79 days on market Single Family Residence
$2,150,000
5-Bedroom Pool Home in BAY FRONT SUB

436 12TH AVENUE, ST PETERSBURG, FL 33701

Single Family Residence in BAY FRONT SUB, ST PETERSBURG · No CDD
BAY FRONT SUB · ST PETERSBURG, FL 33701 · Pinellas
Listing data updated July 23, 2026 · refreshed twice daily
5Bedrooms
4.5Bathrooms
3,136Sq Ft
1925Year Built
$686Per Sq Ft
Private pool3-car garageNo CDDFEMA Zone X5 bedrooms
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
$686 here vs $686 median sold (12 mo)
Buyer leverage
Buyer advantage
79 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$10k–$20k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

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

Highlights
  • No CDD assessment on record
  • Built 1925 · 101 yrs
  • 3,136 sq ft of living area
  • 3-car garage
  • 79 days on market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 1925BuiltPer public record
  • Jul 10, 2026First trackedObserved at $2,150,000
  • 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

$13,992/mo
  • Principal & interest $10,894/mo 78%
  • Taxes $1,881/mo 13%
  • Insurance $1,166/mo 8%
  • HOA $50/mo 0%

$13,992/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

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

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 $686/sq ft vs the community 12-month median $686/sq ft.
Affordability50
List price $2,150,000 vs the community median $2,150,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1925 build. Obtain a property-specific quote.
Renovation upside70
From a 1925 build and $686/sq ft vs the community median $686/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 $686 per square foot, about in line with the community’s $686 median. ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM’s 12-month median sold price per square foot is $686. Confidence: Low · 1 closed sales in 12 monthsMLS facts: realMLS 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 July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

COMPLETELY RENOVATED HOME IN OLD NORTHEAST - NON FLOOD ZONE, WHOLE HOUSE GENERATOR, NEWER ROOF, IMPACT WINDOWS & DOORS, GAS UTILITIES, OPTIONAL TRANSFERABLE FLOOD INSURANCE, DOWNSTAIRS PRIMARY SUITE. This hidden gem in Old Northeast is the one you have been waiting for! The bungalow-like exterior exudes vintage charm, but spanning over 3000 SF, this updated and expanded home is a fantastic blend of modern upgrades and traditional details.

This home features 4 bedrooms, 3.5 baths PLUS an attached 750 SF guest apartment with another 1 bedroom and 1 bath. Enter into a traditional mudroom off the formal living room, private office, and dining room, with beautifully restored wood floors, moldings and cabinetry. The chef's kitchen has been redesigned with all Thermador stainless appliances and gas range, custom cabinetry to the ceiling, marble hex tile backsplash, and large eat-at peninsula.

The kitchen opens to the family room and out french doors to the pool and lanai, for exceptional indoor/outdoor entertaining. Master Suite is on the FIRST FLOOR, and has an en suite bathroom with double vanity, separate toilet room with large walk in shower, and expansive walk in closet. A second bedroom suite is also on the FIRST FLOOR, next to a full guest bath, this guest suite has its own walk in closet, which current owners are using as a pantry.

Upstairs, two more large bedrooms, each with a walk in closet, full hall bath with tub/shower to share, and separate laundry room with utility sink and storage. The screened lanai has a covered dining area, with more open air patio space next to the salt water pool, and half pool bath, all added in 2022. The heated pool features a waterfall feature and Intellicore lighting, lanai also has an outdoor shower, and plumbing for a stationary gas grill.

Low maintenance yard features Florida native landscaping, privacy Areca palms, and turf under the swing set and trampoline. On the opposite side of the home is a FULL HOUSE gas generator added in 2020, and a private side entrance to the massive guest suite added in 2022. This one bedroom, one bathroom apartment features vaulted ceilings, open concept living/dining/kitchen space with stainless steel and gas appliances, full bathroom with large walk in shower, walk in closet, and full laundry closet with washer, dryer, and storage.

Bedroom can be opened to the living space for a studio feel or closed off with large rolling barn doors for privacy. This guest apartment also can be accessed from the main home through a locked hallway. Oversized garage features another washer and dryer for your pool towels, and can fit up to three vehicles, golf cart, toys, and more!

Electrical, plumbing, gas tankless hot water heaters, and roof were all updated in 2022, making this home move-in ready. This beautiful home is 1.5 blocks from Beach Drive, and 7 blocks from downtown, and NOT IN A FLOOD ZONE, but it does have low optional and transferable flood insurance. Don't miss your opportunity to live in Old Northeast in this fabulous home!

Description provided by SOUTHERN ROOTS 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$2,150,000
Bed / bath5 / 4.5
Living area3,136 sq ft
Year built1925
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #TB8502922
Listing status79 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyPinellas
Area listings5292 active · 1411 under contract
Estimated first-year tax~$22,575/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$686
Estimated monthly payment$13,992
Insurance (illustrative)$10k–$20k/yr
Comparable-sales median$2,150,000

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 SOUTHERN ROOTS REALTY, LLC · Listing agent: Natalie DeVicente · 727-498-1673Provided 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.

$1,894,144the mess$2,408,448

Actual list price: $2,150,000 — 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 renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • 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:

  • 5171 active listings competing, 1343 under contract

For reference, this home is listed at $2,150,000 ($686/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: 3,136 sq ft × $604–$768/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.

Keep looking

Similar homes for sale near BAY FRONT SUB

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 $2,150,000Momentum Realty · on market 79 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
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.)
~$22,575/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)
$10k–$20k/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
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

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. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

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

Market data · public records

Recent sales activity in BAY FRONT SUB

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 BAY FRONT SUB neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$2,150,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$686

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

Go deeper on BAY FRONT SUB

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$9,854 – $14,333/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$4,442 – −$411At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 23, 2026)
Community market statsrealMLS 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 realMLS 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

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 436 12TH AVENUE 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.

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.