CENTURY 21 Edge
$684,900$699,0002 bd2 ba1,474 sqft$465 /sqft$4,433 /mo all-in ↓

197 LIDO DRIVE, ST PETE BEACH, FL, 33706

Active310 days on marketListed Oct 2, 2025MLS #W7879506

Reduced $14KSingle Family ResidenceLIDO BEACH SUB

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

Garden viewPets allowed

Inside

FlooringTile
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Dry Bar · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat · Window Treatments
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewGarden
FacesSouth
ParkingCircular Driveway · Driveway
ExteriorCourtyard · Garden · Lighting · Private Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2024)$3,850/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fire Hydrant · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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%

Principal & interest$3,696
PMI (est., until 20% equity)$257
Property tax — 2024 actual bill$321
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $68,490Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $68,490
Interest rate6.00%
Loan term

Estimated payment

$4,433/mo

Principal & interest$3,696
PMI (est., until 20% equity)$257
Property taxes (actual bill)$321
Est. insurance$160

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.

List $685K
$374KedgeAI estimate $624,643 · range $389K$681K$712K

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

54
45 · this home
37
17
6
15
$270–415$415–560$560–706$706–851$851–996$996+

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

Map of 197 LIDO DRIVE

Drive times from this address

Downtown Tampa39 min
Tampa Int’l Airport (TPA)39 min

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

MiddleAzalea Middle School★★★★
ElementaryAzalea Elementary School★★★★
HighBoca Ciega High School★★★★★

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

The numbers that matter

The St Pete Beach market

Seller’s marketBalanced5.9 months of inventoryBuyer’s 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

CurrentPrice reduced to $684,900 $14K
Oct 2, 2025Listed at $699,000 · 310 days on market since
1956Built · LIDO BEACH SUB

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.

186 45TH AVENUESold · Feb ’26

$400,000

186 45TH AVENUE · same community

3 bd · 2 ba · 1,454 sqft · $275/sqft · 75 DOM

195 45TH AVENUESold · Nov ’25

$380,000

195 45TH AVENUE · same community

2 bd · 2 ba · 1,339 sqft · $284/sqft · 77 DOM

88 45TH AVENUESold · 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.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 197 LIDO DRIVE — start here.

Andrew Acosta

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.

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.

Never miss a listing

New St Pete Beach homes, in your inbox

Like 197 LIDO DRIVE but not quite? A daily digest of every new listing in St Pete Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Shawn to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 8, 2026 at 4:14 AM UTC. The listing information on this page last changed on August 8, 2026 at 4:14 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 8, 2026 at 4:14 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 8, 2026 at 4:14 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

197 LIDO DRIVE, ST PETE BEACH, FL — 2 Bed, 2 Bath — $684,900 | CENTURY 21 Edge