Cluster Homes
Homes for Sale in St Petersburg, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
Homes listed or recently sold were built 1986–1988; 4 of 5 report an HOA (median $928/mo); 3 of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft). As of October 2026, the MLS records 25 closed sales in Cluster Homes in St Petersburg, FL since 2015, the most recent in August 2026. Across St Petersburg as a whole, 3,867 homes closed in the last 12 months at a median of $437,500, 43 median days on market, with 2,260 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $8,480 ($7,670 with the full homestead exemption).
Last 30 days in Cluster: 2 new listings (median asking $449,450). As of October 20, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.

Cluster Homes is a compact, single-vintage pocket in St Petersburg — 71 homes built inside a tight window from 1984 to 1988, with a median around 1,210 square feet. When stock is this uniform in age and size, price is driven far less by floor plan and far more by condition and updates. Two homes on the same street can trade well apart depending on whether the kitchen, systems, and roof have been touched.
The median year built is 1987, so buyers should underwrite for age-appropriate maintenance and sellers should expect the updated homes to set the pace. With no recent closings in the current window here, there isn't fresh transaction data to anchor a number to, which puts more weight on condition and comparable evidence from the wider area. Come in with eyes open on inspections rather than on square footage alone.
Figures in this note are as of July 13, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Cluster right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
This is a small, coherent community of similarly aged homes near the middle of the size spectrum — the kind of place where the value story is about how well an individual home has been maintained, not about which model you picked.
Stellar MLS sales records identify 25 homes in Cluster Homes that have changed hands since 2014, built between 1984 and 1988 (median 1986), with a median living area of about 1,210 sq ft and a typical 2-bedroom, 2.5-bath layout. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 11 qualified sales in Cluster Homes across 2024–2025 (9 in 2024, 2 in 2025), median $386,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
The setting & the homes.
Aerial and on-site photos of Cluster Homes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Cluster Homes; content deemed reliable but not guaranteed.
Who Cluster Homes is best for.
Best for
- Buyers wanting a manageable, roughly 1,200-square-foot home and willing to budget for age-appropriate updates
- Owner-occupant buyers planning to hold, who value a stable, low-turnover community
- Value-focused buyers ready to move quickly when a well-maintained home lists
Probably not for
- Buyers who need substantially more living space than the median footprint here offers
- Buyers wanting new construction or move-in-ready homes with no maintenance runway
- Buyers who need constant inventory and many options to compare at once
The market around Cluster Homes
Cluster Homes is too small for its own price trend, so here is the market around it.
In ZIP 33703, 271 homes are on the market and 29% are under contract — a steady corner of St Petersburg.
Across Pinellas County, 6,539 homes are active and 1,627 pending (20% under contract).
In ZIP 33703 (St Petersburg), 892 homes closed in the last 12 months at a median of $415K ($322/sq ft), up 7.2% year over year, with a median 47 days on market. Right now 172 active and 62 pending listings put supply at about 4.6 months — a balanced market. See the live ZIP 33703 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Cluster Homes specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Cluster Homes
Live MLS inventory for Cluster Homes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Cluster Homes listings as of 2026-10-19, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. Tap any home to ask about it.
Cluster Homes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- North Shore Elementary-PN · Elementary
- Meadowlawn Middle-PN · Middle
- Northeast High-PN · High
Zoned schools reflect the assignments reported on recent Cluster Homes listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Cluster Homes address.
The Cluster Homes buying strategy.
If we were buying in Cluster Homes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cluster Homes.
A single-vintage pocket where condition is the variable
With only 71 homes and a build range spanning just five years, Cluster Homes reads as one deliberate era rather than a patchwork of phases. The median living area of roughly 1,210 square feet points to efficient, right-sized floor plans — enough for comfortable living without the maintenance load of a larger footprint. Because the homes are so similar on paper, the differences that matter are the ones you find in person: roofs, HVAC, plumbing, electrical, and whether prior owners modernized or left things original.
About 69% of homes here carry a homestead exemption, which tells you this is a community held largely by owner-occupants rather than dominated by turnover or short-term holds. That tends to translate to steadier upkeep and a slower, more deliberate resale cadence. For a buyer, it means less frequent inventory and a premium on being ready to move when a well-kept home lists.
