
165 97TH AVENUE NE, ST PETERSBURG, FL, 33702
Active0 days on marketListed Sep 21, 2026MLS #TB8550021
About this home
165 97TH AVENUE NE
This exceptional two-story waterfront residence offers 2,789 square feet of beautifully refreshed living space and an extraordinary opportunity to enjoy the best of Florida’s boating lifestyle. With direct water access providing a quick boat ride to the open waters of Tampa Bay, the property combines spacious living areas, distinctive architectural details, and serene waterfront surroundings in one of St. Petersburg’s highly desirable locations. Inside, the grand foyer introduces a welcoming and generously proportioned floor plan featuring formal living and dining rooms, ideal for entertaining and everyday enjoyment. A distinctive circular staircase leads to an expansive loft area that can be tailored to suit a variety of lifestyles, including a home office, media room, playroom, or private retreat. The recently updated kitchen is a true highlight, featuring new cabinetry, new appliances, and sleek solid-surface countertops that create a polished and functional setting for both casual meals and sophisticated entertaining. Luxury vinyl plank flooring has been installed throughout most of the home, providing a cohesive and contemporary foundation. The spacious primary suite offers an enlarged bathroom designed for relaxation, complete with a soaking tub and an elevated sense of comfort. The second bathroom and convenient half bath have also been enhanced with new vanities and mirrors. Additional interior improvements include new bedroom and closet doors throughout, providing a cohesive, modern finish across the residence. Both A/C systems were replaced in June 2024, and a new A/C closet further enhances the home’s updated mechanical features. Outdoor living is truly exceptional, with new pavers gracing both the front and rear porches and a new roof over the patio providing added protection and comfort. The expansive 40-foot lanai creates an idyllic setting for morning coffee, sunset gatherings, or entertaining against a backdrop of peaceful waterfront views. A seawall and dock add tremendous appeal for boating enthusiasts, while the property’s direct water access offers a convenient route to Tampa Bay and beyond. Conveniently located near major transportation routes, the home offers an easy commute to Tampa as well as convenient access to downtown St. Petersburg, pristine Gulf beaches, Carillon Parkway, shopping, dining, medical facilities, and the area’s renowned arts and cultural destinations. This remarkable waterfront property presents a rare opportunity to create an exceptional residence in a premier setting. With its substantial updates, generous proportions, captivating water views, dock, lanai, and outstanding location, this is a truly compelling opportunity to experience waterfront living at its finest.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,789
Sqft
0.19 ac
Lot size
2
Garage
1969
Year built
Two
Levels
$394
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.
$6,719 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,719/mo
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.
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
95.8%
Sale-to-list ratio (12 mo)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 389% above the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 165 97TH AVENUE NE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 165 97TH AVENUE NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
165 97TH AVENUE NE FAQs
What would the monthly payment be for 165 97TH AVENUE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,719/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 165 97TH AVENUE NE?+
The most recent tax bill on record (2025) was $2,535. 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 165 97TH 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 $1,100,000, this home is listed about 156% 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 165 97TH AVENUE NE?+
Shore Acres 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
Four things that matter here
01Positioned at the premium end
$1,100,000 runs 389% above the ST PETERSBURG 33702 median — but at 2,789 sqft it's also nearly twice 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.
03Fresh on the market
Listed today in a St Petersburg market that averages 57 — if it fits, move quickly.
04Strong assigned schools
Shore Acres Elementary School, Meadowlawn Middle School, Northeast High School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of BROPHY REAL ESTATE · Tammy Brophy Wenzel. MLS #TB8550021.
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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