Listing data updated September 12, 2026 · refreshed twice daily
1Bedrooms
1Bathrooms
780Sq Ft
1955Year Built
$185Per Sq Ft
No CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
11% below
$/sq ft vs community
$185 here vs $208 median sold (12 mo)
Buyer leverage
Strong buyer advantage
274 days on market
7.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~39 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 841 4Th Avenue #32 in Suncoast Towers Apts Co-Op, St Petersburg is listed at $144,500 (780 sq ft, about $185 per sq ft). That sits within a few percent of Suncoast Towers Apts Co-Op's median closed sale of $165,000 over the last 12 months (5 recorded sales). Per square foot it is below the community's recent $208/sq ft by about 11%. It has been 274 days on market, longer than the community's typical 65 days to contract. Listing facts: built in 1955, HOA dues of $599/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1955 · 71 yrs
780 sq ft of living area
Listed at $144,500 — recent neighborhood median sale price ~$165,000 (nearby sales; deemed reliable, not an appraisal)
274 days on market
HOA $599/mo (per listing)
Momentum Research · Suncoast Towers Apts Co-Op
Pricing & the Suncoast Towers Apts Co-Op market
How this home is priced against recent nearby sales, and where Suncoast Towers Apts Co-Op 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.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $185/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
1955BuiltPer public record
Jul 10, 2026First trackedObserved at $160,000
Aug 4, 2026Price cut$149,500
Aug 22, 2026Price cut$144,500
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
$1,554/mo
Principal & interest $751/mo48%
Taxes $126/mo8%
Insurance $78/mo5%
HOA $599/mo39%
$1,554/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Strongest on: Flood safety (95), Pricing power (95)
0 limited50100 exceptional
73/100 is strong 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 area78
This home $185/sq ft vs the community 12-month median $208/sq ft.
Affordability71
List price $144,500 vs the community median $165,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~39 ft elevation. Verify the parcel with FEMA.
Insurance cost50
From FEMA Zone X and a 1955 build. Obtain a property-specific quote.
Market liquidity31
Community median 65 days on market, ~7.2 months of supply (12-month record).
Renovation upside90
From a 1955 build and $185/sq ft vs the community median $208/sq ft. Not a condition assessment.
Pricing power95
Recent sales closed at about 88.9% of original asking (~11.1% below). More room below asking generally favors buyers.
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. 7.2 months of supply in the surrounding market and 274 days on market for this home, against a 65-day area median.Days on market:this home 274Area median: 65 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 2016 through 2026. As of September 12, 2026.
🟡 Asking $185 per square foot, about 11% below the community’s $208 median. Suncoast Towers Apts Co-Op’s 12-month median sold price per square foot is $208. Median sold price per square foot is down 9.5% year over year. 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.
Recent Suncoast Towers Apts Co-Op sales closed near 88.9% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Suncoast Towers Apts Co-Op, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Smart Opportunity with Low HOA—Comfortable Downtown Retreat. Welcome to Unit #32 at Suncoast Towers, a sought-after 55+ community (with a second occupant permitted at 30+) designed for those ready to simplify without sacrificing location, comfort, or quality of life. This delightfully clean, well-cared-for residence features the lowest HOA in the entire building at just $599/month, with no projected increases and a financially stable association—providing predictability and peace of mind for long-term planning.
Even better, the HOA covers electricity (a rare perk), water, sewer, trash, cable/internet, building insurance, interior and exterior maintenance, pest control, making day-to-day living refreshingly simple. Step inside to a bright, inviting space with European furnishings (negotiable) and a sunlit covered lanai with expansive windows for year round use and sunset views. Suncoast Towers offers an intimate, well-maintained mid-rise environment with elevator access, a new roof, new exterior siding, and double-pane hurricane-impact windows installed in 2018.
The building has successfully passed both the Milestone and Structural Integrity inspections, offering added reassurance for buyers prioritizing safety and long-term value. Just outside your door, enjoy a private community garden, shared grilling area, and indoor gathering/card room, fostering an easy sense of community without obligation. The building is pet-friendly, high-and-dry, and located outside the flood zone, further enhancing peace of mind—especially for seasonal residents.
