145 NE LINCOLN CIRCLE N, ST PETERSBURG, FL, 33702
Active25 days on marketListed Sep 26, 2026MLS #TB8551833
About this home
145 NE LINCOLN CIRCLE N
Welcome to this adorable, sun-drenched bungalow situated on a premium corner lot in highly desirable North St. Petersburg. Flooded with natural light, this home pairs classic Florida charm and highly functional living spaces. Inside, the floor plan offers a cozy eat-in kitchen with a dedicated pantry, alongside the convenience of a rare indoor laundry area. The layout also features updated appliances, including a new refrigerator installed in 2023 and a new stove from 2020.The true standout of the home is the expansive, versatile bonus room adding more than 250 air-conditioned square feet that can serve as bedroom, media room or game room. This space has been freshly upgraded with brand-new luxury vinyl flooring and a dedicated mini-split system for independent climate control, making it perfect for a third bedroom, home office, or media room. Sliding glass doors lead from the bonus room onto a private patio, which opens into a massive, fully fenced backyard. This outdoor oasis boasts fresh landscaping, a standalone storage shed, and convenient rear alley access, with more than enough room to easily add a pool. Major mechanical updates provide complete peace of mind and true turnkey living. The home features a roof, a new main HVAC system, a new water heater, and an upgraded electrical panel, all installed in 2020. Additionally, whole-house hurricane-grade windows were installed in 2022, providing both excellent energy efficiency and superior storm readiness. Whether you are searching for a primary residence, a vacation getaway, or a turnkey investment property, this home is ready to exceed your expectations. Centrally positioned in North St. Pete, this property places you just minutes away from the vibrant shops and dining of Downtown St. Petersburg, popular restaurants and retail along 4th Street N. Easy access to major highways for effortless commutes to Tampa and Sarasota and the area's world class beaches.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
815
Sqft
0.16 ac
Lot size
1948
Year built
One
Levels
$428
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.
$3,163 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,163/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+40.2%
$/sqft vs NORTH ST PETERSBURG
$428 vs $341
Days on market
25 vs 66 typical
Where $428/sqft sits among the 14 homes for sale in NORTH ST PETERSBURG
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 Mystic Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Mystic Lake — neighborhood snapshot
Population
813
Median age
36
Median income
$92,262
Median home value
$325,700
Avg household
2
Households w/ children
71%
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)
7 of 14
NORTH ST PETERSBURG have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% above the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 145 NE LINCOLN CIRCLE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$280,000
168 SOUTHEAST BOULEVARD N · same community
2 bd · 1 ba · 802 sqft · $349/sqft · 50 DOM
Sold · Apr ’26$281,000
5627 COMMONWEALTH AVENUE N · same community
2 bd · 1 ba · 849 sqft · $331/sqft · 16 DOM
Sold · Jan ’26$225,000
611 PALM AVENUE N · same community
2 bd · 1 ba · 780 sqft · $288/sqft · 45 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 145 NE LINCOLN CIRCLE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 145 NE LINCOLN CIRCLE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
145 NE LINCOLN CIRCLE N FAQs
What would the monthly payment be for 145 NE LINCOLN CIRCLE N?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,163/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 145 NE LINCOLN CIRCLE N?+
The most recent tax bill on record (2025) was $5,428. 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 145 NE LINCOLN CIRCLE N?+
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 $349,000, this home is listed about 18% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 145 NE LINCOLN CIRCLE N?+
Meadowlawn Middle School (middle), Shore Acres Elementary School (elementary), 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
01Positioned at the premium end
$349,000 runs 36% above the ST PETERSBURG 33702 median.
02Strong assigned schools
Meadowlawn Middle School, Shore Acres Elementary School, Northeast High School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $365,000, now $349,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Judy Anderson. MLS #TB8551833.
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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