612 105TH TERRACE N, ST PETERSBURG, FL, 33716
Active6 days on marketListed Oct 15, 2026MLS #TB8496308
About this home
612 105TH TERRACE N
* * HOME HAS JUST BEEN COMPLETELY REFRESHED * * Step into coastal-inspired living with this charming 3-bedroom, 2.5-bath Mediterranean-style townhome in the heart of St. Petersburg. Blending timeless architecture with everyday comfort, this residence offers a spacious layout perfect for both relaxing and entertaining. Inside, you’ll find an inviting living area filled with natural light, complemented by warm finishes and an easy flow into the dining space and kitchen. The kitchen features ample cabinetry and stone counters. Upstairs, three well-sized bedrooms provide flexibility for family, guests, or a home office. Enjoy the convenience of a 2-car garage, offering plenty of storage and secure parking. The home’s Mediterranean design adds curb appeal with classic stucco finishes and a welcoming exterior, complete with second story rear balcony! * * FANTASTIC LOCATION * * Located in the desirable Gateway area of St. Petersburg, 612 105th Terrace N offers convenient access to a variety of shopping, dining, entertainment, and everyday essentials. Residents can enjoy nearby shopping destinations including Ibis Walk, Gateway Crossings, and Bayview Plaza, offering a selection of retail stores, restaurants, and convenient services. The surrounding area features grocery shopping, fitness facilities, pharmacies, banking, and other everyday conveniences. Nearby 4th Street North and Dr. Martin Luther King Jr. Street North provide access to an extensive selection of businesses and services, while convenient access to Gandy Boulevard and Interstate 275 makes commuting to downtown St. Petersburg, Tampa, and surrounding communities easy. The location combines the convenience of an established commercial district with access to the greater Tampa Bay area's recreational opportunities, waterfront destinations, and entertainment. * * PLEASE NOTE * * It is buyer's responsibility to verify all information. Information posted in MLS or any marketing information is not guaranteed.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,805
Sqft
0.03 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$180
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.
$3,505 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,505/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−14.6%
$/sqft vs St Petersburg actives
$180 vs $324
Days on market
6 vs 66 typical
Where $180/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 33716 — neighborhood snapshot
Population
18,995
Median age
33.7
Median income
$73,576
Median home value
$163,500
Avg household
1.82
Households w/ children
1,432
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
95.9%
Sale-to-list ratio (12 mo)
232 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 117% above the ST PETERSBURG 33716 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 612 105TH TERRACE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$425,000
323 FREEPORT AVENUE NE
4 bd · 3 ba · 1,807 sqft · $235/sqft · 37 DOM
Sold · Nov ’25$525,000
601 RIVIERA BAY DRIVE NE
3 bd · 2 ba · 1,830 sqft · $287/sqft · 158 DOM
Sold · Jan ’26$528,000
1500 86TH AVENUE N
4 bd · 2 ba · 1,761 sqft · $300/sqft · 51 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 612 105TH TERRACE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 612 105TH TERRACE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
612 105TH TERRACE N FAQs
What would the monthly payment be for 612 105TH TERRACE N?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,505/mo — principal and interest, the actual property-tax bill, the $420/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 612 105TH TERRACE N?+
The association fee works out to $420 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 612 105TH TERRACE N?+
The most recent tax bill on record (2025) was $6,599. 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 612 105TH TERRACE N?+
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 $325,000, this home is listed about 23% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 612 105TH TERRACE N?+
Pinellas Central Elementary School (elementary), Pinellas Park High School (high), FitzGerald 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
$325,000 runs 117% above the ST PETERSBURG 33716 median — but at 1,805 sqft it's also 37% larger than the typical St Petersburg listing.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 6 days on market in a St Petersburg market that averages 66 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ELITE REALTY · Matthew Brashear. MLS #TB8496308.
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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