South Causeway Isle Yacht Club Estates in St. Petersburg

South Causeway Isle
Yacht Club Estates Homes for Sale in St. Petersburg, FL

Established waterfront pocket · Pinellas County · ZIP 33707

A waterfront single-family neighborhood on the finger islands of Causeway Isles, between Gulfport and Treasure Island.

Waterfront single-familyPrivate docks, no fixed bridgesBoca Ciega Bay to Gulf

Live Market Pulse

38/100
Momentum

Buyer's Market (limited data)

This is a low-lying waterfront pocket on the barrier-adjacent finger islands, so the honest read is the boating access, then the flood zone, the FEMA 50 percent rule, and the insurance by parcel after the 2024 storms, not a single neighborhood average.

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Unlock Off-Market South Causeway Isles

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

$1.10M

Median Price

9.6mo

Supply

161days

Avg DOM

Soft

Seller Leverage

$518/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"South Causeway Isle Yacht Club Estates is a waterfront single-family neighborhood within the Causeway Isles area of St. Petersburg, laid out on finger islands along Boca Ciega Bay and the Intracoastal Waterway between Gulfport and Treasure Island (mygulfcoastproperty.com / homes.com, 2026). The draw is the water: Causeway Isles dates back to 1956, nearly every waterfront home has a private boat dock, and with no fixed bridges boaters reach the Intracoastal and are minutes from the Gulf (homesbykendrafl.com / mygulfcoastproperty.com, 2026). The binding constraints are flood and insurance: most of these low-lying island lots are in a FEMA special flood hazard area, the FEMA 50 percent substantial-improvement rule governs major repairs and rebuilds in St. Petersburg flood zones, and the area took storm surge during the 2024 hurricane season from Helene (City of St. Petersburg, 2025). Buy the lot, the waterfront and boating access, and the elevation, then read the elevation certificate, permits, 2024 storm and repair history, and flood and windstorm insurance for the exact address."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

South Causeway Isle Yacht Club Estates market snapshot (as of June 25, 2026): the median sale price is about $1.1M ($518 per sq ft), with homes averaging 161 days on market and 9.6 months of supply, a buyer's market (limited data). Based on 5 recent closings in live Stellar MLS data.

South Causeway Isle Yacht Club Estates is a waterfront single-family neighborhood, the South Causeway Isle Yacht Club plat, within the Causeway Isles area of St. Petersburg in the 33707 ZIP. It sits on finger islands along Boca Ciega Bay and the Intracoastal Waterway, between Gulfport and Treasure Island (mygulfcoastproperty.com / homes.com, 2026).

The boating is the point. Causeway Isles dates back to 1956, nearly every waterfront home has a private boat dock, and with no fixed bridges boaters reach the Intracoastal and are minutes from the Gulf. The neighborhood connects to the mainland and Treasure Island via Central Avenue, roughly a 6 mile drive to the beach and 9 miles to downtown St. Petersburg (homesbykendrafl.com / mygulfcoastproperty.com, 2026).

Flood and insurance are the defining issues. Most of these low-lying island lots sit in a FEMA special flood hazard area, and the city continues to enforce the FEMA 50 percent substantial-improvement rule, under which repairs and improvements that reach half of a structure's value can require the home to be elevated or rebuilt to current flood standards in St. Petersburg flood zones (City of St. Petersburg, 2025).

The area also took storm surge during the 2024 hurricane season from Helene, so for any home here the honest read is the flood zone, the elevation certificate, the repair and permit history, the FEMA 50 percent math, and a current flood and windstorm insurance quote for the exact address.

Quick Match

Who South Causeway Isles is best for.

