Cindy Fernandez
$605,0004 bd3.5 ba2,320 sqft$261 /sqft$4,669 /mo all-in ↓

217 49TH AVENUE N, ST PETERSBURG, FL, 33703

Active8 days on marketListed Aug 11, 2026MLS #TB8537869

TownhouseSUN KETCH TWNHMS AT NORTHEAST

About this home

217 49TH AVENUE N

Welcome to one of the most coveted and rarely available end units in Sun Ketch, a charming townhome community in Northeast St. Petersburg. Beautifully maintained inside and out, this move-in-ready residence offers peace of mind with concrete block construction on the first floor, brand-new PGT hurricane-impact windows and French doors (2025), and a new roof (2025). Notably, the community experienced no water intrusion during the 2024 hurricanes and sits at an approximate base elevation of 9.4 feet above sea level. Designed with both comfort and functionality in mind, the main living area features an open and inviting floor plan filled with abundant natural light. Rich bamboo flooring flows throughout most of the home, complemented by fresh interior paint, crown molding, and upgraded wood stair treads. The spacious living and dining areas seamlessly connect to the kitchen, which showcases espresso wood cabinetry, granite countertops, stainless steel appliances, bar seating, and a striking exposed brick accent wall that adds warmth and character. A versatile first-floor bedroom or home office and a convenient guest powder room complete the main level. Upstairs, you'll find two generously sized bedroom suites separated by a dedicated laundry room with included washer and dryer. The primary suite features vaulted ceilings, a large walk-in closet, and a luxurious en-suite bathroom with dual vanities, a soaking tub, walk-in shower, linen storage, and a private water closet. The secondary bedroom also offers an en-suite bathroom and spacious walk-in closet, creating privacy and comfort for family members or guests. One of the home's standout features is the private courtyard leading to a detached two-car garage and a separate studio retreat above. Complete with its own full bathroom, this flexible space can serve as a home office, guest suite, media room, fitness studio, creative space, or multi-generational living area. As an end unit, the home enjoys additional privacy and features a private side gate with direct access to the community green space, perfect for pets and outdoor enjoyment. Sun Ketch is exceptionally pet-friendly, with no size, breed, or quantity restrictions for domesticated pets. Residents enjoy access to a community pool with restrooms just steps away. The HOA fee covers exterior maintenance, roof replacement, pool maintenance, landscaping, basic cable, internet service, and termite tenting. Ideally located near the North Bay Trail, you'll enjoy easy access to miles of waterfront biking, running, and walking paths extending all the way to downtown St. Petersburg. Everyday conveniences and local favorites are just minutes away, including Whole Foods, Publix, Crunch Fitness, Root + Clay, Fresh Kitchen, Bonefish, Red Mesa, and other vibrant restaurants, shops, and services along the popular 4th Street corridor. Recent updates and improvements include: Water heater (2026), Washing machine (2026), Whole-house Pelican water filtration and softening system (2020), regularly maintained HVAC systems, and ongoing preventative pest service by Anti-Pesto.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,320

Sqft

0.08 ac

Lot size

2

Garage

2011

Year built

Two

Levels

$261

Per sqft

Inside

FlooringBamboo · Carpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Filtration System · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Open Floorplan · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Window Treatments
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air · Zoned
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesSouth
ParkingDeeded · Garage Door Opener · Garage Faces Rear · Parking Pad
ExteriorCourtyard · French Doors · Hurricane Shutters · Irrigation System · Lighting · Rain Gutters · Sidewalk

Community & fees

HOA fee$470/mo
Taxes (2025)$6,572/yr
PetsNo
CommunityCommunity Mailbox · Deed Restrictions · Pool · Sidewalks

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · Sewer Connected · Sprinkler Meter
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$4,669 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,265
PMI (est., until 20% equity)$227
Property tax — 2025 actual bill$548
HOA fee — from the listing$470
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $60,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $60,500
Interest rate6.00%
Loan term

Estimated payment

$4,669/mo

Principal & interest$3,265
PMI (est., until 20% equity)$227
Property taxes (actual bill)$548
HOA / condo fee$470
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $605K
$523KedgeAI estimate $593,482 · range $545K$714K$743K

vs edgeAI estimate

+1.9%

$/sqft vs St Petersburg actives

$261 vs $344

Days on market

8 vs 58 typical

Where $261/sqft sits among the 400 St Petersburg actives

134 · this home
135
61
28
11
31
$135–272$272–409$409–545$545–682$682–819$819+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Harcourt

Map of 217 49TH AVENUE N inside its neighborhood boundary

Drive times from this address

Downtown Tampa24 min
Tampa Int’l Airport (TPA)25 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Petersburg. See the full St Petersburg guide →

Harcourt — neighborhood snapshot

Population

635

Median age

50

Median income

$57,089

Median home value

$349,167

Avg household

2

Households w/ children

34%

For the school run

Pinellas County School District

ElementaryNorth Shore Elementary School★★★★★
HighNortheast High School★★★★★
MiddleMeadowlawn Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$380K$402K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

232 of 400

St Petersburg actives have cut their price

Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 44% above the ST PETERSBURG 33703 median. See the full St Petersburg market guide →

Paper trail

This home's history

Aug 11, 2026Listed at $605,000 · 8 days on market since
2011Built · SUN KETCH TWNHMS AT NORTHEAST

Reality check

What actually sold near 217 49TH AVENUE N

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

936 31ST AVENUE NESold · Jan ’26

$1,250,000

936 31ST AVENUE NE

4 bd · 3 ba · 2,326 sqft · $537/sqft · 40 DOM

741 30TH AVENUE NSold · May ’26

$554,000

741 30TH AVENUE N

3 bd · 3 ba · 2,327 sqft · $238/sqft · 56 DOM

3265 MAPLE STREET NESold · Dec ’25

$1,800,000

3265 MAPLE STREET NE

3 bd · 3.5 ba · 2,376 sqft · $758/sqft · 122 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 217 49TH AVENUE N — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 217 49TH AVENUE N — before you fall in love.

See it in person

Schedule a tour

Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

217 49TH AVENUE N FAQs

What would the monthly payment be for 217 49TH AVENUE N?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,669/mo — principal and interest, the actual property-tax bill, the $470/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 217 49TH AVENUE N?+

The association fee works out to $470 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 217 49TH AVENUE N?+

The most recent tax bill on record (2025) was $6,572. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 217 49TH AVENUE N?+

The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Petersburg?+

At $605,000, this home is listed about 41% above the St Petersburg median of $430,000. The market section on this page shows how the area is trending.

Which schools are assigned to 217 49TH AVENUE N?+

North Shore Elementary School (elementary), Northeast High School (high), Meadowlawn Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of CORCORAN DWELLINGS · Kyle Hickey. MLS #TB8537869.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

Never miss a listing

New St Petersburg homes, in your inbox

Like 217 49TH AVENUE N but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Cindy to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 19, 2026 at 1:07 PM UTC. The listing information on this page last changed on August 19, 2026 at 1:07 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 19, 2026 at 1:07 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 19, 2026 at 1:07 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.