4318 HELENA STREET NE, ST PETERSBURG, FL, 33703
Active4 days on marketListed Oct 7, 2026MLS #TB8554913
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About this home
4318 HELENA STREET NE
AN ASSUMABLE FHA LOAN WITH A 2.99% INTEREST RATE makes this Shore Acres home an exciting opportunity! Recently remodeled, this inviting 3-bedroom, 2-bath home combines stylish finishes, generous gathering spaces, and outdoor living that captures the Florida lifestyle. TWO LARGE LIVING SPACES offer room to spread out and entertain, with a welcoming front living room and an expansive family room that connects seamlessly to the dining area and kitchen. Wood-look tile flooring, recessed lighting, and a bright, neutral palette tie the interiors together, while a whitewashed brick fireplace with a wood mantel adds warmth and character to the living space. The kitchen features shaker-style cabinetry, light countertops, stainless steel appliances, and abundant storage, including a pantry. A breakfast bar and wide pass-through keep everyone connected, making everyday meals and entertaining feel effortless. The split-bedroom layout offers added privacy when hosting guests, with the primary suite separated from the two additional bedrooms. The primary retreat includes a walk-in closet and an en-suite bathroom with a glass-enclosed shower, subway tile, and black fixtures. The guest bathroom features a tub and shower combination with coordinating finishes. Step outside to one of this home’s standout features: the LARGE COVERED AND SCREENED LANAI! With paver flooring, ceiling fans, and ample room for both a dining table and a comfortable lounge setup, this inviting space is made for morning coffee, dinner with friends, and relaxed evenings outdoors. Sliding glass doors connect the indoor gathering areas to the lanai, making it easy to open up and entertain. Beyond the screens, a beautiful backyard enclosed by white vinyl fencing offers a welcoming setting for gardening, outdoor games, or simply enjoying the sunshine, with an additional paver patio providing even more space to gather. A separate laundry/mud/storage room with cabinetry keeps everyday essentials organized, while an attached two-car garage, wide driveway, and 2020 roof round out the home’s features. Enjoy the neighborhood setting of Shore Acres with nearby parks and close proximity to the 4th Street corridor, putting Whole Foods, Publix, The Fresh Market, restaurants, and everyday conveniences within easy reach. Downtown St. Petersburg’s waterfront, dining, shopping, and entertainment are also conveniently accessible, along with major routes connecting you to the Gulf beaches, Tampa, and Tampa International Airport. This home brings together space, style, and an exceptional financing opportunity. Ask for details about the assumable 2.99% FHA loan and schedule your private showing today! **Assumption of the existing loan is subject to lender approval, buyer qualification, and loan terms; funds or additional financing may be needed to cover the difference between the purchase price and remaining loan balance.**
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,926
Sqft
0.17 ac
Lot size
2
Garage
1971
Year built
One
Levels
$260
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.
$3,618 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$3,618/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.
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
−18.2%
$/sqft vs SHORE ACRES OVERLOOK SEC
$260 vs $290
Days on market
4 vs 73 typical
Where $260/sqft sits among the 23 homes for sale in SHORE ACRES OVERLOOK SEC
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 Shore Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Shore Acres — neighborhood snapshot
Population
5,665
Median age
43
Median income
$152,582
Median home value
$595,023
Avg household
3
Households w/ children
736
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)
13 of 23
SHORE ACRES OVERLOOK SEC have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% 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 4318 HELENA STREET 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$1,725,000
3227 BAYSHORE BOULEVARD NE · same community
4 bd · 1.5 ba · 1,696 sqft · $1,017/sqft · 296 DOM
Sold · Mar ’26$440,000
1735 CONNECTICUT AVENUE NE · same community
3 bd · 2 ba · 1,679 sqft · $262/sqft · 22 DOM
Sold · Nov ’25$179,000
4327 HUNTINGTON STREET NE · same community
3 bd · 2 ba · 1,649 sqft · $109/sqft · 16 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4318 HELENA STREET NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4318 HELENA STREET NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4318 HELENA STREET NE FAQs
What would the monthly payment be for 4318 HELENA STREET NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,618/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 4318 HELENA STREET NE?+
The most recent tax bill on record (2025) was $3,517. 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 $500,000, this home is listed about 19% above the St Petersburg median of $420,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4318 HELENA STREET 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
Three things that matter here
01Positioned at the premium end
$500,000 runs 28% above the ST PETERSBURG 33703 median — but at 1,926 sqft it's also 46% larger than the typical St Petersburg listing.
02Fresh on the market
Only 4 days on market in a St Petersburg market that averages 73 — if it fits, move quickly.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of FIVE STAR REAL ESTATE OF FLORIDA LLC · Logan Lafleche. MLS #TB8554913.
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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