4592 40th Street — $1,099,900 | MaxLife Realty

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$1,099,900

4592 40th Street

St Petersburg, FL 33711

Active

Beds

Baths

2,124

Sq Ft

0.26

Acres

1973

Built

◆Waterfront◆Water access◆Private pool◆$518/sqft

🏠Single Family Residence

Property type

🏗️1973

Year built

📐11,186 sqft

Lot size

📊$518

Price / sq ft

🏘️No HOA

HOA dues

📅174

Days on market

🚗2

Garage spaces

🌊AE

Flood zone

About this home

NEVER FLOODED, OPEN-FLOORPLAN, THREE BEDROOMS, TWO BATHROOMS, IN-GROUND POOL and SPA, WATERFRONT. The previous buyer got "Cold Feet", which means they won't be enjoying this IN-GROUND POOL over the summer...but you can! This is the BEST-priced WATERFRONT POOL home in the Broadwater neighborhood! This home features THREE bedrooms, TWO bathrooms, a LARGE primary suite with WALK-IN CLOSET, and an OPEN-FLOORPLAN. The massive kitchen features stainless steel appliances, DOUBLE-OVENS, GAS RANGE, Wine-Fridge, GRANITE COUNTERTOPS, and a HUGE ISLAND perfect for entertaining. The INTERIOR LAUNDRY ROOM provides additional storage. This home offers a more PRIVATE and intimate waterfront setting, ideal for those who value seclusion and a backyard that truly feels like a retreat. Relax and entertain in your HEATED POOL and SPA with no neighboring homes looking directly into your space, creating an outdoor environment that feels more like a personal oasis than a typical waterfront property. While the waterfront footprint is more private, you still enjoy a private dock and davits that has accommodated up to a 26-ft boat with direct water access, giving you the best of both worlds: waterfront living with the added benefit of seclusion. Additional exterior features include dedicated space with ROOM TO PARK AN RV or boat parking (as as some have pointed out, a basketball court!), an increasingly rare and highly desirable convenience. With a base flood elevation of approximately 11 feet, this home has NEVER FLOODED, providing a level of peace of mind that is both valuable and increasingly difficult to find in today’s market. For those seeking a seamless transition, the home can also be offered fully FURNISHED, creating a true turnkey opportunity. Major Updates Include: Roof - 2018, HVAC - 2018, Pool - 2019, Flat roof 2026, Dock and Davits for up to 26ft boat- 2020. Priced significantly below pre-market appraisal, this property represents a rare opportunity to secure a private, move-in-ready waterfront home in one of St. Petersburg’s most desirable communities with INSTANT EQUITY!

Estimated monthly payment

Principal & interest$5,562

Property taxes$1,114

Home insurance (est.)$504

Down payment

20%

$219,980 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history174 days on market

Status: Active
Apr 24, 2026
Listed$1,350,000
Nov 13, 2025
Price reduced$1,099,900

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Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 174
Subdivision: Broadwater Unit 2 Blk N
County: Pinellas
Year built: 1973
Living area: 2,124 sq ft
Price/sq ft: $518
Building area: 2,734 sq ft (Public Records)
Lot size: 11,186 sq ft
Lot category: 1/4 to less than 1/2
Flood zone: AE
Garage: 2 spaces
Pool: Private pool
Annual taxes: $13,367 (2025)
Parcel #: 03-32-16-11707-014-0020
MLS #: TB8446534

Interior Details

Bedrooms: 3
Full bathrooms: 2
Flooring: Tile
Appliances: Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer
Interior features: Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Walk-In Closet(s), Window Treatments
Laundry: Inside, Laundry Room
Stories / Levels: One
Direction faces: West

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

Total monthly fees: $0/mo
Total annual fees: $0
CDD: No
Homestead exemption: Yes
Min lease term: No Minimum
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Additional lease restrictions: Check with the city of St. Petersburg and Pinellas County regarding rental restrictions.

Exterior & Construction

Exterior features: Garden, Hurricane Shutters, Lighting, Rain Gutters, Sliding Doors
Construction materials: Block
Roof: Shingle
Foundation: Slab
Pool: Private pool
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Connected, Electricity Connected, Natural Gas Connected, Phone Available, Sewer Connected, Sprinkler Meter, Sprinkler Recycled, Water Connected

Community

Pets allowed: Yes

Schools

ElementaryGulfport Elementary-PNGreatSchools ↗

MiddleBay Point Middle-PNGreatSchools ↗

High SchoolLakewood High-PNGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Kitchen	First	18x28
Living Room	First	19x25
Primary Bedroom	First	11x14
Bedroom 2	First	11x12
Bedroom 3	First	11x12

Listing Details

Listing date: 2025-11-09
On market date: 2025-11-13
Original list price: $1,350,000
Occupant type: Vacant
MLS area: 33711 - St Pete/Gulfport
Listing AOR: Suncoast Tampa
Status changed: 2026-04-24
Tax legal description: BROADWATER UNIT 2 BLK N BLK N, LOT 2

Flood risk

High riskFEMA Zone AE

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From 34th Street S. turn WEST onto 46th Ave S. Follow to Right on 40th Street S. Home is on the corner.

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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.

Based on information submitted to the MLS GRID as of May 30, 2026 at 7:01 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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