4450 40TH AVENUE N UNIT D12, ST PETERSBURG, FL, 33714
Active5 days on marketListed Sep 17, 2026MLS #TB8548880
About this home
4450 40TH AVENUE N UNIT D12
Welcome to this beautifully refreshed two-bedroom, one-bathroom condo in the Golden Gate community of St. Petersburg! Offering 975 square feet of comfortable living space, this home features a welcoming foyer entry, freshly painted interiors, and a spacious living room/dining room combination. The kitchen offers stainless steel appliances, stone countertops, and a convenient breakfast bar, while tile flooring flows throughout the main living areas and hardwood floors add warmth to both bedrooms. New ceiling fans and window blinds provide additional comfort and style. Major updates include a 2026 electrical panel, an approximately 2022 roof and AC, and a 2023 water heater. Enjoy the community pool and the convenience of on-site coin laundry, 2 parking spaces, and plenty of guest parking. The monthly condo fee includes water, sewer, trash, and more. Ideally located less than 15 minutes from Downtown St. Petersburg, you'll be close to an exciting mix of dining, shopping, events, activities, and the St. Pete Pier. Major roadways are also nearby for easy travel throughout the Tampa Bay area, while the beautiful Gulf beaches are just a short drive away. Whether you're looking for a primary residence, second home, or investment opportunity, this condo offers a convenient St. Pete location with plenty to enjoy. Schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
975
Sqft
0 ac
Lot size
1967
Year built
One
Levels
$133
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 — not generic estimates.
$1,151 /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
$1,151/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
+17.4%
$/sqft vs St Petersburg actives
$133 vs $307
Days on market
5 vs 57 typical
Where $133/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 Disston Heights
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Disston Heights — neighborhood snapshot
Population
20,983
Median age
46
Median income
$80,773
Median home value
$275,163
Avg household
2
Households w/ children
2,024
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)
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 36% below the ST PETERSBURG 33714 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4450 40TH AVENUE N UNIT D12
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$254,000
1901 57TH STREET N
2 bd · 1 ba · 1,017 sqft · $250/sqft · 3 DOM
Sold · Feb ’26$340,000
4755 21ST AVENUE N
3 bd · 1 ba · 1,017 sqft · $334/sqft · 231 DOM
Sold · May ’26$385,000
4800 23RD AVENUE N
2 bd · 1 ba · 1,052 sqft · $366/sqft · 2 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4450 40TH AVENUE N UNIT D12 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4450 40TH AVENUE N UNIT D12 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4450 40TH AVENUE N UNIT D12 FAQs
What would the monthly payment be for 4450 40TH AVENUE N UNIT D12?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,151/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 4450 40TH AVENUE N UNIT D12?+
The most recent tax bill on record (2025) was $2,018. 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 4450 40TH AVENUE N UNIT D12?+
The listing reports pets: Number Limit, Size Limit, 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 $129,999, this home is listed about 70% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4450 40TH AVENUE N UNIT D12?+
Northwest Elementary School (elementary), Tyrone Middle School (middle), St. Petersburg 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 33714 market on paper
$129,999 is 36% below the ST PETERSBURG 33714 median of $203,500, and at $133/sqft it sits under the St Petersburg average of $377.
02Fresh on the market
Only 5 days on market in a St Petersburg market that averages 57 — if it fits, move quickly.
03Strong assigned schools
Northwest Elementary School, Tyrone Middle School, St. Petersburg High School — Northwest Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Jeffrey Borham, PA. MLS #TB8548880.
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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