1 bedroom Condominium at 410 12TH AVENUE #8, DUNBAR THE CONDO, ST PETERSBURG — photo 1Front elevation
1 bedroom Condominium at 410 12TH AVENUE #8, DUNBAR THE CONDO, ST PETERSBURG — photo 2Living space
1 bedroom Condominium at 410 12TH AVENUE #8, DUNBAR THE CONDO, ST PETERSBURG — photo 3Kitchen
1 bedroom Condominium at 410 12TH AVENUE #8, DUNBAR THE CONDO, ST PETERSBURG — photo 4Owner's suite
1 bedroom Condominium at 410 12TH AVENUE #8, DUNBAR THE CONDO, ST PETERSBURG — photo 5Exterior / yardView all 6 photos →
49 days on market Condominium ▼ Price cut: $5,000 (8/14)
$349,800
1-Bedroom Condo in DUNBAR THE CONDO

410 12TH AVENUE #8, ST PETERSBURG, FL 33701

Condominium in DUNBAR THE CONDO, ST PETERSBURG · No CDD
DUNBAR THE CONDO · ST PETERSBURG, FL 33701 · Pinellas
Listing data updated September 9, 2026 · refreshed twice daily
1Bedrooms
1Bathrooms
602Sq Ft
1951Year Built
$581Per Sq Ft
No CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$581 here vs $581 median sold (12 mo)
Buyer leverage
Balanced market
49 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~15 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of September 9, 2026, 410 12Th Avenue #8 in Dunbar The Condo, St Petersburg is listed at $349,800 (602 sq ft, about $581 per sq ft). That sits within a few percent of Dunbar The Condo's median closed sale of $349,800 over the last 12 months (1 recorded sales). It has been 49 days on market. Listing facts: built in 1951. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1951 · 75 yrs
  • 602 sq ft of living area
  • 49 days on market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 1951BuiltPer public record
  • Jul 10, 2026First trackedObserved at $364,800
  • Aug 4, 2026Price cut$354,800
  • Aug 14, 2026Price cut$349,800
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$2,353/mo
  • Principal & interest $1,808/mo 77%
  • Taxes $306/mo 13%
  • Insurance $190/mo 8%
  • HOA $50/mo 2%

$2,353/mo at 20% down, 30-yr @ 6.71% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$5,800/yr
$483/mo·effective rate ~1.66%
Estimated from today’s asking price and current Pinellas County tax rates.
⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $4,350/yr ($362/mo)
+$1,450 more each year
(+33%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$275,158
Market value
$275,158
Assessed
$224,436
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Momentum Scores

Momentum Property Score

61/100
Strongest on: Flood safety (95), Renovation upside (70)
0 limited50100 exceptional

61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area50
This home $581/sq ft vs the community 12-month median $581/sq ft.
Affordability50
List price $349,800 vs the community median $349,800. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1951 build. Obtain a property-specific quote.
Renovation upside70
From a 1951 build and $581/sq ft vs the community median $581/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $581 per square foot, about in line with the community’s $581 median. ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM’s 12-month median sold price per square foot is $581. Confidence: Low · 1 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

46% of homes in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM are owner-occupied. An estimated 54% are non-owner-occupied, including 20% held in a company or trust and 22% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 583 homes matched. Community-level context.

What’s unique here: one of only 5292 active listings in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

This location is all about lifestyle. Nestled in the highly sought-after Historic Old Northeast, this beautifully maintained residence offers the perfect blend of charm, convenience, and walkability. Enjoy morning walks along the waterfront, afternoons at Vinoy Park just down the street, and easy access to downtown St.

Petersburg’s vibrant dining, shopping, and year-round events. Built with solid block construction and located outside of a flood zone for added peace of mind, this home can be purchased fully furnished for a truly turnkey experience. Residents enjoy a low HOA of just $315 per month, along with convenient community amenities including second-floor laundry facilities, bike storage, and a dedicated parking space.

Modern convenience meets timeless charm with a fully integrated smart home system, featuring Philips Hue smart lighting throughout, a Nest smart thermostat, Nest smoke and CO detectors, and a Yale smart lock - allowing you to control your home's key features right from your phone. Blackout curtains in the bedroom add an extra layer of comfort and privacy, making this home as functional as it is inviting. Whether you're looking for a full-time residence, seasonal getaway, or investment opportunity, this is your chance to experience one of St.

Pete’s most desirable neighborhoods and enjoy the best of downtown and waterfront living right outside your door.

Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$349,800
Bed / bath1 / 1
Living area602 sq ft
Year built1951
Property typeCondominium
MLS #TB8523103
Listing status49 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~15 ft
Windstorm exposureLow
CountyPinellas
Area listings5292 active · 1411 under contract
Estimated first-year tax~$3,673/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$581
Estimated monthly payment$2,353
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$349,800

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of EXP REALTY LLC · Listing agent: Karina Grajcarek · 888-883-8509Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$307,622the mess$391,902

Actual list price: $349,800 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a 1951 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 4912 active listings competing, 1266 under contract

For reference, this home is listed at $349,800 ($581/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 602 sq ft × $511–$651/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.

Keep looking

Similar homes for sale near DUNBAR THE CONDO

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $349,800Momentum Realty · on market 49 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$3,673/yr

A rough first-year estimate only, applying a typical Pinellas rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$2k–$4k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~15 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 410 12TH AVENUE #8?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by EXP REALTY LLC · MLS # TB8523103

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in DUNBAR THE CONDO

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the DUNBAR THE CONDO neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$349,800

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$581

Canonical 12-month median $/sq ft. Reference only.

Go deeper on DUNBAR THE CONDO

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Pinellas County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$1,603 – $2,332/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$798 – −$142At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 410 12Th Avenue #8, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1951 (75 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 602 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $3,673/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
  • Confirm school zoning directly with the district.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed twice daily (last: September 9, 2026)
Community market statsStellar MLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

How big is 410 12Th Avenue #8 and when was it built?

Per the listing record, 410 12Th Avenue #8 was built in 1951 and has 602 sq ft of living area, 1 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 410 12Th Avenue #8 in?

410 12Th Avenue #8 is in Dunbar The Condo in St Petersburg, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Dunbar The Condo from the same MLS data.

Why might property taxes on 410 12Th Avenue #8 differ from the current owner's?

The estimate on this page (about $3,673 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 410 12Th Avenue #8 in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 410 12TH AVENUE #8 in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.