CENTURY 21 Edge
$499,9004 bd2 ba1,777 sqft$281 /sqft$3,618 /mo all-in ↓

7740 40TH TERRACE N, ST PETERSBURG, FL, 33709

Active8 days on marketListed Sep 14, 2026MLS #TB8548365

Private poolSingle Family ResidenceCOLEMAN SUB

About this home

7740 40TH TERRACE N

Mid-Century Modern Gem with a Private Outdoor Oasis! Built in 1959, this spacious ranch-style Mid-Century Modern home blends timeless character with thoughtful updates and an incredible indoor-outdoor lifestyle. Lovingly cared for and ready for its next owner, this home offers generous living spaces, abundant natural light, a spectacular pool area, and a location that puts Florida's best attractions within easy reach. Step inside to a welcoming living room featuring a beautiful bay window, skylights, and a stunning three-sided beveled-glass and travertine surround wood-burning fireplace that serves as a dramatic focal point and can be enjoyed from both the living and dining rooms. The dining room steps down from the living area and flows naturally into the impressive kitchen—truly designed with entertaining in mind. The chef-inspired kitchen features a huge granite breakfast bar, pendant lighting, stainless steel appliances including a new dishwasher, microwave and refrigerator, modern backsplash, large barn-door pantry, and a greenhouse window overlooking the pool and patio. Whether you're preparing a casual meal or hosting a crowd, there's plenty of room to gather. The real showstopper is the private outdoor oasis. A sparkling saltwater pool with a gas-heated waterfall spa is surrounded by durable paver decking and a spacious screened enclosure. The impressive 35-foot covered porch provides plenty of room for outdoor dining, lounging, and entertaining year-round. Newer white vinyl fencing adds privacy and completes the backyard retreat. Inside, low-maintenance Mexican-style ceramic tile flows throughout the home. Vaulted ceilings, skylights, and sky tubes bring natural light into the spacious interior. The split-bedroom floor plan provides privacy, with an impressive primary suite featuring a huge walk-in closet and its own new mini-split AC. The ensuite bath offers a new tall vanity, spa tub, separate shower, generous linen storage, and a new water heater. Three additional bedrooms provide flexibility for family, guests, a home office, hobbies, or other needs. The fourth bedroom is currently being used as an oversized interior laundry room and includes a newer washer and dryer plus a French door leading directly to the pool area. Outside, the front yard welcomes you with a decorative fountain, sprinkler system, attractive wrought-iron fencing, and mature landscaping. The massive oversized detached two-car garage is extra deep and equipped with workbenches, shelving, and overhead storage. It's an ideal space for a workshop, hobby area, home gym, mancave, or entertaining space. The generous driveway also provides room to accommodate an RV. Major updates provide added peace of mind, including a new 3-ton central AC (2025), new mini-split AC for the primary suite (2025), and a whole-house Generac generator (2025) powered by propane. And then there's the location. Just minutes from Florida's beautiful Gulf beaches and a short drive to vibrant downtown St. Petersburg, you'll have easy access to award-winning dining, world-class museums, entertainment, Rays and Rowdies games, shopping, and everything that makes the area such a desirable place to live. Bay Pines VA Medical Center is also conveniently nearby. Lovingly cared for, thoughtfully updated, and ready for a new owner to make it their own—this distinctive Mid-Century Modern home offers space, flexibility, privacy, and the Florida lifestyle you've been waiting for.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,777

Sqft

0.23 ac

Lot size

2

Garage

1959

Year built

One

Levels

$281

Per sqft

Private poolFireplacePool viewPets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorPrimary Bedroom Main Floor · Skylight(s) · Solid Surface Counters · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofOther
ConstructionWood Frame · Wood Siding
FoundationSlab
ViewPool
FacesNorth
ExteriorIrrigation System · Private Mailbox · Sprinkler Metered

Community & fees

Taxes (2025)$3,531/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Sprinkler Recycled · 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.

$3,618 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$294
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,497Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,497
Interest rate6.00%
Loan term

Estimated payment

$3,618/mo

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$294
Est. insurance$160

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.

List $500K
$480KedgeAI estimate $588,527 · range $558K$601K$625K

vs edgeAI estimate

−15.1%

$/sqft vs St Petersburg actives

$281 vs $305

Days on market

8 vs 57 typical

Where $281/sqft sits among the 400 St Petersburg actives

157
123 · this home
45
27
11
37
$126–265$265–403$403–542$542–681$681–820$820+

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

Downtown Tampa33 min
Tampa Int’l Airport (TPA)33 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Petersburg. See the full St Petersburg guide →

ST PETERSBURG 33709 — neighborhood snapshot

Population

25,371

Median age

53.3

Median income

$52,621

Median home value

$190,300

Avg household

2.2

Households w/ children

1,922

For the school run

Pinellas County School District

ElementarySeventy-Fourth St. Elementary★★★★★
MiddleAzalea Middle School★★★★
HighDixie M. Hollins High School★★★★★

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

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$380K$402K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

258 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 176% above the ST PETERSBURG 33709 median. See the full St Petersburg market guide →

Paper trail

This home's history

Sep 14, 2026Listed at $499,900 · 8 days on market since
1959Built · COLEMAN SUB

Reality check

What actually sold near 7740 40TH TERRACE N

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

8263 27TH AVENUE NSold · Nov ’25

$605,000

8263 27TH AVENUE N

3 bd · 2.5 ba · 1,757 sqft · $344/sqft · 36 DOM

6480 31ST AVENUE NSold · Sep ’25

$699,000

6480 31ST AVENUE N

3 bd · 2 ba · 1,742 sqft · $401/sqft · 6 DOM

6470 28TH TERRACE NSold · Oct ’25

$515,000

6470 28TH TERRACE N

3 bd · 2 ba · 1,739 sqft · $296/sqft · 180 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 7740 40TH TERRACE N — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 7740 40TH TERRACE N — before you fall in love.

See it in person

Schedule a tour

Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

7740 40TH TERRACE N FAQs

What would the monthly payment be for 7740 40TH TERRACE N?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,618/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 7740 40TH TERRACE N?+

The most recent tax bill on record (2025) was $3,531. 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 7740 40TH 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 $499,900, this home is listed about 16% 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 7740 40TH TERRACE N?+

Seventy-Fourth St. Elementary (elementary), Azalea Middle School (middle), Dixie M. Hollins High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Crystal Bannar, PA. MLS #TB8548365.

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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