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4109 89TH AVENUE N, Pinellas Park, FL, 33782

2beds
2baths
1,132sqft
$289,000
$255price/sqft
$2,219/moest. monthly cost
$88,760/yrincome needed

About This Home

This spacious two-bedroom, two-bathroom villa is located in one of Pinellas County's highly sought-after adult communities. Before listing, the unit's interior was painted in neutral colors, and new flooring was installed in the family and primary bedrooms. This property has one of the best views in the community, with no rear neighbors and backing up to a scenic lake. Located just across from the pool and the clubhouse, all of the key amenities are just a short walk away. Since there is no through traffic, traffic remains minimal, ensuring a serene environment. Centrally located and within minutes of some of Pinellas County's finest beaches, both international airports, downtown Saint Petersburg, and Tampa. In addition to the exterior, the monthly HOA fee also includes water, basic cable, and trash.

Getting Around

33
WalkingCar-Dependent
32
TransitSome Transit
42
BikeSomewhat Bikeable

Schools

4/10
3/10
Pinellas Park High SchoolGrades 9-122.8 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1986

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Block,Stucco,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Villa

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Electric Water Heater,Microwave,Refrigerator
  • Laundry features: Inside,Washer Hookup

Bedroom1

  • Features: Ceiling Fan(s),Storage Closet
  • Level: First
  • Area: 156
  • Dimensions: 12x13

Bedrooms & Bathrooms

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

Family Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Area: 132
  • Dimensions: 12x11

Features

  • High Ceilings,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Thermostat,Walk-In Closet(s)
  • Window features: Hurricane Shutters
  • Flooring: Bamboo,Laminate,Tile

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,132
  • Total interior livable area: 1,132 sqft

Kitchen

  • Level: First
  • Area: 120
  • Dimensions: 10x12

Living Room

  • Level: First
  • Area: 308
  • Dimensions: 14x22

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 192
  • Dimensions: 12x16

Property

Details

  • Parcel number: 223016545740001040
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch
  • Exterior features: Irrigation System,Other,Private Mailbox,Sidewalk
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 3,402 sqft
  • Features: Cul-De-Sac,City Lot,In County,Landscaped,Near Golf Course,Near Public Transit,Sidewalk,Street Dead-End

Parking

  • Total spaces: 1
  • Parking features: Common,Driveway,Garage Door Opener,Ground Level,Guest
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: 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

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Cold Wave
Hurricane
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 $1,461$17,532
Home Insurance *$294$3,528
Property Taxes $267$3,204
Electricity $197$2,366
Total$2,219$26,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,080/yr
40% on housing$66,570/yr
45% on housing$59,173/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

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 33782$150
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 33782$232
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
2026-07-29Price change$289,000
2026-07-07Listed for sale$319,000
2008-07-18Sold$130,000
2002-12-30Sold$117,500

For Sale by Agent

AgentJohn Waugh
BrokerageCHARLES RUTENBERG REALTY INC

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