Harper Terrace
Homes for Sale in St. Petersburg, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Harper Terrace in St Petersburg, FL has 1 home for sale. As of September 2026, the MLS records 7 closed sales in Harper Terrace in St Petersburg, FL since 2004, the most recent in March 2025. Across St Petersburg as a whole, 3,719 homes closed in the last 12 months at a median of $435,000, 44 median days on market, with 1,078 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $8,430 ($7,620 with the full homestead exemption).
Harper Terrace is an older St Petersburg pocket where the housing stock tells the story more than any single price point could. With a median year built of 1950 inside a range that stretches all the way to 2024, this is a community where the age and condition of an individual structure — not the address — does most of the work in setting value. Two homes on the same block can sit a century apart in construction, and that spread shows up in how each one shows and how it's priced.
The homestead share sitting just under 60% suggests a meaningful base of owner-occupied households mixed with investment and secondary-use inventory, which keeps the market from moving in lockstep. For buyers, that means doing real diligence on any specific listing rather than assuming a neighborhood-wide condition or price posture. For sellers, it means a well-maintained or updated home in Harper Terrace has room to stand out against older, unrenovated stock nearby.
The 60-Second Overview
Harper Terrace is a 145-home community in St Petersburg, Pinellas County, built out over more than a century — from 1920-era construction through homes completed as recently as 2024. The median home here was built in 1950 and runs just over 1,400 square feet, with no community amenities identified in current MLS listings, pointing to a lot-and-house market rather than an amenity-driven one.
Stellar MLS sales records identify 7 homes in Harper Terrace that have changed hands since 2010, built between 1926 and 1995 (median 1956), with a median living area of about 1,150 sq ft and a typical 2-bedroom, 1-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
Who Harper Terrace is best for.
Best for
- Buyers looking for an older St Petersburg property with room to select a specific construction era rather than a mass-built subdivision
- Buyers who prioritize a house and lot over shared community amenities
- Buyers comfortable doing home-by-home diligence on age and condition rather than relying on a uniform neighborhood standard
Probably not for
- Buyers who want a community-managed pool, clubhouse, or other shared amenity as part of the purchase
- Buyers who prefer construction consistency across the neighborhood so every home is roughly the same age
- Buyers unwilling to budget for condition variables in a housing stock that spans over a century of construction
The market around Harper Terrace
Harper Terrace is too small for its own price trend, so here is the market around it.
In ZIP 33704, 135 homes are on the market and 27% are under contract — a steady corner of St Petersburg.
Across Pinellas County, 6,628 homes are active and 1,729 pending (21% under contract).
In ZIP 33704 (St Petersburg), 459 homes closed in the last 12 months at a median of $782K ($440/sq ft), up 16.8% year over year, with a median 47 days on market. Right now 48 active and 23 pending listings put supply at about 3.1 months — a healthy market. See the live ZIP 33704 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Harper Terrace specifically. Momentum Research analysis of MLS records.
Harper Terrace Market Scorecard
Harper Terrace is currently a thin data market. Limited supply, a median asking price of $619,000, and homes go under contract in about 106 days.
Typical home value in the 33704 ZIP is $740,768, about 44.7% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Harper Terrace
Live MLS inventory for Harper Terrace. 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 Harper Terrace listings as of 2026-09-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2025. Tap any home to ask about it.
The Harper Terrace buying strategy.
If we were buying in Harper Terrace 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 Harper Terrace.
A Century of Construction in One Zip
The defining fact about Harper Terrace is the year-built spread. A range from 1920 to 2024 inside a single 145-home community means this isn't a subdivision built in one phase by one builder — it's an assembled neighborhood where original mid-century houses sit alongside recent construction and everything in between. The median build year of 1950 confirms that older homes still anchor the middle of the market, even with newer product mixed in.
That construction spread is the main variable buyers need to price around. A 1950-era home with original systems is a different purchase than new construction on the same street, even if both carry the Harper Terrace name. With no listed community amenities, there's also no shared pool, clubhouse, or gated feature absorbing part of the value — what you're buying is the structure and the lot, plain and simple, at a median size just over 1,400 square feet.
The location and the amenities are priced into every listing in Harper Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community spanning over a hundred years of construction, the comp set for any given home is narrower than the neighborhood name suggests. We pull comparables by actual build era and condition, not just by boundary, so you're not pricing a 2024 build against a 1920s original or vice versa.
Harper Terrace in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Harper Terrace 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 Harper Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harper Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harper Terrace home worth?
Get a no-obligation home value based on real comparable sales in Harper Terrace, 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 Harper Terrace on the map →
Should you buy in Harper Terrace?
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: September 14, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2004 (7 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.
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See how Harper Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Harper Terrace. These are the public schools most often assigned to other communities in ZIP 33704; zones change and vary by address, so confirm with the district before you buy.
- John Hopkins Middle School · Middle · FLDOE grade B (assigned to 5 nearby communities)
- North Shore Elementary · Public · FLDOE grade A (assigned to 3 nearby communities)
- North Shore Elementary School · Elementary · FLDOE grade A (assigned to 3 nearby communities)
- St. Petersburg High School · High · FLDOE grade A (assigned to 3 nearby communities)
- John Hopkins Middle · Public · FLDOE grade B (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Harper Terrace
Where is Harper Terrace?
Harper Terrace is a community in St Petersburg, Pinellas County, Florida, ZIP 33704.
Are there homes for sale in Harper Terrace right now?
Yes — 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Harper Terrace have an HOA or CDD?
No HOA is on record for Harper Terrace in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Harper Terrace with Momentum Realty’s local guides.