990 SAN CARLOS COURT NE, ST PETERSBURG, FL, 33702
Active64 days on marketListed Jun 19, 2026MLS #TB8521003
About this home
990 SAN CARLOS COURT NE
Your Turnkey, High-and-Dry Boating & Pool Oasis Awaits in Caya Costa! Escape to the ultimate low-maintenance coastal lifestyle in NE St. Petersburg’s premier 24/7 guard-gated community. A private, sparkling backyard pool is a rare and highly coveted luxury for a townhome in this price tier. Beautifully updated, this 3-bed, 3-full bath, 1-car garage residence is built for seamless indoor-outdoor Florida living. Whether you are hosting a weekend poolside barbecue, relaxing on your screened porch, or taking a refreshing dip after a day on the open water, your backyard is your own personal resort. While located in a flood zone AE, Caya Costa offers unmatched peace of mind: the homes are built high, and this community experienced zero damage to living spaces during recent historic 100-year storm events, with water never getting close to the living areas. For boating enthusiasts, the lifestyle here is unmatched. Leave the expensive marina fees behind: the community features a private boat ramp and a secure, fenced boat storage yard exclusively for your trailers, boats, jet skis, or kayaks. Spend your morning cruising the bay, fish off the community pier on the canal, play a match on the lined tennis and pickleball courts, or double down on relaxation at the massive community pool and hot tub. An incredibly robust HOA fee covers everything for effortless lock-and-leave living: full lawn mowing and front shrub care, reclaimed irrigation water and sprinkler maintenance, roof replacement (every 20 years, replaced in 2020) and leak maintenance, annual pressure washing, gutter cleaning, exterior painting every 7 years, and recently repaved cul-de-sacs (2025/2026). HVAC 2020, Hurricane Impact Sliders, Granite Counters in Baths and Kitchen, Custom Double Front Doors. New Dishwasher, Cooktop, Disposal, Pool Pump, and Garage Door in 25/26. This home is a perfect match for local and national buyers alike. Whether you are looking for a dramatic space-per-dollar reset from high-cost metros like Manhattan (10023), DC (20007), or Chicago (60614), a cross-bay value upgrade from South Tampa (33611), or a lower-maintenance lateral move within NE St. Pete (33702/33703), this property resolves all your lifestyle and logistical needs in a single decision. Enjoy premium daily convenience just 10 minutes from Whole Foods, Trader Joe’s, and the Carillon Business Center. Relocating professionals will love the immediate proximity to major employment hubs like Raymond James, Franklin Templeton, Jabil, Power Design and Johns Hopkins, with seamless highway access to Downtown St. Pete (15 mins), Downtown Tampa (15 Mins), and Tampa International Airport (20 mins). Don't wait—schedule your private tour today and start living the maintenance-free pool and waterfront lifestyle you've been searching for.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,796
Sqft
0.1 ac
Lot size
1
Garage
1986
Year built
Two
Levels
$321
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.
$4,572 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,572/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs St Petersburg actives
$321 vs $343
Days on market
64 vs 57 typical
Where $321/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 Riviera Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Riviera Bay — neighborhood snapshot
Population
3,650
Median age
49
Median income
$114,177
Median home value
$430,807
Avg household
2
Households w/ children
376
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)
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 162% above the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 990 SAN CARLOS COURT NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$695,000
1052 SANABEL COURT NE · same community
3 bd · 3 ba · 1,796 sqft · $387/sqft · 4 DOM
Sold · Apr ’26$362,000
836 AMELIA COURT NE · same community
3 bd · 3 ba · 1,796 sqft · $202/sqft · 124 DOM
Sold · Apr ’26$635,000
978 SAN CARLOS COURT NE · same community
2 bd · 2 ba · 1,722 sqft · $369/sqft · 38 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 990 SAN CARLOS COURT NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 990 SAN CARLOS COURT NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
990 SAN CARLOS COURT NE FAQs
What would the monthly payment be for 990 SAN CARLOS COURT NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,572/mo — principal and interest, the actual property-tax bill, the $721/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 990 SAN CARLOS COURT NE?+
The association fee works out to $721 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 990 SAN CARLOS COURT NE?+
The most recent tax bill on record (2025) was $4,329. 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 990 SAN CARLOS COURT NE?+
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 $577,000, this home is listed about 34% above the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 990 SAN CARLOS COURT NE?+
Shore Acres Elementary School (elementary), Meadowlawn Middle School (middle), Northeast High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$577,000 runs 162% above the ST PETERSBURG 33702 median — but at 1,796 sqft it's also 35% larger than the typical St Petersburg listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Know the monthly fee
The association fee is $721/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Shore Acres Elementary School, Meadowlawn Middle School, Northeast High School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $590,000, now $577,000 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · J. David Vann. MLS #TB8521003.
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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