1124 85TH TERRACE N UNIT D, ST PETERSBURG, FL, 33702
Active3 days on marketListed Oct 22, 2026MLS #TB8560247
About this home
1124 85TH TERRACE N UNIT D
Welcome to sunny FL! . OPEN FLOOR PLAN! Located in the heart of ST Pete great Winter retreat or investment property! The living room leads through sliding glass doors to a screened balcony, a comfortable spot for morning coffee or quiet evenings. The kitchen opens to the dining area and includes NEW range, refrigerator, dishwasher, microwave, and disposal. The primary bedroom offers its own private bath, while the second bedroom features an oversized closet near the full hall bath. Assigned parking and extra storage add everyday convenience. The HOA covers water, sewer, trash, cable, insurance, pest control, and grounds and building maintenance. Residents enjoy a community pool, tennis courts, and clubhouse. Shopping and dining are close by, with quick access to 4th Street, Gandy Boulevard, and I-275 for easy trips to downtown St. Pete and Tampa.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
940
Sqft
0.34 ac
Lot size
1990
Year built
One
Levels
$128
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.
$1,710 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,710/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.
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
−39.9%
$/sqft vs St Petersburg actives
$128 vs $297
Days on market
3 vs 65 typical
Where $128/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 Pipers Meadows
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Pipers Meadows — neighborhood snapshot
Population
505
Median age
39
Median income
$150,022
Median home value
$493,880
Avg household
3
Households w/ children
63%
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)
196 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 53% below the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 1124 85TH TERRACE N UNIT D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$740,000
695 HOUSE WREN CIRCLE · same community
3 bd · 2 ba · 2,075 sqft · $357/sqft · 0 DOM
Sold · Jan ’26$740,000
695 HOUSE WREN CIRCLE · same community
3 bd · 2 ba · 2,075 sqft · $357/sqft · 0 DOM
Sold · Jul ’26$720,000
631 HOUSE WREN CIRCLE · same community
4 bd · 2 ba · 2,193 sqft · $328/sqft · 26 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1124 85TH TERRACE N UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1124 85TH TERRACE N UNIT D — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1124 85TH TERRACE N UNIT D FAQs
What would the monthly payment be for 1124 85TH TERRACE N UNIT D?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,710/mo — principal and interest, the actual property-tax bill, the $598/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 1124 85TH TERRACE N UNIT D?+
The association fee works out to $598 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1124 85TH TERRACE N UNIT D?+
The most recent tax bill on record (2025) was $897. 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 1124 85TH TERRACE N UNIT D?+
The listing reports pets: Breed Restrictions, 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 $120,000, this home is listed about 72% below the St Petersburg median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1124 85TH TERRACE N UNIT D?+
Palm Harbor Middle School (middle), Lake St. George Elementary School (elementary), Palm Harbor University High (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the ST PETERSBURG 33702 market on paper
$120,000 is 53% below the ST PETERSBURG 33702 median of $254,995, and at $128/sqft it sits under the St Petersburg average of $372.
02City & Trees/Woods views
The city and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $598/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 3 days on market in a St Petersburg market that averages 65 — if it fits, move quickly.
05Strong assigned schools
Palm Harbor Middle School, Lake St. George Elementary School, Palm Harbor University High — Palm Harbor Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC. · Bradley Smith. MLS #TB8560247.
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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