Single Family Residence in LAKEWOOD TERRACE, ST PETERSBURG · No CDD on record
LAKEWOOD TERRACE · St Petersburg, FL 33705 · Pinellas County
Listing data updated October 14, 2026 at 8:22 AM ET · checked against the MLS hourly
Listed by EXP REALTY LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
2Bedrooms
1Bathrooms
1,301Sq Ft
1949Year Built
$254Per Sq Ft
2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
8% above
$/sq ft vs community
$254 here vs $236 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
4.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 14, 2026, 746 38Th Avenue in Lakewood Terrace, St Petersburg is listed at $329,900 (1,301 sq ft, about $254 per sq ft). That is 32% above Lakewood Terrace's median closed sale of $250,000 over the last 12 months (5 recorded sales). It came to market within the past week. Listing facts: built in 1949, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1949 · 77 yrs
1,301 sq ft of living area
2-car garage
Listed at $329,900 — recent neighborhood median sale price ~$250,000 (nearby sales; deemed reliable, not an appraisal)
New to market
No HOA reported by the listing (confirm)
Listing description
About this home
Welcome to this beautifully renovated St. Petersburg residence situated on a spacious corner lot! Featuring a fully fenced-in yard, this move-in-ready home offers the perfect blend of modern style, privacy, and outdoor living space.
Step inside to an open-concept layout filled with abundant natural light, highlighting pristine light-oak luxury vinyl plank flooring, neutral designer paint, and a striking slat-wall accent entry. The fully updated kitchen features crisp white shaker cabinetry, elegant quartz countertops, a stylish geometric tile backsplash, and a full suite of stainless steel appliances. Adjacent to the kitchen, the dedicated dining area showcases a sleek modern ring chandelier Relax in the primary bedroom featuring a custom board-and-batten feature wall and direct access to a bonus sunroom complete with rich wood-plank ceiling details.
Outside, enjoy an attached two-car garage and a long driveway for ample parking. Unbeatable location just moments from Lake Maggiore, the Intracoastal Waterway, vibrant Downtown St. Pete, Gulf beaches, local parks, and I-275 for an effortless commute.
Disclosure: Listing Agent holds an active Florida real estate license and has a direct/indirect ownership interest in the selling entity.
Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.
Listing courtesy of EXP REALTY LLC · Listing agent: Shane Beniek · 888-883-8509Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
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$329,900
Bed / bath2 / 1
Living area1,301 sq ft
Year built1949
Property typeSingle Family Residence
Garage2-car
MLS #TB8549373
Listing statusNew — 1 day on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~9 ft
CountyPinellas
Area listings2 active · 0 under contract
Estimated first-year tax~$3,464/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$254
Estimated monthly payment$2,295
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$250,000
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
Financing
Estimated monthly payment
$2,295/mo
Principal & interest $1,827/mo80%
Taxes $289/mo13%
Insurance $179/mo8%
$2,295/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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
The listing states there is no HOA.
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 $1,500–$3,000/yr; neither is a quote.
Roof and age
Built in 1949. An original roof would be about 77 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.
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.)
~$3,464/yr
Estimate: a typical Pinellas effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
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 not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~9 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
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.
Hazard risk
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.
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.
Connectivity
Internet & broadband
Fiber
Check availability
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
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Lakewood Terrace
Pricing & the Lakewood Terrace market
How this home is priced against recent nearby sales, and where Lakewood Terrace 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.
Property timeline
This home’s history
1949BuiltPer public record
Sep 22, 2026First seen on movewithmomentum.comObserved at $329,900
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.
Transparency
Price & listing history
Listed for $329,900Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
4 closed sales in LAKEWOOD TERRACE 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.
