1401 45TH AVENUE NE, ST PETERSBURG, FL, 33703
Active6 days on marketListed Oct 7, 2026MLS #TB8552733
About this home
1401 45TH AVENUE NE
Pre-Construction. To be built. Under Construction. Anticipated completion January 19, 2027, subject to pool completion. Tucked away on a quiet cul-de-sac in the coveted Waterway Estates neighborhood, this beautifully designed waterfront residence offers modern coastal luxury with prime boating access. Featuring 4 bedrooms, 4.5 bathrooms, and a thoughtfully crafted open-concept layout, the home captures peaceful water views while providing exceptional space for everyday living and entertaining. Quality finishes include a concrete seawall, premium Bosch appliance package, gas stove, gas dryer, gas water heater, stone countertops, and custom solid-wood cabinetry throughout. Elegant engineered hardwood flooring flows across the main living areas, creating a warm, refined interior. Generous gathering spaces open to a large covered rear porch—perfect for waterfront dinners, morning coffee, or unwinding after a day on the boat. The spacious primary suite features its own wet bar, adding a luxurious touch to your private retreat, while a thoughtfully designed Jack-and-Jill bathroom includes double vanities for added comfort and convenience. There is still time to explore select design changes and custom modifications, subject to construction progress and builder approval. Located in the heart of Northeast St. Petersburg, this waterfront retreat places you minutes from vibrant downtown St. Pete, waterfront parks, local schools, restaurants, coffee shops, and the energetic 4th Street corridor, with convenient access to Tampa and the Gulf beaches. An exceptional opportunity to enjoy a brand-new coastal home and the waterfront lifestyle in one of St. Petersburg’s most desirable neighborhoods.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,953
Sqft
0.22 ac
Lot size
4
Garage
2026
Year built
Three Or More
Levels
$758
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.
$18,792 /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
$18,792/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.
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
+39%
$/sqft vs St Petersburg actives
$758 vs $310
Days on market
6 vs 71 typical
Where $758/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 Waterway Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Waterway Estates — neighborhood snapshot
Population
1,144
Median age
43
Median income
$154,052
Median home value
$615,700
Avg household
3
Households w/ children
162
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)
223 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 689% above the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 1401 45TH AVENUE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$2,100,000
4300 13TH WAY NE · same community
5 bd · 4 ba · 4,440 sqft · $473/sqft · 3 DOM
Sold · Dec ’25$1,485,000
4331 13TH WAY NE · same community
4 bd · 3.5 ba · 2,630 sqft · $565/sqft · 24 DOM
Sold · Jul ’26$710,000
4496 13TH LANE NE · same community
3 bd · 2 ba · 1,508 sqft · $471/sqft · 12 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 1401 45TH AVENUE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1401 45TH AVENUE NE — 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
1401 45TH AVENUE NE FAQs
What would the monthly payment be for 1401 45TH AVENUE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,792/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 1401 45TH AVENUE NE?+
The most recent tax bill on record (2025) was $16,106. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Petersburg?+
At $2,996,000, this home is listed about 613% above the St Petersburg median of $419,950. The market section on this page shows how the area is trending.
Which schools are assigned to 1401 45TH AVENUE NE?+
Shore Acres Elementary School (elementary), Northeast High School (high), Meadowlawn Middle School (middle) — 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
$2,996,000 runs 689% above the ST PETERSBURG 33703 median — but at 3,953 sqft it's also nearly 3 times 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
Only 6 days on market in a St Petersburg market that averages 71 — if it fits, move quickly.
04Strong assigned schools
Shore Acres Elementary School, Northeast High School, Meadowlawn Middle School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Clay Glover, Jr. MLS #TB8552733.
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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