Best for

Boaters who want a private dock with no fixed bridges to the Intracoastal and Gulf
Buyers comfortable with low-lying waterfront flood and insurance realities
Renovators or builders who understand the FEMA 50 percent rule
Buyers who value a waterfront setting between Gulfport and Treasure Island

Probably not for

Buyers who want to avoid flood zones and high windstorm premiums
Anyone unwilling to read the elevation, permits, and FEMA 50 percent math
Buyers who want a maintenance-free, amenity-rich master plan
Buyers expecting low, predictable carrying costs on the water

Market Pulse

How South Causeway Isles is performing right now

38/100
momentum

Buyer's Market (limited data)

Seller's marketBalancedBuyer's market

9.6Months of supplytight

168Median days on marketdays

1 : 4Under contract vs for salestrong demand

5Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+19%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current South Causeway Isles listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Shore Acres or St. Petersburg. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now4 : 1active : pending

For sale4

Pending1

Sold 12mo5

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in South Causeway Isle Yacht Club Estates buys, holds, and resells. See the five factors.

Homes For Sale Right Now in South Causeway Isles

Live MLS inventory for South Causeway Isle Yacht Club Estates. 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 · 177 daysTop listing

$4,445,000

4 bd · 4 ba · 3,685 sqft · built 2019

7801 9Th Avenue, ST PETERSBURG, 33707

Strong resaleLakefront

Listed by LPT REALTY, LLC

Active · 305 days

$1,800,000

3 bd · 2.5 ba · 3,410 sqft · built 1972

900 79Th Street, ST PETERSBURG, 33707

Strong resaleRenovatedBest value

Listed by EPIQUE REALTY, INC.

Active · 159 days

$1,799,000

3 bd · 3 ba · 2,554 sqft · built 1960

7827 9Th Avenue, ST PETERSBURG, 33707

Strong resaleRenovatedLakefront

Listed by COASTAL HOME ADVISORS RE

Active · 3 days

$999,000

4 bd · 2 ba · 2,548 sqft · built 1961

7962 9Th Avenue, ST PETERSBURG, 33707

Strong resaleReno opportunityBest value

Listed by COLDWELL BANKER REALTY

Pending · 109 days

$5,750,000

5 bd · 4.5 ba · 6,032 sqft · built 2006

7800 9Th Avenue, ST PETERSBURG, 33707

Strong resaleLakefront

Listed by CENTURY 21 JIM WHITE & ASSOC

Active and pending South Causeway Isles listings as of 2026-06-25, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.

Interactive Map

South Causeway Isles on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

South Causeway Isles trades low-lying waterfront flood and insurance reality for direct deep-water boating with no fixed bridges, a short hop to Gulfport, Treasure Island, and the Gulf, with Central Avenue to the mainland and downtown St. Petersburg.

Drive times from the Causeway Isles finger islands. They are approximate and vary with traffic and your exact lot.

Treasure Island Beach (Gulf)~12 to 15 min · via Central Ave, ~6 miles

Gulfport waterfront district~8 to 10 min · shops and dining

Downtown St. Petersburg~18 to 22 min · ~9 miles

Central Ave corridor~5 to 8 min · mainland access

Tampa International Airport~35 to 45 min · via I-275

St. Pete-Clearwater Airport~25 to 30 min · via Roosevelt

Local hospitals~15 to 20 min · St. Petersburg

Distances and drive times are approximate and vary with traffic and your specific parcel. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near South Causeway IsleYacht Club Estates Homes for Sale in St with Momentum Realty’s local guides.

PGPasadena GolfClub Estates Homes for Sale in StSt. Petersburg, FL · 0.2 mi PGPasadena on the Gulf Homes for Sale in StSt. Petersburg, FL · 0.3 mi SCSouth CausewayIsle Homes for Sale in StSt. Petersburg, FL · 0.4 mi LCLes Chateauxdes Rois Homes for Sale in South Pasadena, FLSouth Pasadena, FL · 0.4 mi SCSouth Causeway IsleStSt. Petersburg, FL · 0.5 mi BIBay Island Homes for Sale in South Pasadena, FLSouth Pasadena, FL · 0.5 mi BIBay Island Group 11 Homes for Sale in South Pasadena, FLSouth Pasadena, FL · 0.5 mi BIBay Island Group 6 Homes for Sale in South Pasadena, FLSouth Pasadena, FL · 0.6 mi PTPasadena Terrace Homes for Sale in StSt. Petersburg, FL · 0.6 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

South Causeway Isles (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Pinellas County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

South Causeway Isles is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any South Causeway Isles address.