Sold Jun 2026
$203,000
746 38TH AVENUE, ST PETERSBURG
2 / 1 bd/ba · 1,301 sq ft · $156/sq ft
Courtesy of 27NORTH REALTY · View details →
Sold Jun 2026
$203,000
746 38TH AVENUE, ST PETERSBURG
2 / 1 bd/ba · 1,301 sq ft · $156/sq ft
Courtesy of 27NORTH REALTY · View details →
Sold Sep 2025
$250,000
3818 GROVE STREET, ST PETERSBURG
2 / 1 bd/ba · 1,058 sq ft · $236/sq ft
Courtesy of QUICKSILVER REAL ESTATE GROUP · View details →
Sold Sep 2025
$250,000
3818 GROVE STREET, ST PETERSBURG
2 / 1 bd/ba · 1,058 sq ft · $236/sq ft
Courtesy of QUICKSILVER REAL ESTATE GROUP · View details →
Median of these 4 sales: $250,000 ($236/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
$270,608the mess$343,464
Stronger local evidence — 4 comparable closed sales in LAKEWOOD TERRACE, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $329,900 — 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 1949 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:
This home: 1 days on market vs. a 22-day community median
1 active listing competing, 1 under contract
≈4.8 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $329,900 ($254/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 1,301 sq ft × $208–$264/sq ft (±12% around the median of 4 comparable closed sales in LAKEWOOD TERRACE, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 14, 2026.
Momentum Scores
Momentum Property Score
48/100
Strongest on: Pricing power (98), Market liquidity (62)
0 limited50100 exceptional
48/100 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.
Price vs area31
This home $254/sq ft vs the community 12-month median $236/sq ft.
Affordability0
List price $329,900 vs the community median $250,000. Not a measure of personal affordability.
Market liquidity62
Community median 22 days on market, ~4.8 months of supply (12-month record).
Pricing power98
Recent sales closed at about 88.3% of original asking (~11.7% below). More room below asking generally favors buyers.
Coverage: 4 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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 4.8 months of supply in the surrounding market and 1 days on market for this home, against a 22-day area median.Days on market:this home 1Area median: 22 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 2008 through 2026. As of September 20, 2026.
🟡 Asking $254 per square foot, about 8% above the community’s $236 median. Lakewood Terrace’s 12-month median sold price per square foot is $236. Confidence: Low · 5 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.
54% of homes in Lakewood Terrace are owner-occupied. An estimated 46% are non-owner-occupied, including 21% held in a company or trust and 8% 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), 268 homes matched. Community-level context.
Recent Lakewood Terrace sales closed near 88.3% 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 2 active listings in Lakewood Terrace, no CDD assessment.
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP REALTY LLC · MLS # TB8549373
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Keep looking
Similar homes for sale near LAKEWOOD TERRACE
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
ClearView apartments complete at $1 billion Echelon City Center in St. Petersburg
The 363-unit ClearView community, with ground-floor retail, is complete within the Echelon City Center development by Third Lake Partners and Echelon. A 3rd & 3rd residential high-rise with ground-floor retail is expected to open in the first quarter of 2027.
Why it matters: New downtown apartments and walkable retail add rental inventory and amenities in central St. Petersburg. The site is about 3 miles north of Lakewood Terrace.
Carbon dioxide terminal planned at Seaport Manatee for proposed biomethanol plant
Aptamus Carbon Solutions will plan a CO2 terminal and marine transport system at Seaport Manatee tied to Demeter Energy's proposed biomethanol plant. The plant would produce about 100,000 metric tons of biomethanol and capture about 200,000 metric tons of CO2 yearly. Cost and timeline were not disclosed.
Why it matters: Planned industrial and port activity could add maritime and industrial employment at the port. The site is about 8 miles southeast of Lakewood Terrace.
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 3 miles north of Lakewood Terrace.
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 3 miles north of Lakewood Terrace, elsewhere in Pinellas County.
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.
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 →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
City
ST PETERSBURG
Groceries, dining, and parks for this city — see the city guide.
Items worth confirming for 746 38Th Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1949 (77 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.
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 1,301 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 $3,464/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.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 14, 2026)
Comparable sales
Stellar MLS closed sales in LAKEWOOD TERRACE, 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
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.
Answered before you ask
Frequently asked questions
How big is 746 38Th Avenue and when was it built?
Per the listing record, 746 38Th Avenue was built in 1949 and has 1,301 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 746 38Th Avenue in?
746 38Th Avenue is in Lakewood Terrace in St Petersburg, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 746 38Th 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 746 38Th Avenue differ from the current owner's?
The estimate on this page (about $3,464 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 746 38Th Avenue 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.
Ready when you are
See 746 38TH AVENUE 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 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.
