4480 Overlook Drive #12, St Petersburg, FL 33703
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 21, 2026, 4480 Overlook Drive #12 in Lake Overlook Apts, St Petersburg is listed at $154,000 (950 sq ft, about $162 per sq ft). That is 16% above Lake Overlook Apts's median closed sale of $132,500 over the last 12 months (8 recorded sales). Per square foot it is above the community's recent $125/sq ft by about 30%. It has been 233 days on market, longer than the community's typical 72 days to contract. Listing facts: built in 1974, HOA dues of $672/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1974 · 52 yrs
- 950 sq ft of living area
- Listed at $154,000 — recent neighborhood median sale price ~$132,500 (nearby sales; deemed reliable, not an appraisal)
- 233 days on market
- HOA $672/mo (per listing)
About this home
Tucked inside the sought-after Lake Overlook community, this beautifully restored FIRST-FLOOR condo offers easy living in the heart of Shore Acres—one of Northeast St. Petersburg's most desirable neighborhoods. This 2-bedroom, 1-bath residence features a bright, open layout with peaceful garden views, UPDATED STAINLESS-STEEL APPLIANCES, stone countertops, new flooring, baseboards, and a beautifully renovated bathroom.
A standout feature is the SPACIOUS FLORIDA ROOM, fully incorporated into the living area to create the perfect space for relaxing, entertaining, or working from home. Best of all, there's NO CARPET—just luxury vinyl plank and laminate flooring throughout. Assigned parking and a PRIVATE STORAGE CLOSET add everyday convenience.
Following the 2024 hurricanes, the condominium association completed PROFESSIONAL REMEDIATION AND RESTORATION, allowing the next owner to enjoy refreshed interior finishes with added peace of mind. Lake Overlook is a PET-FRIENDLY community offering a pool, fishing dock, lakeside grill area, BBQ area, scenic walking paths, and exciting community improvements already underway, including updated landscaping, new signage, a renovated clubhouse with a new kitchen and furnishings, and upgraded laundry facilities. HOA fees include cable, internet, water, sewer, trash, exterior maintenance, building insurance, and community amenities for truly LOW-MAINTENANCE LIVING.
Just minutes from vibrant downtown St. Petersburg, waterfront parks, shopping, dining, golf, and major commuter routes, this MOVE-IN-READY condo offers the perfect blend of QUIET COMMUNITY LIVING and city convenience. Whether you're looking for a full-time residence, seasonal getaway, or investment opportunity, this is one you won't want to miss.
MOTIVATED SELLER!
All 23 photos
Description provided by REALTY ONE GROUP INNOVATION and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $853/mo 49%
- Taxes $135/mo 8%
- Insurance $84/mo 5%
- HOA $672/mo 39%
$1,743/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 4480 Overlook Drive #12
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| HOA dues | $672/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1974. An original roof would be about 52 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Pinellas County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Pinellas County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the lake overlook apts market
How this home is priced against recent nearby sales, and where lake overlook apts has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in lake overlook apts
Each dot is a closed sale since 2014 (81 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2026. This home lists at $162/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 30 (cold).
This home’s history
- 1974BuiltPer public record
- About Mar 2026Listed (per MLS)MLS reports 233 cumulative days on market as of October 21, 2026
- Jul 10, 2026First seen on movewithmomentum.comObserved at $164,000
- Aug 8, 2026Price cut$154,000 (-$10,000, -6.1%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in LAKE OVERLOOK APTS in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $132,500 ($125/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 16 comparable closed sales in LAKE OVERLOOK APTS (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,982 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-20.
Actual list price: $154,000 ($162/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 48% spread on the same house — here is what a model can't see:
- Condition & updates — a 1974 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — this home carries HOA dues of $672/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: 233 days on market vs. a 72-day community median
- 9 active listings competing, 3 under contract
- ≈8.7 months of supply
- 10 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (16); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 21, 2026.
Momentum Property Score
40/100 is below average 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.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.7 months of supply in the surrounding market and 233 days on market for this home, against a 72-day area median.Days on market:this home 233Area median: 72 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. As of September 20, 2026.
🟡 Asking $162 per square foot, about 30% above the community’s $125 median. lake overlook apts’s 12-month median sold price per square foot is $125. Median sold price per square foot is up 15.2% year over year. Confidence: Medium · 8 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.
Recent lake overlook apts sales closed near 85.6% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 8 active listings in lake overlook apts, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 4480 OVERLOOK DRIVE #12?
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 REALTY ONE GROUP INNOVATION · MLS # TB8480115
Request a showing
Similar homes for sale near LAKE OVERLOOK APTS
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.
Newest listings in ST PETERSBURG
- 4357 32nd Avenue, ST PETERSBURG · $499,000 · 3 bd / 2.0 ba · listed October 21, 2026 (courtesy of SPIN REAL ESTATE LLC)
- 2423 2nd Avenue, ST PETERSBURG · $1,575,000 · 4 bd / 3.0 ba · listed October 21, 2026 (courtesy of REYNOLDS REALTY GULF COAST INC)
- 1546 66th Avenue, ST PETERSBURG · $649,900 · 3 bd / 2.0 ba · listed October 21, 2026 (courtesy of PREFERRED SHORE LLC)
- 4558 25th Avenue, ST PETERSBURG · $574,900 · 3 bd / 2.0 ba · listed October 21, 2026 (courtesy of PREFERRED SHORE LLC)
- 6295 3rd Avenue, ST PETERSBURG · $515,000 · 4 bd / 2.0 ba · listed October 21, 2026 (courtesy of SMITH & ASSOCIATES REAL ESTATE)
- 9025 3rd Street, ST PETERSBURG · $529,000 · 3 bd / 2.0 ba · listed October 21, 2026 (courtesy of SPIN REAL ESTATE LLC)
Recently off market in LAKE OVERLOOK APTS
- 4550 Overlook Drive #156 · last listed $159,950 · 2026-10-08
- 4601 Chancellor Street #146 · 2026-09-10
- 4500 Overlook Drive #107 · 2026-09-10
- 4480 Overlook Drive #10 · last listed $184,000 · 2026-09-10
Every home on Overlook Drive: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings
More on LAKE OVERLOOK APTS
Go deeper on LAKE OVERLOOK APTS
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
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.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Buyer research checklist
Items worth confirming for 4480 Overlook Drive #12, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1974 (52 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 AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- 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 950 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 $1,617/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 21, 2026) |
| Comparable sales | Stellar MLS closed sales in LAKE OVERLOOK APTS, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 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.
Frequently asked questions
How big is 4480 Overlook Drive #12 and when was it built?
Per the listing record, 4480 Overlook Drive #12 was built in 1974 and has 950 sq ft of living area, 2 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 4480 Overlook Drive #12 in?
4480 Overlook Drive #12 is in Lake Overlook Apts in St Petersburg, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4480 Overlook Drive #12 have an HOA, and how much are the dues?
The listing reports HOA dues of $672 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4480 Overlook Drive #12 differ from the current owner's?
The estimate on this page (about $1,617 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4480 Overlook Drive #12 in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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.
See 4480 OVERLOOK DRIVE #12 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.
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.