIT 205
2 bd · 1 ba · 845 sqft · $147/sqft · 27 DOM
Sold · Mar ’26$215,000
138 43RD AVENUE N
2 bd · 1 ba · 840 sqft · $256/sqft · 1 DOM
Sold · Nov ’25$295,000
131 44TH AVENUE N
2 bd · 1 ba · 828 sqft · $356/sqft · 142 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 209 NE LINCOLN CIRCLE N UNIT 109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 209 NE LINCOLN CIRCLE N UNIT 109 — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
209 NE LINCOLN CIRCLE N UNIT 109 FAQs
What would the monthly payment be for 209 NE LINCOLN CIRCLE N UNIT 109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $171/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 209 NE LINCOLN CIRCLE N UNIT 109?+
The listing reports pets: No. 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 $1,500, this home is listed about 100% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 209 NE LINCOLN CIRCLE N UNIT 109?+
Meadowlawn Middle School (middle), Shore Acres Elementary School (elementary), Northeast 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
01Under the ST PETERSBURG 33702 market on paper
$1,500 is 99% below the ST PETERSBURG 33702 median of $222,000, and at $2/sqft it sits under the St Petersburg average of $378.
02Time on market is leverage
134 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Meadowlawn Middle School, Shore Acres Elementary School, Northeast High School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN DWELLINGS · Alexa Dennis. MLS #TB8494786.
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.
Never miss a listing
New St Petersburg homes, in your inbox
Like 209 NE LINCOLN CIRCLE N UNIT 109 but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Julian to ping you on any price or status change →