The takeaway

What is actually shaping value here: the FEMA 50 percent substantial-improvement rule and flood-zone enforcement, recovery from the 2024 storms across St. Petersburg, and the enduring draw of direct deep-water boating access with no fixed bridges. Each item is sourced and linked.

Recent Developments in South Causeway Isle Yacht Club Estates

Development Intelligence

Our read on what is being built around South Causeway Isles, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishWaterfront demand for private docks with no fixed bridges supports prices, while the watch items are flood-insurance cost, the FEMA 50 percent rule on older homes, and the pace of post-storm rebuilding.

FEMA 50 percent substantial-improvement rule enforced

2024-2026

BearishMajor impact

SignificanceRadius: Area

With most low-lying island lots in the flood hazard area, repairs reaching half a home's value can require elevation or rebuilding in St. Petersburg flood zones, reshaping older-home economics.

Waterfront boating access with no fixed bridges

Ongoing

BullishMajor impact

SignificanceRadius: Area

Private docks and direct, height-unlimited access to the Intracoastal and the Gulf underpin long-run demand for well-elevated waterfront homes.

Recovery from the 2024 storm surge

2024-2026

NeutralMajor impact

SignificanceRadius: Area

Hurricane Helene drove surge across the area in 2024, so repair history, permits, and substantial-damage determinations are central diligence.

Low-lying waterfront flood and windstorm insurance

Ongoing

BearishNotable impact

SignificanceRadius: Community

Flood and windstorm premiums are a major carrying cost and vary sharply with elevation and construction, so they have to be quoted per home.

Location between Gulfport and Treasure Island

Ongoing

BullishNotable impact

SignificanceRadius: Area

A setting on Boca Ciega Bay near Gulfport, Treasure Island, and the Gulf supports demand for the finger-island waterfront.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting South Causeway Isle Yacht Club Estates, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

January 2025
Regulation
St. Petersburg continues FEMA 50 percent and flood-zone enforcement after the 2024 storms
City of St. Petersburg recovery guidance reflects continued enforcement of the FEMA 50 percent substantial-improvement and substantial-damage rule and flood-zone requirements as the city recovers from the 2024 storms, including Helene, with most low-lying waterfront properties in the special flood hazard area. Why it matters: On the finger islands, the FEMA 50 percent math should be run before planning any major renovation or rebuild. Source
January 2026
Lifestyle
The enduring boating draw: deep-water access with no fixed bridges
Local waterfront listings continue to highlight the Causeway Isles draw: nearly every home has a private boat dock, and with no fixed bridges boaters reach the Intracoastal Waterway and are minutes from the Gulf. Why it matters: Direct, height-unlimited water access remains the durable value driver buyers should weigh against the flood and insurance costs. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The South Causeway Isles buying strategy.

If we were buying in South Causeway Isles, this is the order of operations we would run, and the one we run for our clients.

Run the flood zone and elevation first. On these low-lying finger islands, the FEMA flood zone, the base flood elevation, and the elevation certificate drive everything.

Read the FEMA 50 percent rule for the home. Repairs and improvements that reach half the structure value can force elevation or rebuilding in St. Petersburg flood zones, so understand the math before you plan work.

Pull the storm and permit history. The area took 2024 surge from Helene, so check repair records, permits, and any substantial-damage determination for the exact address.

Quote flood and windstorm insurance early. On low-lying waterfront, premiums are a major carrying cost and can change the deal, so quote the specific home.

Buy the lot, the dock, and the boating access, then cross-shop nearby waterfront pockets such as Shore Acres to test value.

The Quick Decision

Best Buy

A well-elevated or recently rebuilt home on a strong waterfront lot with a usable dock

Biggest Risk

A substantially damaged older home facing the FEMA 50 percent rule

Best Lot

A higher-elevation parcel with deep-water dock access and no fixed bridges

Smart Timing

Confirm flood, elevation, FEMA 50 percent, and insurance before you offer

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

South Causeway Isle Yacht Club Estates is a waterfront single-family neighborhood rather than an amenity community, so the lifestyle is the water: a private boat dock at most homes, no fixed bridges to the Intracoastal and the Gulf, and a setting on Boca Ciega Bay between Gulfport and Treasure Island, with St. Petersburg city services rather than private amenities. Because this is a low-lying flood-zone area that took 2024 surge from Helene, confirm the specific home's flood zone, elevation, dock and seawall condition, repair history, and the FEMA 50 percent status before you buy.

