782 VILLAGE LAKE TERRACE N UNIT 103, ST PETERSBURG, FL, 33716
Active33 days on marketListed Sep 10, 2026MLS #TB8545396
About this home
782 VILLAGE LAKE TERRACE N UNIT 103
UPDATED, GROUND-FLOOR CONDO WITH RARE FENCED OUTDOOR SPACE! Welcome to 782 Village Lake Terrace N, Unit 103, a beautifully updated one-bedroom, one-bath condo offering the perfect combination of modern comfort, private outdoor living and easy, low-maintenance Florida living. Step inside to a bright, inviting interior featuring a remodeled kitchen with stainless steel appliances and Quartz counters, updated bathroom, built-in shelving and cabinetry, abundant natural light, in-unit laundry and a spacious bedroom with a walk-in closet and built-in organization. What truly sets this condo apart is its fenced outdoor space and patio, a rare find in condo living! Multiple sliding doors connect the interior to the patio and yard, creating a wonderful extension of the living space with room to relax, garden, entertain or simply enjoy the Florida sunshine. Pet lovers will appreciate that the community allows up to three domestic pets with no size restrictions, making the fenced outdoor space even more valuable. Village Lake offers a serene setting with mature landscaping, a peaceful community lake, two swimming pools, a playground, clubhouse, car wash stations, assigned parking and ample guest parking. Even better, the LOW monthly HOA fee of under $450 offers exceptional value and helps simplify monthly expenses by including cable, internet, access to several major streaming apps, water, sewer, trash, grounds maintenance, two community pools (heated in cooler months), pest control and applicable building and flood insurance. The location ties it all together, with convenient access to I-275, Gandy and the Howard Frankland Bridge, making it easy to reach Downtown St. Petersburg, Tampa and destinations throughout the Bay Area, while shopping, dining, recreation and the beautiful Gulf beaches are all within easy reach. Whether you’re looking for a primary residence, seasonal Florida escape or simply a more manageable lifestyle, this charming condo delivers an impressive combination of updates, amenities, affordability and private outdoor space. Come see why this one stands out from the rest! Make you appointment today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
675
Sqft
30 ac
Lot size
1974
Year built
One
Levels
$192
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.
$1,499 /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
$1,499/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.
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
+32.8%
$/sqft vs VILLAGE LAKE CONDO
$192 vs $173
Days on market
33 vs 71 typical
Where $192/sqft sits among the 7 homes for sale in VILLAGE LAKE CONDO
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)
4 of 7
VILLAGE LAKE CONDO have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the ST PETERSBURG 33716 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 782 VILLAGE LAKE TERRACE N UNIT 103
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$146,000
782 VILLAGE LAKE TERRACE N UNIT 102 · same community
1 bd · 1 ba · 675 sqft · $216/sqft · 157 DOM
Sold · Nov ’25$89,000
870 VILLAGE LAKE TERRACE N UNIT 204 · same community
1 bd · 1 ba · 675 sqft · $132/sqft · 42 DOM
Sold · Nov ’25$136,000
880 S VILLAGE LAKE DRIVE N UNIT 106 · same community
2 bd · 2 ba · 975 sqft · $139/sqft · 250 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 782 VILLAGE LAKE TERRACE N UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 782 VILLAGE LAKE TERRACE N UNIT 103 — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
782 VILLAGE LAKE TERRACE N UNIT 103 FAQs
What would the monthly payment be for 782 VILLAGE LAKE TERRACE N UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,499/mo — principal and interest, the actual property-tax bill, the $449/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 782 VILLAGE LAKE TERRACE N UNIT 103?+
The association fee works out to $449 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 782 VILLAGE LAKE TERRACE N UNIT 103?+
The most recent tax bill on record (2025) was $811. 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 782 VILLAGE LAKE TERRACE N UNIT 103?+
The listing reports pets: Cats OK, Dogs OK, 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 $129,900, this home is listed about 69% below the St Petersburg median of $419,950. The market section on this page shows how the area is trending.
Which schools are assigned to 782 VILLAGE LAKE TERRACE N UNIT 103?+
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
01Under the ST PETERSBURG 33716 market on paper
$129,900 is 10% below the ST PETERSBURG 33716 median of $143,950, and at $192/sqft it sits under the St Petersburg average of $369.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $139,900, now $129,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Mindy Smith, PA. MLS #TB8545396.
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 782 VILLAGE LAKE TERRACE N UNIT 103 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 Seth to ping you on any price or status change →