CENTURY 21 Edge
$445,0002 bd2 ba1,061 sqft$419 /sqft≈$4,042 /mo all-in ↓

495 ST TROPEZ CIRCLE NE, ST PETERSBURG, FL, 33703

Active5 days on marketListed Oct 16, 2026MLS #TB8556263

VillaPLACIDO BAYOU

About this home

495 ST TROPEZ CIRCLE NE

Behind the gates of Placido Bayou, this beautiful two-bedroom, two-bath villa brings together light-filled living spaces and the privacy of your own fenced backyard. Surrounded by tree-lined streets and peaceful lakes, it’s a place to feel tucked away while staying close to everything you love about St. Petersburg. Inside, vaulted ceilings and abundant light create an immediate sense of openness, while the living and dining areas flow together comfortably. Whether gathering with friends or settling in for a quiet evening, the layout makes each space feel connected and inviting. The kitchen opens to the main living areas, keeping conversation close, while a generous cabinet space provides plenty of room for everyday essentials. The split floor plan brings privacy to both bedrooms, giving you and your guests space to feel at home. The master bedroom offers a walk-in closet and large en suite bath, with a walk-in shower, and access to the backyard. Throughout the residence, its beautifully maintained condition reflects the care it has received, including updated plumbing. A one-car garage adds practical convenience with room for storage, as well as a washer and dryer. Outside, your own private backyard offers room to enjoy the Florida lifestyle. Fully fenced and framed by greenery, it’s a setting for afternoons in the sunshine, dinner with friends, or a little gardening. The screened lanai creates a comfortable place to enjoy the fresh air, while a dedicated grilling area makes outdoor meals an easy part of your routine. With lawn care included, there’s more time to enjoy the space around you. When a pool day calls, the community pool is just a short walk away. Most importantly, this home sits at a high elevation, with no history of flooding. Placido Bayou offers a landscape of mature trees, nature preserves, and sparkling lakes. Walks through the neighborhood bring opportunities to spot birds and other wildlife, catch up with neighbors, and enjoy the peaceful surroundings. A staffed, 24-hour gated entrance adds to the sense of privacy that makes this community so special. Despite its peaceful atmosphere, the community is just minutes from the vibrant waterfront of St. Petersburg, where renowned dining, boutique shopping, world-class arts, and year-round events await. Award-winning beaches and airports are also just a short drive away, and the Racquet Club of St Petersburg is at the entry of the neighborhood, where you can enjoy both pickle ball and tennis! With bright, inviting interiors, a private outdoor retreat, and a location that keeps you close to it all, this home is the place to settle in and enjoy the best of St. Pete living.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,061

Sqft

0.08 ac

Lot size

1

Garage

1985

Year built

One

Levels

$419

Per sqft

Pets allowed

Inside

FlooringPorcelain Tile · Tile · Travertine
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Solid Surface Counters · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
FacesNortheast
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Lighting · Rain Gutters · Sliding Doors

Community & fees

HOA fee$464/mo
Taxes (2025)$1,992/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Gated Community - Guard · Irrigation-Reclaimed Water · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Sprinkler Recycled · Underground Utilities · Water Connected
WaterPublic

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.

$4,042 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,055
FHA mortgage insurance (est.)$197
Property tax — 2025 actual bill$166
HOA fee — from the listing$464
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,575Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,575
Interest rate7.50%
Loan term

Estimated payment

$4,042/mo

Principal & interest$3,055
FHA mortgage insurance (est.)$197
Property taxes (actual bill)$166
HOA / condo fee$464
Est. insurance$160

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.

List $445K
$394KedgeAI estimate $456,178 · range $411K–$502K$522K

vs edgeAI estimate

−2.5%

$/sqft vs PLACIDO BAYOU

$419 vs $373

Days on market

5 vs 67 typical

Where $419/sqft sits among the 9 homes for sale in PLACIDO BAYOU

1
1
3
1 · this home
2
1
$242–291$291–341$341–391$391–440$440–490$490+

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

Downtown Tampa≈ 25 min
Tampa Int’l Airport (TPA)≈ 26 min

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

ElementaryNorth Shore Elementary School★★★★★
HighNortheast High School★★★★★
MiddleMeadowlawn Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller — 4.4 months of inventoryBuyer’s market

$380K → $402K

St Petersburg median sold, yr/yr

95.9%

Sale-to-list ratio (12 mo)

4 of 9

PLACIDO BAYOU have cut their price

Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 19% above the ST PETERSBURG 33703 median. See the full St Petersburg market guide →

Paper trail

This home's history

Oct 16, 2026Listed at $445,000 · 5 days on market since
1985Built · PLACIDO BAYOU

Reality check

What actually sold near 495 ST TROPEZ CIRCLE NE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4778 PALERMO COURT NE UNIT 4778Sold · Mar ’26

$265,000

4778 PALERMO COURT NE UNIT 4778 · same community

2 bd · 2 ba · 1,035 sqft · $256/sqft · 181 DOM

526 ST TROPEZ CIRCLE NESold · Jun ’26

$545,000

526 ST TROPEZ CIRCLE NE · same community

2 bd · 2 ba · 1,251 sqft · $436/sqft · 52 DOM

486 GENOA CIRCLE NESold · Jan ’26

$560,000

486 GENOA CIRCLE NE · same community

3 bd · 2 ba · 1,438 sqft · $389/sqft · 33 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.

Pedro Ribeiro Gloria

Your agent

Pedro Ribeiro Gloria

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 495 ST TROPEZ CIRCLE NE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 495 ST TROPEZ CIRCLE 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

495 ST TROPEZ CIRCLE NE FAQs

What would the monthly payment be for 495 ST TROPEZ CIRCLE NE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,042/mo — principal and interest, the actual property-tax bill, the $464/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 495 ST TROPEZ CIRCLE NE?+

The association fee works out to $464 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 495 ST TROPEZ CIRCLE NE?+

The most recent tax bill on record (2025) was $1,992. 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 495 ST TROPEZ CIRCLE 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 $445,000, this home is listed about 6% 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 495 ST TROPEZ CIRCLE NE?+

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.

Listing courtesy of THE KEY GROUP · Amanda Bursik. MLS #TB8556263.

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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