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838 Monterey Blvd NE, Saint Petersburg, FL, 33704

5beds
5baths
4,334sqft
$4,475,000
$1,033price/sqft
$30,931/moest. monthly cost
$1,237,240/yrincome needed

About This Home

Designed by renowned Architect William Harvard Jr and built in 2005, this waterfront modern marvel boasts a beautiful layout and a wonderful view in a highly desirable location of Snell Isle. This home was built like a bunker. The home sits above the flood plane, and the exterior walls are concrete block with filled cells, and with structural steel studs. Interior walls are also concrete block with prestressed concrete planks for ceiling and roof support. The floor construction is concrete under the beautiful hardwoods. The home also features a new roof in summer of 2024, hurricane windows and doors throughout, and a whole house generator so you don't lose power in any storm. Beyond the best construction, this is an artist's home, where natural light fills the spacious rooms, and provides grand wall space with 10' ceilings on the first floor. Enter through the custom metal front doors into a two story foyer. To the left is a beautiful formal living room and large hall closet that could be turned into a butler's pantry or wet bar. The large first floor den also features a full bath, and could be used as a downstairs primary or guest room. For the ultimate entertainer, the formal dining room connects to the chef's kitchen, featuring a professional 6 burner Thermador range and large eat-at island with custom red quartz. The cozy family room features a gas fireplace and inlaid wood floors. Every living space features french doors that open to the Spanish tiled porch that spans the width of the home, the ideal place to enjoy the morning air or evening beauty of Coffee Pot Bayou. When it is time to retire for the night, take the elevator to the second floor, featuring 8' ceilings, wood and carpet floors. Three bedrooms upstairs all feature en-suite bathrooms with cast iron tubs, custom vanities and countertops, and waterfront views. Down the hall is a large laundry room with great storage. The master suite features a large walk-in closet and large bathroom with shower, garden tub, toilet room, dressing area, and custom double vanity. All bedrooms on the second floor have doors to two covered porches, where you can enjoy a morning coffee overlooking your private yard and updated dock on the bayou. The dock was rebuilt in 2024. A massive three car garage has high ceilings and bonus storage areas, and can accommodate a car lover's lifts for multiple vehicles and toys. Just minutes to downtown St Petersburg, this beautiful Snell Isle home was built to last, and its modern design make it timeless. Make your private showing appointment today!

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
66
BikeBikeable

Schools

7/10
4/10
6/10

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Built-Up,Concrete
  • Construction materials: Block,Concrete

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Disposal,Dryer,Exhaust Fan,Gas Water Heater,Microwave,Range Hood,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Laundry Room

Bedroom1

  • Features: Built-in Closet
  • Level: Second
  • Area: 154
  • Dimensions: 14x11

Bedroom2

  • Features: Built-in Closet
  • Level: Second
  • Area: 322
  • Dimensions: 14x23

Bedroom3

  • Features: Built-in Closet
  • Level: Second
  • Area: 322
  • Dimensions: 14x23

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 5

Dining Room

  • Level: First
  • Area: 252
  • Dimensions: 14x18

Family Room

  • Level: First
  • Area: 400
  • Dimensions: 16x25

Features

  • Elevator,High Ceilings,Thermostat,Walk-In Closet(s)
  • Window features: Blinds,Low Emissivity Windows,Window Treatments
  • Flooring: Carpet,Tile,Hardwood
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 6,522
  • Total interior livable area: 4,334 sqft

Kitchen

  • Level: First
  • Area: 252
  • Dimensions: 14x18

Living Room

  • Level: First
  • Area: 252
  • Dimensions: 14x18

Office

  • Level: First
  • Area: 325
  • Dimensions: 13x25

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second
  • Area: 400
  • Dimensions: 16x25

Property

Details

  • Parcel number: 083117836640030140
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Balcony,Irrigation System,Lighting
  • Has view: Yes
  • View description: Bayou
  • Has water view: Yes
  • Water view: Bayou
  • On waterfront: Yes
  • Waterfront features: Bayou,Bayou Access,Lift,No Wake Zone
  • Waterbody name: COFFEE POT BAYOU

Lot

  • Lot size: 0.28 Acres
  • Lot size dimensions: 78 x 148

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

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

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
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 $22,628$271,536
Home Insurance *$838$10,056
Property Taxes $7,029$84,348
Electricity $436$5,233
Total$30,931$371,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,060,491/yr
40% on housing$927,930/yr
45% on housing$824,826/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

$1,033This listing

vs Other Active Listings

Avg $/sqft

ZIP 33704$539
Pinellas County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 33704$471
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)

Price History

DateEventPrice
2026-03-08Price change$4,750,000
2026-02-03Price change$4,990,000
2025-11-30Listed for sale$4,995,000
2025-09-29Listing removed$5,495,000
2025-03-26Price change$5,495,000
2024-11-08Listed for sale$5,700,000
1983-06-01Sold$110,000

For Sale by Agent

AgentBilly Harvard, IV
BrokerageSOUTHERN ROOTS REALTY, LLC

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