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$990,000

Beds
2
Baths
2.5
sq ft
1,530

3626 10th St NE, Saint Petersburg, FL 33704

3626 10th St NE

ST PETERSBURG, FL 33704

  • 1 day on market
    • Open house Mar 15
Boater’s Paradise on Smacks Bayou – NE St. Petersburg!! THIS HOME DID NOT FLOOD! Set on the tranquil, protected waters of Smacks Bayou, this boater’s dream home offers direct access to the best of St. Petersburg’s waterfront lifestyle. With a private dock and 16,000 lb boat lift, you can be on the water in minutes—cruising through Tampa Bay, exploring nearby islands, or heading downtown for waterfront dining, museums, and entertainment. This 67x110 waterfront lot sits at approximately 12' elevation and has remained untouched by recent storms, offering both security and stunning westerly views. The open floor plan seamlessly connects indoor and outdoor living, with sliding glass doors leading to a spacious deck where you can soak in breathtaking sunsets after a day on the water. For those who love to kayak or paddleboard, the protected no-wake zone offers calm waters perfect for a morning paddle alongside dolphins and manatees. A spacious open floor plan offers a formal and casual living area and formal dining. The spacious kitchen, complete with stainless steel appliances, ample cabinetry, and a breakfast bar for casual dining, opens to a sunroom with panoramic water views, making it the ideal spot to watch dolphin and manatee play while having your morning coffee. The primary suite features an en suite bath, while the large guest bedroom provides comfort for visitors. A circular driveway leads to a two-car garage which includes a half bath and plenty of storage—perfect for all your boating and fishing gear. Located in a boating family-friendly neighborhood, this home is just steps from Crisp Park’s public boat ramp and a short ride to Whole Foods, Publix, Trader Joes, and Fresh Market. Convenient to shops, and restaurants along the 4th Street corridor. Whether you’re looking for a move-in-ready waterfront retreat or an opportunity to build your dream home, this property offers the ultimate St. Pete boating lifestyle. Set sail into your next adventure—this is waterfront living at its finest!

Details

Property type

Single Family Residence

Est. home value

$942,505

Lot size

7,370 sq ft

Price per sq ft

$648

Year built

1959

Annual property taxes

$2,526.41

HOA

No

Price History

03/13/2025
StellarMLS

StellarMLS #TB8354450

Listed
$990,000

Schools & Community

Neighborhood: 

North East Park

Elementary school: 

Unknown

Middle school: 

Unknown

High school: 

Unknown

Seller’s Loan History

Before you make an offer, understand who you are negotiating with so you can tailor your negotiation strategy to their situation.

Lender

Bank Of America Na

Loan start date

January 2020

Original loan amount

$250,000

Est. remaining balance

Not provided

Interest rate

3.43%

Loan type

Credit Line (Revolving), 30 year

Seller

Kenneth J Spencer and Sarah W Spencer

Lender

Bank Of America Na

Loan start date

November 2003

Original loan amount

$203,000

Est. remaining balance

Not provided

Interest rate

6.01%

Loan type

New Conventional

Seller

Sarah W Spencer and Kenneth J Spencer

Lender

Bank Of America Na

Loan start date

September 2001

Original loan amount

$180,000

Est. remaining balance

Not provided

Interest rate

7.08%

Loan type

New Conventional

Seller

Sarah W Spencer and Kenneth J Spencer

Lender

Bk America N A

Loan start date

March 2001

Original loan amount

$53,784

Est. remaining balance

Not provided

Interest rate

7.02%

Loan type

New Conventional

Seller

Kenneth J Spencer and Sarah W Spencer

Lender

Nationsbanc Mtg Corp

Loan start date

July 1993

Original loan amount

$110,550

Est. remaining balance

Not provided

Interest rate

7.48%

Loan type

VA

Seller

Kenneth J Spencer and Sarah W Spencer

Source: Public records data

If you're the owner, you can request to remove loan details. Email listingsupport@tomo.com

How insights can help you

Interest rate

If the seller has a low interest rate, they may be tempted to rent the property out if they can't get the price they have in mind.

Motivation

If the seller already got a job in a different city, they may feel pressure to sell quickly to free up cash for a new home.

Equity

If the seller stands to receive a large amount of cash when they sell the property, they might be willing to negotiate on the offer price.

Interested in learning more?

Status: Active

Tomo last checked: 03/14/2025 at 2:00 PM

Listing updated: 03/14/2025 at 6:51 AM

Listed by: Becky McConnell, KELLER WILLIAMS ST PETE REALTY Phone #: (727) 894-1600

MLS: StellarMLS #TB8354450

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