CENTURY 21 Edge
$2,149,000$2,249,0004 bd4 ba3,673 sqft$585 /sqft≈$13,006 /mo all-in ↓

220 90TH AVENUE NE, ST PETERSBURG, FL, 33702

Active107 days on marketListed Jun 26, 2026MLS #TB8523597

✦ Reduced $100K✦ New constructionWaterfrontSingle Family ResidenceSUN PLAZA ISLES

Come see it

Upcoming open house

Sun, Oct 11

2:00 PM – 4:00 PM

About this home

220 90TH AVENUE NE

Virtually Staged. NOW COMPLETE & MOVE-IN READY | WATER VIEWS & PRIVATE WATERFRONT ACCESS ACROSS THE STREET. Experience elevated coastal living in this exceptional new construction residence by Southerlyn Homes, offering 3,673 square feet of conditioned living space and more than 7,000 total square feet, including an impressive 1,738-square-foot ground-level garage and storage area, multiple covered lanais and porches, and expansive outdoor living space. Directly across the street, the property includes approximately 54 feet of private concrete seawall with the potential to add a custom dock, providing access to Tampa Bay and beyond. Designed in a timeless coastal style, this 4-bedroom, 4-bath home blends quality craftsmanship, modern luxury, and everyday functionality. Hardie siding, impact-rated windows and doors, spray foam insulation, high-efficiency variable-speed HVAC systems, a tankless gas water heater, and a prewired elevator shaft provide durability, efficiency, and long-term flexibility. A welcoming foyer opens to bright, expansive living spaces with soaring ceilings, wide-plank wood flooring, oversized windows, and designer finishes throughout. The open-concept great room flows seamlessly into the gourmet kitchen, featuring an oversized quartz island, custom cabinetry, premium appliances, a walk-in pantry, and a butler’s pantry with built-in wine refrigeration. The main living area opens to a spacious covered lanai overlooking the backyard, with ample room for a custom pool. A first-floor guest suite offers flexibility for visitors, multigenerational living, or a private home office. Upstairs, the primary retreat features a private covered balcony with water views, an oversized walk-in closet, and a spa-inspired bath with dual vanities, a freestanding soaking tub, and a walk-in shower. Two additional bedrooms connected by a Jack-and-Jill bath, a fourth full bathroom, and a centrally located laundry room complete the second floor. The expansive ground level is a standout feature, offering approximately 1,738 square feet of garage and storage space with room for vehicles, golf carts, kayaks, paddleboards, boating equipment, recreational gear, and more. Multiple covered outdoor areas further extend the home’s usable space and invite you to enjoy coastal breezes and water views throughout the day. Just steps from the front door, approximately 54 feet of private concrete seawall creates a unique waterfront lifestyle opportunity. Add a custom dock tailored to your boating needs, head out to Tampa Bay, spend the afternoon fishing or paddleboarding, or simply enjoy sunsets and frequent sightings of dolphins and manatees. Located in one of St. Petersburg’s most distinctive waterfront communities, this home is just minutes from vibrant downtown St. Petersburg, Gulf beaches, waterfront parks, dining, shopping, Tampa International Airport, and several well-known private schools, including Shorecrest Preparatory School and Canterbury School of Florida. Riviera Bay is known for its strong sense of community, with a neighborhood boat ramp, waterfront parks, and festive golf cart and boat parades throughout the year. A rare opportunity to own brand-new elevated construction with more than 7,000 total square feet, exceptional garage and storage space, water views, and private waterfront access directly across the street.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,673

Sqft

0.19 ac

Lot size

3

Garage

2026

Year built

Three Or More

Levels

$585

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCeramic Tile · Engineered Hardwood · Epoxy · Porcelain Tile
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Exhaust Fan · Freezer · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Wine Refrigerator
InteriorCeiling Fan(s) · Elevator · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Split Bedroom · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Natural Gas

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Wood Frame
FoundationStem Wall
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener · Golf Cart Garage · Golf Cart Parking · Ground Level · Off Street · Oversized
ExteriorBalcony · Irrigation System · Outdoor Grill · Outdoor Kitchen · Private Yard · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$5,328/yr
PetsYes
CommunityCanal Front · Community Boat Ramp · Water Access · Golf Carts OK · Irrigation-Reclaimed Water · Playground

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$13,006 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$11,596
PMI (est., until 20% equity)$806
Property tax — 2025 actual bill$444
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $214,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $214,900
Interest rate6.00%
Loan term

Estimated payment

$13,006/mo

Principal & interest$11,596
PMI (est., until 20% equity)$806
Property taxes (actual bill)$444
Est. insurance$160

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.

List $2.1M
$1.3MedgeAI estimate $1,470,678 · range $1.3M–$1.5M$2.2M

vs edgeAI estimate

+46.1%

$/sqft vs St Petersburg actives

$585 vs $313

Days on market

107 vs 73 typical

Where $585/sqft sits among the 400 St Petersburg actives

149
136
44
30 · this home
10
31
$117–261$261–405$405–550$550–694$694–838$838+

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

Downtown Tampa≈ 19 min
Tampa Int’l Airport (TPA)≈ 20 min

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

ElementarySawgrass Lake Elementary School★★★★★
MiddleMeadowlawn Middle School★★★★★
HighNortheast High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller — 4.4 months of inventoryBuyer’s market

$380K → $402K

St Petersburg median sold, yr/yr

95.9%

Sale-to-list ratio (12 mo)

244 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 746% above the ST PETERSBURG 33702 median. See the full St Petersburg market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,149,000 ▼ $100K
Jun 26, 2026Listed at $2,249,000 · 107 days on market since
2026Built · SUN PLAZA ISLES

Reality check

What actually sold near 220 90TH AVENUE NE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

9453 TREASURE LANE NESold · Jul ’26

$699,000

9453 TREASURE LANE NE · same community

2 bd · 2 ba · 1,883 sqft · $371/sqft · 104 DOM

9571 SUN ISLE DRIVE NESold · May ’26

$880,000

9571 SUN ISLE DRIVE NE · same community

3 bd · 2 ba · 1,813 sqft · $485/sqft · 21 DOM

223 94TH AVENUE NESold · Feb ’26

$370,000

223 94TH AVENUE NE · same community

4 bd · 2 ba · 1,478 sqft · $250/sqft · 27 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 220 90TH AVENUE NE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 220 90TH AVENUE 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

220 90TH AVENUE NE FAQs

What would the monthly payment be for 220 90TH AVENUE NE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,006/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 90TH AVENUE NE?+

The most recent tax bill on record (2025) was $5,328. 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 90TH AVENUE 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 $2,149,000, this home is listed about 412% above the St Petersburg median of $420,000. The market section on this page shows how the area is trending.

Which schools are assigned to 220 90TH AVENUE NE?+

Sawgrass Lake 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

Three things that matter here

01Positioned at the premium end

$2,149,000 runs 746% above the ST PETERSBURG 33702 median — but at 3,673 sqft it's also nearly 3 times the size of the typical St Petersburg listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $2,249,000, now $2,149,000 — a $100K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 LIST WITH BEGGINS · Ashley Russell. MLS #TB8523597.

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 220 90TH AVENUE NE but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Donna to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated October 10, 2026 at 9:40 AM UTC. The listing information on this page last changed on October 10, 2026 at 9:40 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on October 10, 2026 at 9:40 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: October 10, 2026 at 9:40 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.