The location and the amenities are priced into every listing in Cluster Homes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a small, low-turnover community with no recent closings to lean on, pricing has to be built from condition and the best available comparable evidence rather than from a convenient headline number. We do that work honestly — flagging the deferred-maintenance items that move value in 1980s homes and telling you when a listing's ask isn't supported. That candor protects both buyers underwriting an older home and sellers who want a price that actually holds.
Cluster Homes in 15 seconds.
Tools for a Cluster Homes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cluster Homes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Cluster Homes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Cluster Homes home worth?
Get a no-obligation home value based on real comparable sales in Cluster Homes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Cluster Homes on the map →
Recently off market in Cluster Homes
Homes in Cluster Homes that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 699 Malta Court · off market
| Location | St Petersburg, Pinellas County, FL · ZIP 33703 |
|---|---|
| Homes in the community | 70 (FL DOR 2025 assessment roll) |
| Years built | 1984–1988 (median 1987.0) |
| Typical living area | 1,210 sq ft (median) |
| Home types (current listings and sales) | townhouses 60%, condos 40% |
| Amenities listed by sellers | Pool, Gated Community - Guard, Buyer Approval Required, Community Mailbox, Irrigation-Reclaimed Water, No Truck/RV/Motorcycle Parking |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 69% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cluster Homes key facts,” movewithmomentum.com/neighborhoods/cluster-homes, data as of September 20, 2026.
Housing distress & ownership in Cluster Homes, St Petersburg
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in Cluster Homes
The newest homes for sale in Cluster Homes right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 4843 Napoli Court $299,900 · 2 bd · 2.5 ba · 1,210 sq ft · 12 days on market Courtesy of COMPASS FLORIDA LLC
- 629 Segovia Court #405 $599,000 · 3 bd · 2.5 ba · 2,159 sq ft · 17 days on market Courtesy of CORCORAN DWELLINGS
Checked against the MLS Oct 20, 2026. All new listings in this market.
Every Home for Sale in Cluster Homes Right Now (2)
All 2 active and pending Cluster Homes listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4843 Napoli Court · $299,900 · 2 bd / 2.5 ba · listed Oct 8, 2026 · listed by Compass Florida Llc
- 629 Segovia Court #405 · $599,000 · 3 bd / 2.5 ba · listed Oct 2, 2026 · listed by Corcoran Dwellings
Recently sold in Cluster Homes
- 673 Segovia Court #702 · sold $420,000
- 699 Malta Court · sold $331,466
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More St Petersburg home searches
- All homes for sale in St Petersburg, FL
- Homes for sale in Pinellas County, FL
- St Petersburg pool homes for sale
- St Petersburg waterfront homes for sale
- Gated communities in St Petersburg
- St Petersburg golf course homes
- Homes under $300K in St Petersburg
- Homes from $300K to $500K in St Petersburg
- 4-bedroom homes for sale in St Petersburg
- St Petersburg home values: what is my house worth?
St Petersburg guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
- Best neighborhoods
- Flood zones
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in St Petersburg? Join Momentum in St Petersburg: 100% commission, one $12K cap.
Email me new listings in Cluster Homes
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Cluster Homes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cluster Homes will answer, and the answer is published on this page for the next buyer.
What it really costs to own in Cluster Homes
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $928/month across 4 MLS listings (most billed monthly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| 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 depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1988 across 5 listings. An original roof here would be about 38 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 for replacement where it fails. |
22% of homes for sale in ZIP 33703 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
Frequently Asked Questions
How many homes are in Cluster Homes?
What share of Cluster Homes is owner-occupied?
When were the homes in Cluster Homes built?
Who is the best real estate agent for Cluster Homes?
How do I find a top St Petersburg real estate agent who knows Cluster Homes?
Can Momentum Realty connect me with an agent for Cluster Homes?
Where is Cluster Homes, and what county is it in?
Should you buy in Cluster Homes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 19, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 33703)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2015 (25 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Cluster Homes fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Cluster Homes with Momentum Realty’s local guides.