South Causeway Isles Homes For Sale

What your money buys in South Causeway Isles.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in South Causeway Isles today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry Waterfront Home

$800K to $1.10M

An older finger-island home, the affordable way onto the water here, where elevation, condition, dock, and the FEMA 50 percent rule drive value.

Lowest entry

The Updated or Elevated Home

$1.10M to $2.90M

A renovated or elevated home on a solid waterfront lot with a usable dock, the heart of the resale market, where compliance and condition set the number.

Most inventory

The Top

$2.90M to $3.90M

A newer home built to current flood standards on a prime deep-water lot with no fixed bridges, the stock that holds value best on the finger islands.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$1.10M buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$800K to $1.10M

The Entry Waterfront Home

An older finger-island home, the affordable way onto the water here, where elevation, condition, dock, and the FEMA 50 percent rule drive value.

$1.10M to $2.90M

The Updated or Elevated Home

A renovated or elevated home on a solid waterfront lot with a usable dock, the heart of the resale market, where compliance and condition set the number.

$2.90M to $3.90M

The Top

A newer home built to current flood standards on a prime deep-water lot with no fixed bridges, the stock that holds value best on the finger islands.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in South Causeway Isles, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in South Causeway Isles is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well South Causeway Isles holds value.

Our read on the factors that protect resale here, and the one to manage.

Elevation or rebuild to codeOften the value-defining move here

Dock and seawall conditionCore waterfront value and insurance driver

Impact windows and doorsWind and insurance value

Kitchen and bath updatesStandard refresh, recoverable

Roof and major systemsOlder stock, budget and insurance driven

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in South Causeway Isles

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

On the Causeway Isles finger islands, you are buying the lot, the dock, and the boating access, then living with the flood zone, the FEMA 50 percent rule, and the insurance.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

6.6B- · Buy Score

Resale Strength6.7/10

Renovation Risk6.3/10

Location Efficiency8.0/10

Long-Term Defensibility6.4/10

Carrying Cost Advantage4.3/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on South Causeway Isles is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

The lot, the dock, and the elevation, not the house, carry the value
Verify the FEMA flood zone and base flood elevation per address
The FEMA 50 percent rule can force elevation or rebuild
Check the 2024 storm, dock, and permit history for the exact home
Quote flood and windstorm insurance before the finishes

On low-lying finger islands, the lot, its elevation, and its deep-water dock access are the part of your money the market protects. Higher-elevation parcels and homes already built or rebuilt to current flood standards hold value better than older, lower homes exposed to the FEMA 50 percent rule. The house can be elevated, renovated, or replaced; the flood zone, the elevation, and the waterfront access with no fixed bridges cannot. Read the flood map, the elevation certificate, and the FEMA 50 percent math first, then price the condition of the home and its dock against it.

The 15-Second Verdict

South Causeway Isles in 15 seconds.

Best forBoaters who want a private dock with no fixed bridges to the Intracoastal and Gulf.

Biggest advantageDirect deep-water access on finger islands between Gulfport and Treasure Island.

Biggest riskFlood, the FEMA 50 percent rule, and insurance after the 2024 storms.

Sweet spotA well-elevated or rebuilt home on a strong waterfront lot with a usable dock.

Avoid ifYou want to avoid flood zones and high windstorm premiums.

HOA, Flood & Insurance

15-Second Take

Most homes likely carry no mandatory HOA, confirm any HOA per parcel
Flood and windstorm insurance is the major carrying cost
Most low-lying island lots are in a FEMA flood hazard area
The FEMA 50 percent rule governs major repairs and rebuilds
Check elevation, permits, dock, and 2024 storm history per address

Most homes in an older waterfront single-family pocket like this are likely not in a mandatory HOA, so carrying cost is driven by flood and windstorm insurance, taxes, and maintenance rather than dues. Flood and windstorm premiums on low-lying waterfront can be substantial, so quote them for the exact address and confirm any HOA per parcel.

