398 COLONY POINT ROAD S, ST PETERSBURG, FL, 33705
Active5 days on marketListed Oct 16, 2026MLS #TB8554358
About this home
398 COLONY POINT ROAD S
Tucked away on a large corner lot with no HOA, this 3-bedroom, 2-bath pool home offers an exceptional blend of privacy, outdoor living, and easy access to Tampa Bay. Set back from the water, the property enjoys a more private setting while still offering a path from the backyard to the dock and water. Inside, the spacious living area features a wood-burning fireplace, creating a warm and inviting gathering space. The kitchen offers plenty of cabinet and counter space, stainless steel appliances, and a stylish backsplash, with a dining area just off the kitchen. A spacious den/family room adds even more living space and features built-in bookshelves. The primary bedroom includes an ensuite bath with a shower, while two additional bedrooms share a full bath. Outside, your private retreat awaits with an expansive deck, a hot tub tucked into its own private alcove, and a spacious above-ground pool surrounded by a fully fenced backyard. A rooftop access area offers the opportunity to take in views of the bay, while the 2-car garage provides added convenience. Located close to shopping, dining, schools, and the waterfront, this property offers a rare opportunity to enjoy a relaxed coastal lifestyle with room to entertain, unwind, and make the most of the outdoors. With no HOA, a pool, bay views, water access, and a private corner-lot setting, this is the kind of home that gives you more to enjoy every day. Don't miss the opportunity to make it yours!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,480
Sqft
0.26 ac
Lot size
2
Garage
1958
Year built
One
Levels
$504
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.
$8,752 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$8,752/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.
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
+69.4%
$/sqft vs St Petersburg actives
$504 vs $323
Days on market
5 vs 67 typical
Where $504/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 Greater Pinellas Point
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Greater Pinellas Point — neighborhood snapshot
Population
17,370
Median age
45
Median income
$64,146
Median home value
$299,751
Avg household
2
Households w/ children
1,896
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)
229 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 297% above the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 398 COLONY POINT ROAD S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$2,675,000
218 COLONY POINT ROAD S · same community
4 bd · 3 ba · 3,278 sqft · $816/sqft · 112 DOM
Sold · Feb ’26$1,625,000
200 COLONY POINT ROAD S · same community
3 bd · 2 ba · 3,360 sqft · $484/sqft · 524 DOM
Sold · Jun ’26$1,040,000
380 COLONY POINT ROAD S · same community
4 bd · 4.5 ba · 3,477 sqft · $299/sqft · 122 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 398 COLONY POINT ROAD S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 398 COLONY POINT ROAD S — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
398 COLONY POINT ROAD S FAQs
What would the monthly payment be for 398 COLONY POINT ROAD S?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $8,752/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 398 COLONY POINT ROAD S?+
The most recent tax bill on record (2025) was $3,086. 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 398 COLONY POINT ROAD S?+
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 $1,250,000, this home is listed about 198% above the St Petersburg median of $419,900. The market section on this page shows how the area is trending.
Which schools are assigned to 398 COLONY POINT ROAD S?+
Lakewood High School (high), Bay Point Middle School (middle), Lakewood Elementary School (elementary) — 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
$1,250,000 runs 297% above the ST PETERSBURG 33705 median — but at 2,480 sqft it's also nearly twice the size of the typical St Petersburg listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 5 days on market in a St Petersburg market that averages 67 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of REDFIN CORPORATION · Christine Tatum. MLS #TB8554358.
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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