4455 38TH TERRACE N, #B8, St. Petersburg, FL, 33714 | $175,000

Charming Condo in the Heart of St. Petersburg – Great Value & Prime Location!
Welcome to this tastefully updated end-unit condo, offering a comfortable and convenient lifestyle in the heart of St. Petersburg. This beautifully maintained home features a modern kitchen with stainless steel appliances and a breakfast bar, perfect for casual meals or entertaining. The separate dining area is ideal for a larger gathering, or can be used as office space with plenty of room for a desk and chair. The spacious living area has sliding glass doors providing lots of natural light with a view of the fenced in common area, complete with picnic tables and mature shade trees.
The large primary suite provides ample space for all your furniture and personal touches. The second bedroom is across the hall for added privacy. Throughout the condo, you'll find vinyl plank flooring, offering both style and durability, with cozy carpeting in the bedrooms for added comfort. The bathroom is designed with a gorgeous stone, single sink vanity, cabinets with ample storage, and a fully tiled walk-in shower. A linen closet and separate storage closet lend plenty of space for all your organizational needs.
This condo also comes with the added convenience of a deeded parking space directly in front of the entrance, as well as plenty of guest parking. For added ease, laundry facilities are available on-site, and residents can enjoy access to a community pool – perfect for relaxing on warm Florida days.
Golden Gate Condominiums is just a stone's throw away from shops, restaurants, and everything you need for easy living. Plus, it’s in Flood Zone X, meaning no flood insurance is currently required, adding even more value to this fantastic property.
Don’t miss out on this incredible opportunity – schedule your showing today!

Features

  • Heating: Central
  • Cooling: Central Air
  • Levels: 2
  • Amenities: Laundry, Pool
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 1 full
  • Laundry: Common Area
  • Complex: GOLDEN GATE CONDO
  • Year Built: 1967
  • Approx Sq. Feet: 906
  • Est. Taxes: $3,017
  • Condo Fee: $320 Monthly
  • Elem. School: Westgate Elementary-PN
  • Middle School: Tyrone Middle-PN
  • High School: St. Petersburg High-PN
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Size Limit, Yes
  • Appliances: Electric Water Heater, Exhaust Fan, Freezer, Microwave, Range, Refrigerator
  • MLS#: TB8370471
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/TB8370471/445538thterracen_stpetersburg_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/15/2025 10:17:09 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 727-822-9111

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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4455 38TH TERRACE N, #B8, St. Petersburg, FL, 33714

$175,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $140,000 $140,000 $140,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.152%
Monthly Tax Payment $251 $251 $251
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $885 $920 $1,172
Total Monthly Payment $1,211 $1,246 $1,498

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.