128 98TH AVENUE N, ST PETERSBURG, FL, 33702
Active52 days on marketListed Aug 20, 2026MLS #TB8540397
About this home
128 98TH AVENUE N
Virtually Staged. Waterfront living doesn’t get much better than this! Situated on one of the most desirable waterfront lots in Riviera Bay, this beautifully updated and meticulously maintained 3-bedroom, 2-bath home with a 2-car garage is now available for lease. From the moment you arrive, the professionally landscaped yard and thoughtful attention to detail set the tone. Inside, the bright, open floor plan showcases beautiful hardwood flooring, an updated kitchen with granite countertops and stainless-steel appliances, renovated bathrooms, and spectacular water views. The spacious primary suite features a walk-in closet, an ensuite bathroom, and direct access to a private courtyard with an outdoor shower. Step outside and prepare to be impressed. The backyard is a private tropical retreat featuring an expansive patio, a shaded lanai, and a relaxing hot tub—perfect for entertaining, unwinding, or simply enjoying the incredible waterfront setting. Boaters will appreciate the large private dock and 10,000-pound boat lift, providing convenient access to Tampa Bay and the Gulf beyond. Additional features include an interior washer and dryer, ample storage, and a move-in-ready condition throughout. Located in Riviera Bay, one of St. Petersburg’s most sought-after waterfront communities, residents enjoy two neighborhood parks, a community boat ramp, Thursday-night food trucks, neighborhood yard sales, holiday boat and golf-cart parades, Memorial Day sandbar concerts, and streets lined with American flags during patriotic holidays. This is more than a rental—it is the waterfront lifestyle you have been looking for. As the locals say, “It’s always a great day in Riviera Bay!” This home is virtually stage, this property is not furnished.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,619
Sqft
0.17 ac
Lot size
2
Garage
1967
Year built
One
Levels
$3
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.
$196 /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
$196/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
$3 vs $319
Days on market
52 vs 74 typical
Where $3/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
95.9%
Sale-to-list ratio (12 mo)
254 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 98% 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 128 98TH AVENUE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$325,000
9800 2ND STREET N · same community
3 bd · 2 ba · 1,617 sqft · $201/sqft · 97 DOM
Sold · May ’26$485,000
992 SAN CARLOS COURT NE
2 bd · 2 ba · 1,626 sqft · $298/sqft · 22 DOM
Sold · Jul ’26$630,000
767 CAYA COSTA COURT NE
3 bd · 2 ba · 1,628 sqft · $387/sqft · 13 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 128 98TH AVENUE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 98TH AVENUE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
128 98TH AVENUE N FAQs
What would the monthly payment be for 128 98TH AVENUE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $196/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 128 98TH AVENUE N?+
The listing reports pets: Breed Restrictions, 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 $4,900, this home is listed about 99% below the St Petersburg median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 128 98TH AVENUE N?+
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
01Under the ST PETERSBURG 33702 market on paper
$4,900 is 98% below the ST PETERSBURG 33702 median of $253,950, and at $3/sqft it sits under the St Petersburg average of $369.
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 $5,500, now $4,900 — a $600 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Clay Glover, Jr. MLS #TB8540397.
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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