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Under contract-accepting backup offers. Introducing 432 39th Ave NE, St. Petersburg, this beautifully updated three-bedroom, two-bath Florida bungalow, ideally in the sought-after Snell Shores neighborhood. Overflowing with charm and curb appeal, this home blends classic Florida style with thoughtful, modern upgrades. Inside, you'll find a bright and inviting layout where natural light pours through hurricane-impact windows and doors, installed in 2023. The home's spacious interior features split bedrooms, a formal dining room, a separate living room and a cozy family room, giving you ample space for entertaining and everyday living. The kitchen, completely renovated in 2021, showcases quartz countertops, a quartz backsplash and stainless steel appliances. New terracotta tile flooring, installed in 2024, adds a warm, Mediterranean flair and pairs beautifully with the original hardwood floors, showcasing the home's unique character. The expansive primary suite offers a retreat, complete with a walk-in closet and an updated en-suite bath featuring a large vanity and a walk-in shower. Two additional bedrooms and a second updated bath make this home ideal for families, guests or a home office setup. Go outside to your private backyard oasis. The oversized deck, replaced in 2023, overlooks a lush, landscaped yard and the resort-style saltwater pool, installed in 2020, invites you to relax and unwind. A new pool pump was added in 2024. There’s also alley access and a designated parking pad large enough for a boat or RV, complete with a 30-amp RV outlet and a 240-volt outlet, ideal for hobbyists or a pottery kiln setup. This home has been thoughtfully maintained and upgraded for peace of mind, including a new air-conditioning system and all new ductwork installed in 2017, a freshly painted exterior and new soffits in 2024, a new washer and dryer also added in 2024, and a new water heater installed in 2025. The roof was replaced in 2014, rounding out this home’s impressive list of updates. While the garage experienced some water intrusion during last year’s hurricanes, the main home remained completely unaffected. Just minutes from vibrant shops and restaurants in downtown St. Pete, this home offers the best of comfort, style and convenience. Don’t miss the opportunity to own this stunning Snell Shores retreat and schedule your private showing today!
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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 | $636,000 | $636,000 | $636,000 |
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% | 7.050% | 6.152% |
Monthly Tax Payment | $327 | $327 | $327 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,020 | $4,178 | $5,324 |
Total Monthly Payment | $4,439 | $4,597 | $5,743 |
* 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.