Where there is no HOA, there are no community amenities or dues, and upkeep, including the private dock and seawall, is the owner's. The neighborhood relies on the water, Boca Ciega Bay, and St. Petersburg city services rather than private amenities. Confirm any specific parcel's situation, including HOA status, flood zone, and the FEMA 50 percent status.

Run Your Numbers

Tools for a South Causeway Isles buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPinellas County millage and the homestead picture.Rent vs buyThe breakeven on owning in South Causeway Isles.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in South Causeway Isles

Price to the elevation, the dock, and the flood reality, not a waterfront average.

Selling here means pricing to your home's elevation, dock and water access, condition, and flood and insurance reality, not a generic waterfront average. A well-elevated or rebuilt home with a usable dock commands a very different number from an older, lower home facing the FEMA 50 percent rule.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In South Causeway Isles, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Shore Acres, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your South Causeway Isles home worth?

Get a no-obligation home value based on real comparable sales in South Causeway Isles matched to your condition, lot, and view, 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 South Causeway Isle Yacht Club Estates on the map →
Or get your South Causeway Isle Yacht Club Estates home value & selling guide →

Real comps, not a Zestimate.

How much local inventory is already under contract

22% of homes for sale in ZIP 33707 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 (2026-06-25).

South Cswy Isle Yacht Club Add St Petersburg Market Scorecard

Strong buyer's market

South Cswy Isle Yacht Club Add St Petersburg is currently a strong buyer's market. About 9.6 months of supply, a median asking price of $1,799,500, and homes go under contract in about 168 days.

9.6

Months supply

$1,799,500

Median list

$1,100,000

Median sold

$616

Per sqft

168

Days on mkt

4/1/5

Active/Pend/Sold

Typical home value in the 33707 ZIP is $363,707, about 6.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is South Causeway Isle Yacht Club Estates?

It is a waterfront single-family neighborhood, the South Causeway Isle Yacht Club plat, within the Causeway Isles area of St. Petersburg in the 33707 ZIP, on finger islands along Boca Ciega Bay and the Intracoastal Waterway between Gulfport and Treasure Island (mygulfcoastproperty.com / homes.com, 2026).

What kind of homes are here?

These are waterfront single-family homes on finger-island lots, most with a private boat dock. Causeway Isles dates back to 1956, so condition, elevation, and the specific lot vary a great deal and matter more than any neighborhood average.

What is the boating access like?

Nearly every waterfront home has a private boat dock, and with no fixed bridges boaters reach the Intracoastal Waterway and are minutes from the Gulf (homesbykendrafl.com / mygulfcoastproperty.com, 2026). Confirm depth, seawall, and dock condition per address.

Is this area in a flood zone?

Most of these low-lying island lots are in a FEMA special flood hazard area, so assume flood exposure and verify the FEMA flood zone, base flood elevation, and elevation certificate for the exact home.

What is the FEMA 50 percent rule?

It is the substantial-improvement and substantial-damage rule: when the cost to repair or improve a home in the flood hazard area reaches 50 percent of its value, the home generally must be elevated or rebuilt to current flood standards. St. Petersburg continues to enforce it in its flood zones (City of St. Petersburg, 2025).

Did this area flood in the 2024 storms?

The area took storm surge during the 2024 hurricane season from Helene (City of St. Petersburg, 2025). Check the repair history, permits, and any substantial-damage determination for any specific home.

Does the neighborhood have an HOA?

Most homes in this older waterfront single-family pocket are likely not in a mandatory HOA, so carrying cost is mainly flood and windstorm insurance, taxes, and maintenance. Confirm whether any specific parcel carries an HOA.

How much is insurance here?

Flood and windstorm premiums on low-lying waterfront can be substantial and vary with elevation, construction, and claims history. Always quote both for the exact address before you commit.

How far is the beach and downtown?

