123 days on marketSingle Family Residence▼ Price cut: $19,500 (9/19)
$323,000
4-Bedroom Home in HARBORDALE SUB
680 25th Avenue, St Petersburg, FL 33705
Single Family Residence in HARBORDALE SUB, ST PETERSBURG · No CDD
HARBORDALE SUB · St Petersburg, FL 33705 · Pinellas
Listing data updated September 30, 2026 · refreshed hourly
4Bedrooms
3Bathrooms
2,047Sq Ft
1935Year Built
$158Per Sq Ft
No CDD4 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.
54% below
$/sq ft vs community
$158 here vs $344 median sold (12 mo)
Buyer leverage
Strong buyer advantage
123 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~5 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 30, 2026, 680 25Th Avenue in Harbordale Sub, St Petersburg is listed at $323,000 (2,047 sq ft, about $158 per sq ft). That is 35% below Harbordale Sub's median closed sale of $495,000 over the last 12 months (2 recorded sales). Per square foot it is below the community's recent $344/sq ft by about 54%. It has been 123 days on market. Listing facts: built in 1935, no HOA. 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 1935 · 91 yrs
2,047 sq ft of living area
Listed at $323,000 — recent neighborhood median sale price ~$495,000 (nearby sales; deemed reliable, not an appraisal)
123 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Harbordale Sub
Pricing & the Harbordale Sub market
How this home is priced against recent nearby sales, and where Harbordale Sub 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 Harbordale Sub
Each dot is a closed sale since 2009 (40 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, 2014–2025. This home lists at $158/sq ft.
Median sale price by year
12-month median closed price, 2014–2025.
Property timeline
This home’s history
1935BuiltPer public record
Jul 10, 2026First trackedObserved at $395,000 · 123 days on market
Aug 4, 2026Price cut$370,000 (-$25,000, -6.3%)
Aug 11, 2026Price cut$350,000 (-$20,000, -5.4%)
Sep 5, 2026Price cut$342,500 (-$7,500, -2.1%)
Sep 19, 2026Price cut$323,000 (-$19,500, -5.7%)
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
$2,232/mo
Principal & interest $1,724/mo77%
Taxes $283/mo13%
Insurance $175/mo8%
HOA $50/mo2%
$2,232/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
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.
HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveVery High
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.
Momentum Scores
Momentum Property Score
64/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
64/100 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 area100
This home $158/sq ft vs the community 12-month median $344/sq ft.
Affordability100
List price $323,000 vs the community median $495,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~5 ft elevation. Verify the parcel with FEMA.
Insurance cost15
From FEMA Zone AE and a 1935 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Renovation upside90
From a 1935 build and $158/sq ft vs the community median $344/sq ft. Not a condition assessment.
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
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 123 days on market for this home, against a 63-day area median.Days on market:this home 123Area median: 63 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 2009 through 2026. As of September 20, 2026.
🟡 Asking $158 per square foot, about 54% below the community’s $344 median. Harbordale Sub’s 12-month median sold price per square foot is $344. Confidence: Low · 2 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.
What’s unique here: one of only 2 active listings in Harbordale Sub, no CDD assessment.
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Short Sale. OPPORTUNITY KNOCKS — BRING ALL OFFERS! Calling all buyers, investors, and anyone ready to bring a little vision to their next home!
This 4-bedroom, 3-bath home offers 2,047 sq. ft. of living space and plenty of potential for the right buyer.
Several of the big-ticket items have already been addressed, with the roof, electrical, plumbing, and A/C repaired, updated, or replaced within approximately the last five years. Now it’s time for someone to tackle the finishing touches and bring this home back to life. The property has been well lived-in and is ready for some TLC, including paint, flooring and subfloor repairs, fence work, and general cosmetic improvements.
With some elbow grease and a little creativity, there is an excellent opportunity to transform the space and make it shine again. The flexible 4-bedroom, 3-bath layout provides plenty of room, and at over 2,000 square feet, there is a lot of house to work with. This is a short sale and the seller says BRING ALL OFFERS!
Utilities are currently off but can be activated for inspections. Property is being sold in its current condition. If you’ve been looking for a property where you can add your own style and build value through improvements, this could be the opportunity you’ve been waiting for.
Bring your contractor, bring your ideas, and come see the possibilities!
All 6 photos
Description provided by MIHARA & ASSOCIATES INC. 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$323,000
Bed / bath4 / 3
Living area2,047 sq ft
Year built1935
Property typeSingle Family Residence
MLS #TB8509837
Listing status123 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~5 ft
Windstorm exposureLow
CountyPinellas
Area listings2 active · 0 under contract
Estimated first-year tax~$3,392/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$158
Estimated monthly payment$2,232
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$495,000
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 MIHARA & ASSOCIATES INC. · Listing agent: Heather Spinosa · 813-960-2300Provided 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.
