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9061 48th Ter N, Saint Petersburg, FL, 33708

2beds
2baths
1,080sqft
$249,900
$231price/sqft
$1,678/moest. monthly cost
$67,120/yrincome needed

About This Home

Welcome to one of the most IMPRESSIVE waterfront opportunities available in Harbor Lights, one of St. Petersburg's most DESIRABLE, PET-FRIENDLY waterfront communities located directly on beautiful BOCA CIEGA BAY. This COMPLETELY REMODELED residence perfectly combines LUXURY finishes, MODERN COASTAL design, and true FLORIDA WATERFRONT LIVING with DIRECT BOATING ACCESS, BREATHTAKING MARINA VIEWS, and RESORT-STYLE AMENITIES just steps from your front door. From the moment you arrive, you'll immediately appreciate the home's OUTSTANDING CURB APPEAL featuring FRESH COASTAL COLORS, TROPICAL LANDSCAPING, OVERSIZED PAVER PATIOS, and EXPANSIVE OUTDOOR ENTERTAINING SPACES designed to maximize every SUNSET and WATERFRONT BREEZE. The backyard is truly SPECTACULAR. Relax in Adirondack chairs overlooking the marina, watch dolphins play in the canal, enjoy morning coffee as boats leave the harbor, or entertain family and friends on the BEAUTIFULLY DESIGNED WATERFRONT PATIO. This is FLORIDA WATERFRONT LIVING AT ITS FINEST. Inside, the home has been thoughtfully REMODELED FROM TOP TO BOTTOM with an ELEGANT OPEN-CONCEPT FLOOR PLAN that seamlessly connects the GOURMET KITCHEN, dining area, and SPACIOUS LIVING ROOM. LUXURY WATERPROOF FLOORING flows throughout while ABUNDANT WINDOWS fill the home with NATURAL LIGHT and showcase STUNNING WATER VIEWS. The CHEF'S KITCHEN serves as the centerpiece of the home and features: - LARGE CENTER ISLAND with seating - GORGEOUS STONE COUNTERTOPS throughout - CUSTOM WHITE SOFT-CLOSE CABINETRY - STAINLESS STEEL APPLIANCE PACKAGE - DESIGNER TILE BACKSPLASH - STAINLESS STEEL RANGE HOOD - BUILT-IN MICROWAVE - WINE REFRIGERATOR and WET BAR with additional sink - OPEN FLOATING DISPLAY SHELVING - LARGE PANTRY STORAGE - MARINA VIEWS directly from the kitchen sink The SPACIOUS LIVING ROOM offers plenty of room for entertaining while maintaining SPECTACULAR WATER VIEWS and direct access to the ENCLOSED WATERFRONT FLORIDA ROOM, creating the perfect INDOOR/OUTDOOR LIFESTYLE. The ENCLOSED WATERFRONT FLORIDA ROOM serves as an additional YEAR-ROUND LIVING SPACE where you'll enjoy PANORAMIC MARINA VIEWS while relaxing in CLIMATE-CONTROLLED COMFORT. The LUXURIOUS PRIMARY SUITE offers a peaceful retreat complete with GENEROUS CLOSET SPACE, MINI-SPLIT CLIMATE CONTROL, and a SPA-INSPIRED BATHROOM featuring: - DESIGNER MARBLE-STYLE WALK-IN SHOWER - RAINFALL SHOWER SYSTEM with handheld wand - BUILT-IN SHOWER BENCH - MODERN VANITY - CONTEMPORARY FIXTURES AND LIGHTING The GUEST BEDROOM is equally IMPRESSIVE and comfortably accommodates family and friends with easy access to a SECOND FULLY REMODELED DESIGNER BATHROOM showcasing another OVERSIZED WALK-IN SHOWER finished with BEAUTIFUL CUSTOM TILE WORK. ADDITIONAL PREMIUM UPGRADES INCLUDE: - OPEN-CONCEPT FLOOR PLAN - LUXURY WATERPROOF FLOORING THROUGHOUT - MULTIPLE MINI-SPLIT AIR-CONDITIONING SYSTEMS - DESIGNER LIGHTING PACKAGE - RECESSED LIGHTING - UPDATED PLUMBING FIXTURES - INDOOR LAUNDRY with STACKED LG WASHER & DRYER - SLIDING BARN DOOR LAUNDRY ENCLOSURE - LARGE STORAGE CLOSETS - UPDATED WINDOWS THROUGHOUT - WATERFRONT PAVER PATIO - BEAUTIFUL COASTAL LANDSCAPING - MOVE-IN READY CONDITION HARBOR LIGHTS COMMUNITY AMENITIES: Residents enjoy an exceptional RESORT-STYLE WATERFRONT LIFESTYLE including: - HEATED SWIMMING POOL - WATERFRONT FISHING PIERS - BAY PINES MARINA BOAT DOCKS - HIGH-AND-DRY MARINA STORAGE - WATERFRONT TIKI HUT PICNIC AREA - COMMUNITY TIKI HUT - SHUFFLEBOARD COURTS - BILLIARDS ROOM - CHRISTIAN'S ON THE WATER TIKI BAR & RESTAURANT - ACTIVE SOCIAL CALENDAR - PET-FRIENDLY COMMUNITY - Minutes to MADEIRA BEACH, TREASURE ISLAND, and DOWNTOWN ST. PETERSBURG Homes of this caliber with PRIVATE WATERFRONT ACCESS, DESIGNER RENOVATIONS, MARINA VIEWS, and WORLD-CLASS COMMUNITY AMENITIES rarely become available. SCHEDULE YOUR PRIVATE SHOWING TODAY and discover why this HARBOR LIGHTS WATERFRONT MASTERPIECE is one of the FINEST WATERFRONT VALUES currently available!!!