The neighborhood connects to the mainland and Treasure Island via Central Avenue, roughly a 6 mile drive to the beach and about 9 miles to downtown St. Petersburg (homesbykendrafl.com / mygulfcoastproperty.com, 2026).

Can I tear down and rebuild?

Often yes, subject to current flood-elevation and zoning standards, and the FEMA 50 percent rule frequently pushes substantially damaged homes toward elevation or rebuild in St. Petersburg flood zones. Confirm the specific requirements with the city before you plan.

Is this a good investment?

Direct deep-water boating access with no fixed bridges supports demand, but flood exposure, insurance cost, and the FEMA 50 percent rule are real constraints. The lot, the dock, the elevation, and insurability drive the outcome, and this is not a guarantee of future value.

Why does pricing vary so much here?

Because the neighborhood mixes older homes and rebuilt or elevated homes on different finger-island lots, each with its own flood, elevation, dock, and insurance picture. The lot, the elevation, and the water access, not the neighborhood name, set the price.

What is the no fixed bridges point about?

With no fixed bridges between the canals and open water, boats are not height-limited reaching the Intracoastal and the Gulf, which is a meaningful draw for larger or sailing vessels. Confirm clearances and depth for your boat per address.

The Verdict

Should you buy in South Causeway Isles?

An honest fit check. We will tell you when it is not your community.

Boaters who want a private dock with no fixed bridges to the Intracoastal and GulfExcellent fit

Buyers comfortable with low-lying waterfront flood and insurance realitiesExcellent fit

Renovators or builders who understand the FEMA 50 percent ruleExcellent fit

Buyers who value a waterfront setting between Gulfport and Treasure IslandExcellent fit

Buyers who will verify elevation, permits, dock, and insurance per parcelExcellent fit

Buyers who want to avoid flood zones and high windstorm premiumsProbably not

Anyone unwilling to read the elevation, permits, and FEMA 50 percent mathProbably not

Buyers who want a maintenance-free, amenity-rich master planProbably not

Buyers expecting low, predictable carrying costs on the waterProbably not

Buyers who want certainty rather than waterfront risk and rewardProbably not

Get the inside read on South Causeway Isles

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your South Causeway Isles home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty South Causeway Isles specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in South Causeway Isle Yacht Club Estates — what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX 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; deemed reliable but not guaranteed by MLS GRID.

South Causeway IsleYacht Club Estates Homes for Sale in St. Petersburg, FL

The 60-Second Overview

Who South Causeway Isles is best for.

Best for

Probably not for

How South Causeway Isles is performing right now

Homes For Sale Right Now in South Causeway Isles

South Causeway Isles on the map.

How far is everything?

Nearby Communities

Schools

Recent Developments in South Causeway Isle Yacht Club Estates

FEMA 50 percent substantial-improvement rule enforced

Waterfront boating access with no fixed bridges

Recovery from the 2024 storm surge

Low-lying waterfront flood and windstorm insurance

Location between Gulfport and Treasure Island

St. Petersburg continues FEMA 50 percent and flood-zone enforcement after the 2024 storms

The enduring boating draw: deep-water access with no fixed bridges

The South Causeway Isles buying strategy.

The full read, only if you want it.

What your money buys in South Causeway Isles.

What ~$1.10M buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well South Causeway Isles holds value.

5 Mistakes Buyers Make in South Causeway Isles

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on South Causeway Isles is different.

Which Lots & Views Hold Value Best

South Causeway Isles in 15 seconds.

HOA, Flood & Insurance

Tools for a South Causeway Isles buy.

Price to the elevation, the dock, and the flood reality, not a waterfront average.

In South Causeway Isles, condition and view decide your number

What is your South Causeway Isles home worth?

Price History: What Homes Here Have Actually Sold For

South Cswy Isle Yacht Club Add St Petersburg Market Scorecard

Frequently Asked Questions

Should you buy in South Causeway Isles?

Get the inside read on South Causeway Isles

You are all set.

Need to sell fast in Pinellas County?

You just read the data. Now see what your home is worth.

South Causeway Isle
Yacht Club Estates Homes for Sale in St. Petersburg, FL