2078 NE MONTANA AVENUE NE, ST PETERSBURG, FL, 33703
Active6 days on marketListed Oct 15, 2026MLS #TB8555127
About this home
2078 NE MONTANA AVENUE NE
Imagine starting the morning by the pool and ending it with a sunset cruise. In sought-after Venetian Isles, this beautifully renovated 3-bedroom, 2.5-bath home makes both easy. It offers 1,924 square feet of living space and approximately 75 feet of saltwater canal frontage, with boating access to Tampa Bay. Inside, natural light fills an open floor plan designed for relaxed days and lively gatherings. The renovation includes new kitchen and bathroom cabinetry, appliances, closets, and finishes throughout. A tile roof installed in 2023 and HVAC replaced in 2024 add to the home’s move-in-ready appeal. Outside, the heated pool and travertine deck invite you to slow down and stay awhile. When the water calls, your boat is ready at the 12,000-lb lift. With a concrete seawall, deep water and no bridges to the bay, it’s easy to make the most of this waterfront setting. A spacious 2-car garage, upgraded windows, hurricane-rated Bahama shutters and plenty of storage round out the home. And when you’re ready for a night out, vibrant downtown St. Pete is just minutes away. Come for the waterfront views. Stay for the life you can build around them.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,924
Sqft
0.22 ac
Lot size
2
Garage
1974
Year built
One
Levels
$676
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.
$10,219 /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
$10,219/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
+19.7%
$/sqft vs VENETIAN ISLES
$676 vs $617
Days on market
6 vs 66 typical
Where $676/sqft sits among the 11 homes for sale in VENETIAN ISLES
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 Venetian Isles
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Venetian Isles — neighborhood snapshot
Population
1,052
Median age
52
Median income
$237,622
Median home value
$912,841
Avg household
2
Households w/ children
103
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)
8 of 11
VENETIAN ISLES have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 249% 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 2078 NE MONTANA 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 · Mar ’26$825,000
2075 KANSAS AVENUE NE · same community
3 bd · 2 ba · 1,896 sqft · $435/sqft · 0 DOM
Sold · Feb ’26$868,000
2017 IOWA AVENUE NE · same community
3 bd · 2 ba · 1,772 sqft · $490/sqft · 28 DOM
Sold · Apr ’26$725,000
2044 MONTANA AVENUE NE · same community
4 bd · 2 ba · 2,174 sqft · $333/sqft · 502 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 2078 NE MONTANA AVENUE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2078 NE MONTANA AVENUE NE — 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
2078 NE MONTANA AVENUE NE FAQs
What would the monthly payment be for 2078 NE MONTANA AVENUE NE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $10,219/mo — principal and interest, the actual property-tax bill, the $20/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 2078 NE MONTANA AVENUE NE?+
The association fee works out to $20 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2078 NE MONTANA AVENUE NE?+
The most recent tax bill on record (2025) was $16,452. 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 2078 NE MONTANA AVENUE NE?+
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 $1,300,000, this home is listed about 207% above the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2078 NE MONTANA AVENUE 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
Four things that matter here
01Positioned at the premium end
$1,300,000 runs 249% above the ST PETERSBURG 33703 median — but at 1,924 sqft it's also 46% larger than 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 66 — if it fits, move quickly.
04Strong 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 DALTON WADE INC. MLS #TB8555127.
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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