484 SANTA CRUZ PLACE NE UNIT F, ST PETERSBURG, FL, 33703
Active19 days on marketListed Oct 2, 2026MLS #TB8553746
About this home
484 SANTA CRUZ PLACE NE UNIT F
Available a great 2 bedroom /2 bathroom second floor condo located in Placido Bayou, a 360-acre gated community bordering Tampa Bay. This beautiful property is for the buyer who is looking for a location in an upscale neighborhood for an affordable price. The unit is well maintained, and offers a large open floor plan with enclosed sunroom bringing the outdoors in. Updated kitchen with granite countertops, stainless steel appliances and large peninsula for eat in dining and perfect for entertaining. Stacking washer and dryer off kitchen perfect for ease of use. Primary bedroom is large size with its own ensuite and walk-in closet. Updates include HVAC 2026, new interior paint throughout entire condo, new carpet on entry stairs. This building is well-maintained as well. The association has made the following updates: 2026 tiled roof, 2025 repaired stucco and exterior paint and 2026 termite tenting. This condo would make a great full-time residence, winter retreat or income property as annual rentals are allowed. 2 Pets (dogs or cats) up to 50 pounds total are welcomed! HOA fee includes water, sewer, trash pick-up, lawn care, paving, exterior building maintenance, pool and entrance gate. One assigned parking space with plenty of guest parking available. This is a great opportunity to live in a beautiful nature preserve setting.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,025
Sqft
0 ac
Lot size
1989
Year built
One
Levels
$288
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 and the real association fee — not generic estimates.
$3,671 /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
$3,671/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
+34%
$/sqft vs St Petersburg actives
$288 vs $323
Days on market
19 vs 66 typical
Where $288/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 Placido Bayou
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Placido Bayou — neighborhood snapshot
Population
1,374
Median age
58
Median income
$119,934
Median home value
$576,400
Avg household
2
Households w/ children
91%
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)
233 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 21% below the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 484 SANTA CRUZ PLACE NE UNIT F
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$216,000
484 SANTA CRUZ PLACE NE UNIT G · same community
2 bd · 2 ba · 930 sqft · $232/sqft · 149 DOM
Sold · Dec ’25$205,000
476 SANTA CRUZ PLACE NE UNIT G · same community
2 bd · 2 ba · 930 sqft · $220/sqft · 91 DOM
Sold · Oct ’26$205,000
484 SANTA CRUZ PLACE NE UNIT H · same community
2 bd · 2 ba · 930 sqft · $220/sqft · 117 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 484 SANTA CRUZ PLACE NE UNIT F — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 484 SANTA CRUZ PLACE NE UNIT F — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
484 SANTA CRUZ PLACE NE UNIT F FAQs
What would the monthly payment be for 484 SANTA CRUZ PLACE NE UNIT F?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,671/mo — principal and interest, the actual property-tax bill, the $989/mo association fee 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.
How much are the HOA fees at 484 SANTA CRUZ PLACE NE UNIT F?+
The association fee works out to $989 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 484 SANTA CRUZ PLACE NE UNIT F?+
The most recent tax bill on record (2025) was $4,399. 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 484 SANTA CRUZ PLACE NE UNIT F?+
The listing reports pets: Number 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 $295,000, this home is listed about 30% 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 484 SANTA CRUZ PLACE NE UNIT F?+
North Shore 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.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Jennifer Burke. MLS #TB8553746.
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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