Perfectly positioned in the historic Downtown St. Pete district, this residence places you just blocks from the Pier, waterfront parks, marinas, dining, shopping, banks, cultural venues, medical facilities—including world-class St. Anthony’s Hospital—making this a great opportunity for healthcare providers.
Whether you’re enjoying an active season in the sunshine or simply locking up and heading north, this location supports the lifestyle you want, on your terms. Note: Leasing not permitted. This building is dog friendly with walkability for pet owners to stroll to Round and Mirror lake and a beautiful dog park next door to the building
Description provided by SMITH & ASSOCIATES REAL ESTATE 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$144,500
Bed / bath1 / 1
Living area780 sq ft
Year built1955
Property typeCondominium
MLS #TB8450640
Listing status274 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~39 ft
Windstorm exposureLow
CountyPinellas
Area listings3 active · 0 under contract
Estimated first-year tax~$1,517/yr
CDD assessmentNone on record
HOA (per listing)$599/mo
Calculated estimates
Price per sq ft$185
Estimated monthly payment$1,554
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$165,000
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 SMITH & ASSOCIATES REAL ESTATE · Listing agent: Leigha Hoffman · 727-342-3800Provided 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.
$142,740the mess$181,740
Actual list price: $144,500 — 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 1955 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 — this home carries HOA dues of $599/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 274 days on market vs. a 65-day community median
3 active listings competing
≈7.2 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $144,500 ($185/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: 780 sq ft × $183–$233/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near SUNCOAST TOWERS APTS CO-OP
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.
Listed for $144,500Momentum Realty · on market 274 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.)
~$1,517/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)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$599/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~39 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 841 4TH AVENUE #32?
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 SMITH & ASSOCIATES REAL ESTATE · MLS # TB8450640
Request a showing
Market data · public records
Recent sales activity in SUNCOAST TOWERS APTS CO-OP
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 SUNCOAST TOWERS APTS CO-OP neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Community median sale price
$165,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$208
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SUNCOAST TOWERS APTS CO-OP
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 · Development
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 site is less than a mile west of Suncoast Towers Apts Co Op.
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 less than a mile northeast of Suncoast Towers Apts Co Op.
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 less than a mile west of Suncoast Towers Apts Co Op.
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Pinellas County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jul 2026
$160,000
841 4TH AVENUE #64, ST PETERSBURG
1 / 1 bd/ba · 770 sq ft · $208/sq ft
Courtesy of LPT REALTY LLC · View details →
Sold Jul 2026
$124,500
841 4TH AVENUE #21, ST PETERSBURG
1 / 1 bd/ba · 820 sq ft · $152/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Jul 2026
$165,000
841 4TH AVENUE #53, ST PETERSBURG
1 / 1 bd/ba · 820 sq ft · $201/sq ft
Courtesy of REALTY EXPERTS · View details →
Sold Feb 2026
$216,500
841 4TH AVENUE #65, ST PETERSBURG
1 / 1 bd/ba · 850 sq ft · $255/sq ft
Courtesy of SMITH & ASSOCIATES REAL ESTATE · View details →
Community 12-month median: $208/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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$662 – $963/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate0.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$912 – −$641At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 841 4Th Avenue #32, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1955 (71 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 X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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 780 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 $1,517/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
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.
Stellar MLS, refreshed twice daily (last: September 12, 2026)
Community market stats
Stellar MLS closed sales, as of September 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 841 4Th Avenue #32 and when was it built?
Per the listing record, 841 4Th Avenue #32 was built in 1955 and has 780 sq ft of living area, 1 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 841 4Th Avenue #32 in?
841 4Th Avenue #32 is in Suncoast Towers Apts Co-Op in St Petersburg, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Suncoast Towers Apts Co-Op from the same MLS data.
Does 841 4Th Avenue #32 have an HOA, and how much are the dues?
The listing reports HOA dues of $599 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 841 4Th Avenue #32 differ from the current owner's?
The estimate on this page (about $1,517 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 841 4Th Avenue #32 in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 841 4TH AVENUE #32 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.