Getting Around

33
WalkingCar-Dependent
0
TransitVery Limited Transit
57
BikeBikeable

Schools

10/10
5/10
Osceola Middle SchoolGrades 6-82.9 mi
4/10
Seminole High SchoolGrades 9-124.0 mi

Construction

Condition

  • Year built: 1976

Materials

  • Roof: Metal
  • Construction materials: Aluminum Siding,Vinyl Siding

Notable Dates

  • Major remodel year: 2026

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Microwave,Oven,Washer,Water Heater,Stainless Steel Appliances

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Laundry
  • Finished area above ground: 1,080

Heating & Cooling

  • Heating features: Electric,Forced Air,Zoned,Heat Pump
  • Cooling features: Zoned

Interior Area

  • Total structure area: 1,080
  • Total interior livable area: 1,080 sqft

Kitchen

  • Features: Open,Granite Counters

Property

Details

  • On leased land: Yes
  • Lease amount: 1375

Features

  • Private pool: Yes
  • Pool features: Heated,In Ground,Size(Large Pool)
  • Patio & porch: Patio,Covered Porch,Enclosed Porch,Open Porch
  • Has view: Yes
  • View description: Bay,Canal,Street
  • Has water view: Yes
  • Water view: Bay,Canal
  • On waterfront: Yes
  • Waterfront features: Bay,Canal,Dock
  • Waterbody name: Boca Ciega Bay

Lot

  • Features: Pool,Near Bus

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Coastal Flooding
Cold Wave
Tornado
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,263$15,156
Home Insurance *$64$768
Property Taxes $154$1,848
Electricity $197$2,366
Total$1,678$20,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,531/yr
40% on housing$50,340/yr
45% on housing$44,746/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$231This listing

vs Other Active Listings

Avg $/sqft

ZIP 33708$417
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 33708$395
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-17Listed for sale$249,900
2026-04-14Listing removed$300,000
2026-02-27Price change$300,000
2026-01-23Listed for sale$325,000

For Sale by Agent

AgentJames Snyder
BrokerageIRIMAX FINANCIAL LLC

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