990 San Carlos CT NE, photo 1
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Overview

3 bd3 ba1,796 sqft1 car garageTownhouse
TypeTownhouse
HOA$720.87/mo
Built1986
Lot4,230 sqft
Living area1,796 sqft
Price / sqft$311
Garage1 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersSolid Wood CabinetsWalk-in Closet(s)Window Treatments

990 San Carlos CT NE is a 1986-built home in Riviera Bay Second Add, St Petersburg. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,796 square feet of living space. Listed at $559,000 (about $311/sqft), 120 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $720.87 monthly.

From the listing

Private Pool + Boat Ramp & Storage in Guard-Gated Caya Costa — Freshly Refreshed A private backyard pool, a community boat ramp, and fenced boat storage, all behind a 24/7 guard gate. That combination is almost impossible to find in a townhome at this price. This 1,796 sq ft, 3-bed, 3-full-bath home with a 1-car garage has just been refreshed with new neutral paint, new ceiling fans, and updated lighting. It’s ready to move in. Spend your mornings on the bay and your afternoons by your own pool or on the covered porch with its wood-panel ceiling. Skip marina fees with the private ramp and secure storage for your boat, trailer, jet ski, paddleboard, or kayak. Fish from the canal pier, play tennis or pickleball, host at the covered gazebo, or relax at the community pool and hot tub. The HOA handles the big stuff: roof replacement on a 20-year cycle (new in 2020), exterior painting every 7 years, front and back lawn care, reclaimed irrigation (underground lines overhauled 2025–26), annual pressure washing, gutter cleaning, and newly repaved cul-de-sacs. This is true lock-and-leave living. Recent updates: HVAC (2020), hurricane-impact sliders, granite in the kitchen and baths, and custom double front doors. In 2025–26, the home received a new dishwasher, cooktop, disposal, pool pump, and garage door. Flood zone AE, with real numbers: Caya Costa homes are built elevated, and per the seller, the living areas were not affected by the 2024 storms. The seller’s current premiums are $1,908/yr for homeowners and $2,618/yr for flood. Buyers should get their own quotes. Whole Foods, Trader Joe’s, and the Carillon area are about 10 minutes away, as are Raymond James, Jabil, and Franklin Templeton. Downtown St. Pete is about 15 minutes away, TPA about 20, and downtown Tampa about 25.

The essentials

Built
1986
Price / sqft
$311
On market
120 days
Annual tax
$4,329
HOA
$720.87/mo
Flood zone
AE
Lot
4,230 sqft
Type
Townhouse

At a glance

Townhouse
Built 1986
Private pool
Gunite
1 car garage
Driveway
4,230 sqft lot
Lot size
1,796 sqft
Living area

Payment

Est. monthly payment
$4,276/mo
Down payment (20%)
$111,800
Property taxes
$361/mo
HOA
$720.87/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
1986
Lot
4,230 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Guest
Pool
Gunite, In Ground
Days on Market
120
Ceiling Fans(s)
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Walk-in Closet(s)
Window Treatments
Private Yard
Gated Community - Guard
Irrigation-reclaimed Water
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Shore Acres Elementary-PN
Middle
Meadowlawn Middle-PN
High
Northeast High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$4,329
Parcel #
29-30-17-75877-003-0470

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Riviera Bay Second Add
County
Pinellas
MLS Area
33702 - St Pete
Lot Size
4,230 sqft
Flood Insurance RequiredCity LimitsIn County
HOA
$720.87/mo
Chris Crain/Jennifer Tutko

Price history

Date
Event
Price
8/14/2026
Price change
Source: Stellar MLS #TB8521003
$559,000-3.1%
$311/sqft
-
Price change
Source: Stellar MLS #TB8521003
$577,000-2.2%
$321/sqft
6/18/2026
Listed for sale
Source: Stellar MLS #TB8521003
$590,000
$329/sqft

Neighborhood

990 San Carlos CT NE
St Petersburg, FL, 33702 · 33702 - St Pete

Market insights

Offer Insights

Choose an offer strength

List price: $559,000
$545,000 – $559,000
97.4% – 100% of listTops out right at the list price
80% of listList price
11 of the last 21 townhouse or villa closings in 33702 landed at this number or higher (52%). The median one sat 69 days before it went under contract, and this one is on day 120 after a $31,000 cut.

Sample: 21 closed townhouse or villa sales in 33702 over the last 8 months, Stellar MLS. A small sample in a thin market. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,277/mo
Principal & interest$2,915
Property taxes$361
Insurance$280
HOA$721
Down payment20% · $111,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$559,000

$311 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,796 sq ft

Time on market

120 days

Year built

1986

Monthly payment

About $4,276/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,329 annual tax bill, insurance, and the $720.87/mo HOA fee.

HOA fee

$720.87/mo

Managed by Chris Crain/Jennifer Tutko.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byRE/MAX ACTION FIRST OF FLORIDAListing agent: J. David VannListing data from Stellar MLS, MLS# TB8521003.

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