45 27th Street #1, St Petersburg, FL 33712
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
45 27Th Street #1 in 2700 Central Condo, St Petersburg is listed at $2,880,000 (4,800 sq ft, about $600 per sq ft). It came to market within the past week. Listing facts: built in 2024, HOA dues of $844/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2024 · 2 yrs
- 4,800 sq ft of living area
- 2-car garage
- Listed at $2,880,000 — recent neighborhood median sale price ~$5,500,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $844/mo (per listing)
About this home
MTBH Studios presents The sophistication of a Tribeca loft meets the vibrant energy of downtown St. Petersburg in this extraordinary 4,800-square-foot, four-level ultra-luxury residence. Completed in 2024 with no expense spared, this architectural showpiece delivers exceptional urban living with soaring 30-foot ceilings, walls of glass, art-infused space and the most breathtaking views of downtown St.
Petersburg. The main living level captures the dramatic scale and sophistication of a true loft with 10 ft high sliders and expansive windows that flood the interiors with natural light while framing an unusually serene, park-like setting overlooking bustling Central Avenue's beautiful oak-lined streetscape. Features include solid masonry for hurricane resilience and sound insulation, artisan-crafted interior and exterior railings, a striking fireplace clad in imported porcelain panels, German hardwood flooring, exquisite Porcelanosa surfaces, and gallery-style/art-focused smart lighting package with WAC lighting system and stunning contemporary chandeliers, integrated sound system for intimate background music or your favorite rock band.
An elevator connects all levels, providing effortless access from the two-car garage to the spectacular rooftop retreat. Every detail complements the home's classic contemporary architecture and entertaining and art-filled lifestyle. The designer kitchen with massive 12 ft island is a statement in both form and function, featuring a complete Gaggenau appliance package with induction cooktop, steam ovens, integrated paneled double tower refrigeration, Porcelanosa countertops and a generous walk-in pantry with wine fridge and espresso coffee maker all designed for the most demanding chef of the family.
The sculptural modern staircase with 4-inch solid treads elegantly floats within a 30+ ft light-filled volume connecting the primary living spaces to the spectacular rooftop retreat/entertaining space replete with its own wet bar, wine refrigerator, integrated surround sound system, private powder room, grill, platform for soaking tub with approximately 1,000 sf of outdoor living and garden area with views of the downtown St. Petersburg skyline and Tropicana Field. This creates an unforgettable backdrop for sunset cocktails, alfresco dining, and entertaining beneath the stars.
The residence also offers an exceptional, fully appointed private guest suite with its own kitchen, dining area, bathroom, and laundry facilities offering the comfort and independence of a separate luxury retreat allowing you to host family and friends in style, while maintaining complete privacy between the main residence and guest suite. LOCATION. LIFESTYLE.
THE FUTURE OF GRAND CENTRAL. Situated in one of St. Petersburg's most exciting, vibrant, eclectic and walkable neighborhoods, this residence places acclaimed restaurants, coffee shops, art galleries, boutique shopping, and nightlife just outside your door.
Adding to the neighborhood's momentum, approximately 20,000 square feet of recent property acquisitions and new development activity under construction which will be completed in the next 12 months are within a block of the residence signaling continued investment in expanded dining, retail, entertainment, and lifestyle offerings at your doorstep. This evolving streetscape further enhances the appeal of an already exceptional Central Avenue location, making it one of the city's most desirable and walkable urban addresses.
All 6 photos
Description provided by SMITH & ASSOCIATES REAL ESTATE 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 $15,702/mo 72%
- Taxes $4,573/mo 21%
- Insurance $796/mo 4%
- HOA $844/mo 4%
$21,915/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Pinellas County Schools FY2025-26 adopted budget (first public hearing, 6.293 mills proposed tax millage); 0.5->1.0 mill operating referendum effective 7/1/2025. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 45 27Th Street #1
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.
| Property tax | The current owner's bill is about $43,825/yr (certified county roll, taxable value × millage). Buy at the asking price of $2,880,000 and the first-year bill resets to about $54,875/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 19.39 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $844/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 $6,500–$14,000/yr; neither is a quote. |
| Roof and age | Built in 2024. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form. |
Estimated carrying cost at the asking price, before the mortgage: about $5,576/month (tax $4,573, HOA $844, insurance $159). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
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 Pinellas County market
How this home is priced against recent nearby sales, and where Pinellas County 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.
This home’s history
- 2024BuiltPer public record
- Oct 30, 2026First seen on movewithmomentum.comObserved at $2,880,000
- 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 within about 3 miles 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: $5,500,000 ($1286/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 8 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,814 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-29.
Actual list price: $2,880,000 ($600/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 31% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — this home carries HOA dues of $844/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 1546 active listings competing, 411 under contract
- 5 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 (8); 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 30, 2026.
The Momentum read
🟡 Asking $600 per square foot, about 53% below the community’s $1286 median. Pinellas County’s 12-month median sold price per square foot is $1286. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
42% of homes in Pinellas County are owner-occupied. An estimated 58% are non-owner-occupied, including 23% held in a company or trust and 20% 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), 107 homes matched. Community-level context.
What’s unique here: one of only 1157 active listings in Pinellas County, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by SMITH & ASSOCIATES REAL ESTATE · MLS # TB8560811
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Every home on 27Th Street: what is for sale, what sold and when, the homes and the communities along it.
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More on Pinellas County
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Browse market data, schools, taxes, and homes for sale across the county.
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.
Buyer research checklist
Items worth confirming for 45 27Th Street #1, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- 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.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- 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 4,800 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 $54,875/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $11,050 more per year than the current owner’s estimated bill (+25%). 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 30, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; 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 45 27Th Street #1 and when was it built?
Per the listing record, 45 27Th Street #1 was built in 2024 and has 4,800 sq ft of living area, 3 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 45 27Th Street #1 in?
45 27Th Street #1 is in 2700 Central Condo in St Petersburg, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 45 27Th Street #1 have an HOA, and how much are the dues?
The listing reports HOA dues of $844 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 45 27Th Street #1 differ from the current owner's?
The estimate on this page (about $54,875 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $11,050 more per year than the current owner’s estimated bill (+25%). 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 45 27Th Street #1 in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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.
See 45 27TH STREET #1 in person
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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 jon@movewithmomentum.com 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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.