$620,241the mess$788,095
Actual list price: $323,000 — 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 1935 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:
2 active listings competing, 1 under contract
≈12.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $323,000 ($158/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.
Methodology: 2,047 sq ft × $303–$385/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 30, 2026.
Keep looking
Similar homes for sale near HARBORDALE 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.
7809 38th Terrace, ST PETERSBURG · $117,300 · 1 bd / 1.0 ba · listed September 30, 2026 (courtesy of APONE REALTY)
301 1st Street #3003, ST PETERSBURG · $3,549,000 · 3 bd / 4.0 ba · listed September 30, 2026 (courtesy of ROCKS REALTY)
4619 28th Avenue, ST PETERSBURG · $379,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of LAWRENCE REAL ESTATE FL CORPORATION)
9000 1st Street, ST PETERSBURG · $1,449,000 · 3 bd / 3.0 ba · listed September 30, 2026 (courtesy of JACK KELLER INC)
3360 70 Street, ST PETERSBURG · $425,000 · 2 bd / 2.0 ba · listed September 30, 2026 (courtesy of MC HOMES REALTY INC)
527 47th Avenue, ST PETERSBURG · $1,099,990 · 4 bd / 3.0 ba · listed September 30, 2026 (courtesy of DOMAIN REALTY LLC)
Transparency
Price & listing history
Listed for $323,000Momentum Realty · on market 123 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.)
~$3,392/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–$3k/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 zone AE — confirm flood coverage. 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 AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~5 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 680 25TH AVENUE?
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 MIHARA & ASSOCIATES INC. · MLS # TB8509837
Request a showing
Market data · public records
Recent sales activity in HARBORDALE 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 HARBORDALE SUB neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$495,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$344
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HARBORDALE 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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
St. Pete approves temporary downtown dock for Tampa Bay ferry
The St. Petersburg City Council approved a temporary ferry dock on Bayshore Boulevard near the Vinoy in downtown St. Petersburg under a three-year contract costing about 324,200 dollars. Hubbard's Marina will operate cross bay service between downtown St. Petersburg and the Tampa Convention Center, with two vessels running year round. Service is expected to begin in October or November.
Why it matters: Establishes a temporary downtown dock and cross bay ferry connection, adding a new transit option and waterfront infrastructure serving the downtown St. Petersburg market. The site is about 2 miles north of Harbordale Sub.
St. Pete advances housing plan for nine vacant city lots
The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.
Why it matters: Advances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The project is about 2 miles north of Harbordale Sub, elsewhere in Pinellas County.
Blake-Related team selected to redevelop 86-acre Historic Gas Plant District
St. Petersburg selected a bid led by Blake Investment Partners, with the Related Group as co-developer, to redevelop the 86-acre Historic Gas Plant District at the Tropicana Field site. The roughly 8.1 billion dollar mixed use plan calls for more than 3,600 income-restricted residential units, a 13-acre central park, and office, retail, hotel and civic space over an estimated 20-year buildout. The developers plan to purchase about 58 acres while the city retains roughly one third.
Why it matters: Adds a large mixed use district with thousands of new residential units, a central park, and office, retail, hotel and civic space to the downtown St. Petersburg market. Redevelopment of the Tropicana Field site reshapes the surrounding property landscape and expands housing supply. The site is about 2 miles north of Harbordale Sub.
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.
GRADEA
Lakewood Elementary-PNAssigned elementary school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Bay Point Middle-PNAssigned middle school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Lakewood High-PNAssigned high school · Pinellas County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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.
Sold Mar 2026
$495,000
657 26TH AVENUE, ST PETERSBURG
3 / 2.5 bd/ba · 1,437 sq ft · $344/sq ft
Courtesy of SMITH & ASSOCIATES REAL ESTATE · View details →
Community 12-month median: $344/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
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$1,480 – $2,153/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−$792 – −$187At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 680 25Th Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1935 (91 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
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 2,047 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 $3,392/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
ST PETERSBURG
Groceries, dining, and parks for this city — see the city guide.
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.
Answered before you ask
Frequently asked questions
How big is 680 25Th Avenue and when was it built?
Per the listing record, 680 25Th Avenue was built in 1935 and has 2,047 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 680 25Th Avenue in?
680 25Th Avenue is in Harbordale Sub in St Petersburg, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Harbordale Sub from the same MLS data.
Does 680 25Th Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 680 25Th Avenue differ from the current owner's?
The estimate on this page (about $3,392 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 680 25Th Avenue 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.
Ready when you are
See 680 25TH 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.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
