132 MIRROR LAKE UNIT 403, ST PETERSBURG, FL, 33701
Active0 days on marketListed Oct 13, 2026MLS #TB8557199
About this home
132 MIRROR LAKE UNIT 403
Rare opportunity! Come see this modern downtown St. Petersburg condominium nestled in front of the beautiful Mirror Lake! Built in 2020, this stylish 4th floor residence offers 2 bedrooms, 2 bathrooms, and 998 square feet of thoughtfully designed living space with high ceilings and tile flooring throughout. Secure fob access provides entry into the building and elevator access directly to your floor for added privacy and convenience. The open-concept layout features a spacious living room with a large recessed entertainment center area, dedicated dining space, and an eat-in kitchen designed for both everyday living and entertaining. The kitchen is appointed with quartz countertops, stainless steel appliances, breakfast bar seating, pantry storage, and ample cabinetry. Sliding glass doors open to a private balcony overlooking the city skyline. Both bedrooms include walk-in closets, while both bathrooms feature modern glass-enclosed showers. Additional highlights include a utility closet with stackable LG washer and dryer and one covered parking space. Located in the heart of downtown St. Petersburg, this exceptional property is just steps from Mirror Lake and within walking distance to local shopping, dining, nightlife, parks, museums, and entertainment venues. Enjoy the perfect blend of modern design, security, convenience, and vibrant city living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
998
Sqft
0 ac
Lot size
2020
Year built
One
Levels
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$188 /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
$188/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Downtown St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Downtown St Petersburg — neighborhood snapshot
Population
3,169
Median age
60
Median income
$50,655
Median home value
$619,783
Avg household
1
Households w/ children
55%
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)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the ST PETERSBURG 33701 median. See the full St Petersburg market guide →
Paper trail
This home's history
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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 132 MIRROR LAKE UNIT 403 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 132 MIRROR LAKE UNIT 403 — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
132 MIRROR LAKE UNIT 403 FAQs
What would the monthly payment be for 132 MIRROR LAKE UNIT 403?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $188/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 132 MIRROR LAKE UNIT 403?+
The listing reports pets: Number Limit, Size 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 $3,800, this home is listed about 99% below the St Petersburg median of $419,950. The market section on this page shows how the area is trending.
Which schools are assigned to 132 MIRROR LAKE UNIT 403?+
John Hopkins Middle School (middle), North Shore Elementary School (elementary), St. Petersburg 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
01Under the ST PETERSBURG 33701 market on paper
$3,800 is 100% below the ST PETERSBURG 33701 median of $765,000, and at $4/sqft it sits under the St Petersburg average of $369.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a St Petersburg market that averages 71 — if it fits, move quickly.
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Zachary Campbell. MLS #TB8557199.
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.
Never miss a listing
New St Petersburg homes, in your inbox
Like 132 MIRROR LAKE UNIT 403 but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Chad to ping you on any price or status change →