
197 LIDO DRIVE, ST PETE BEACH, FL, 33706
Active310 days on marketListed Oct 2, 2025MLS #W7879506
Come see it
Upcoming open house
Sun, Aug 9
9:00 AM – 11:00 AM
About this home
197 LIDO DRIVE
Welcome to 197 Lido Drive, where coastal living meets complete peace of mind. This is not just another beach cottage. This is a fully rebuilt, move-in ready home where every major system has already been done for you. Set in the highly sought-after Lido Beach community, just a short walk to the Gulf, this 3-bedroom, 2-bath home offers the rare combination of charm, location, and true long-term value. With a newly adjusted price, it presents a compelling opportunity to own in one of the Gulf Coast’s most desirable beach communities. From the moment you arrive, the difference is clear. Every major component has been updated or replaced, creating a home that lives like new without the wait, cost, or uncertainty of renovations. Thoughtfully and lovingly renovated from top to bottom by its long-term owner, whose pride of ownership is evident throughout, the home features a new roof (2024), new A/C, updated plumbing and electrical, and impact-rated windows with a transferable lifetime warranty, offering both confidence and long-term efficiency. The all-new kitchen is bright and inviting with quartz countertops, wood cabinetry, high-end appliances, and a clean coastal design that flows seamlessly into the main living spaces. Wood-look tile runs throughout the home, delivering durability with a refined, cohesive feel. Both bathrooms have been completely redesigned with quartz countertops, updated tile, fixtures, and finishes that reflect a fresh, coastal aesthetic. Step into the enclosed Florida room with Easy Breeze windows, an ideal space for morning coffee or relaxed evenings after the beach. Fresh paint inside and out, including the garage, enhances the truly turnkey condition. Outside, enjoy a fully fenced yard, a beautiful patio with pergola, low-maintenance xeriscape landscaping, and inviting areas to relax or entertain. A one-car garage and circular drive add both convenience and functionality. This home is not just beautiful, it is smartly prepared for coastal living, with outlets raised above water line and materials selected for longevity and ease. Adding to the value, buyers have the opportunity to assume the current owner’s grandfathered flood insurance policy at a significantly reduced rate, creating meaningful long-term savings and increased affordability. And then there is the lifestyle. Living here means embracing the best of beachside living, morning walks along the shoreline, biking to local restaurants and marinas, and taking in the kind of sunsets that make this area so special. With no HOA, the ability to rent monthly if desired, and a location that blends lifestyle with flexibility, this home offers both an exceptional personal retreat and strong investment potential. A previous buyer’s change in plans gives you a rare second chance. The inspections are clean. The work is done. Now it’s simply waiting for the right owner to enjoy it. Come experience what effortless beach living really feels like. For more info: bit.ly/197LidoDr
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,474
Sqft
0.14 ac
Lot size
1
Garage
1956
Year built
One
Levels
$465
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.
$4,433 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$4,433/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.
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
+9.6%
$/sqft vs St Pete Beach actives
$465 vs $510
Days on market
310 vs 79 typical
Where $465/sqft sits among the 174 St Pete Beach 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 St Pete Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Pete Beach. See the full St Pete Beach guide →
ST PETE BEACH 33706 — neighborhood snapshot
Population
15,347
Median age
62.2
Median income
$97,364
Median home value
$616,800
Avg household
1.79
Households w/ children
453
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 Pete Beach market
$679K → $553K
St Pete Beach median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
81 of 174
St Pete Beach actives have cut their price
Median sold price, St Pete Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% above the ST PETE BEACH 33706 median. See the full St Pete Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 197 LIDO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$400,000
186 45TH AVENUE · same community
3 bd · 2 ba · 1,454 sqft · $275/sqft · 75 DOM
Sold · Nov ’25$380,000
195 45TH AVENUE · same community
2 bd · 2 ba · 1,339 sqft · $284/sqft · 77 DOM
Sold · Feb ’26$369,000
88 45TH AVENUE · same community
2 bd · 1 ba · 997 sqft · $370/sqft · 0 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 197 LIDO DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 197 LIDO DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
197 LIDO DRIVE FAQs
What would the monthly payment be for 197 LIDO DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,433/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 197 LIDO DRIVE?+
The most recent tax bill on record (2024) was $3,850. 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 197 LIDO DRIVE?+
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 Pete Beach?+
At $684,900, this home is listed about 14% above the St Pete Beach median of $599,900. The market section on this page shows how the area is trending.
Which schools are assigned to 197 LIDO DRIVE?+
Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$684,900 runs 53% above the ST PETE BEACH 33706 median — but at 1,474 sqft it's also 16% larger than the typical St Pete Beach listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
310 days on market against a St Pete Beach median of 79 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Azalea Middle School, Azalea Elementary School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $699,000, now $684,900 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ROCKS REALTY · Annie Rocks, PA. MLS #W7879506.
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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