684 MOUNT LANCASTER AVENUE NE UNIT 644, ST PETERSBURG, FL, 33702
Active20 days on marketListed Jul 30, 2026MLS #TB8534323
About this home
684 MOUNT LANCASTER AVENUE NE UNIT 644
Incredible location with view of community waterfront park! No interior flooding from 2024 storms! This large 2 bed/2 bath water view home has 1,248 sq. ft of living space plus a 200 sq. ft enclosed Florida room creating an even larger living area. Living/dining area looks over community park with shaded oak tree. Primary bed holds king-size bed and has ensuite bath and walk-in closet. Guest bedroom holds king-sized bed easily with guest bath across the hall for ease of use. Galley style kitchen has room for dining table off either side. Utility closet with stackable washer and dryer. Newer laminate flooring in living area with carpet in bedrooms. Roof and HVAC system are 2021. Vapor barrier and some new electrical is 2025. Large shed with double doors can accommodate a golf cart. Irrigation system in place but not sure if working. Nice plants and mature landscaping around the home. This is a unique property that a buyer can transform into a beautiful full-time residence, vacation home or investment property as renting is allowed with 2-month minimum. Price includes share for the lot and ownership in the Co-op. Low monthly maintenance fee of $410 includes water, sewer, trash pick up, lawn mowing, 24 hr manned gate, seawalls and all amenities including heated pool, clubhouse, billiards, fitness center and so much more! Americana Cove is the premier factory-built 55+ housing community in the county and is located only 10 mins to downtown St. Petersburg, 20 mins to two airports and 3 mins to 4th St shopping/dining/grocery. So close to all of the action yet the waterfront community sits back along First Street and has a relaxing and welcoming ambiance. Check it out!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,248
Sqft
0.12 ac
Lot size
1972
Year built
One
Levels
$102
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,432 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,432/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−11.1%
$/sqft vs MOBEL AMERICANA MOBILE HOME PARK UNREC
$102 vs $209
Days on market
20 vs 58 typical
Where $102/sqft sits among the 36 homes for sale in MOBEL AMERICANA MOBILE HOME PARK UNREC
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Mobel Americana
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Mobel Americana — neighborhood snapshot
Population
682
Median age
66
Median income
$68,843
Median home value
$312,800
Avg household
2
Households w/ children
49%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
20 of 36
MOBEL AMERICANA MOBILE HOME PARK UNREC have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% below the ST PETERSBURG 33702 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 684 MOUNT LANCASTER AVENUE NE UNIT 644
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$305,000
622 MOUNT OAK AVENUE NE UNIT 733 · same community
2 bd · 2 ba · 1,242 sqft · $246/sqft · 165 DOM
Sold · Sep ’25$145,000
6714 AMERICANA DRIVE NE UNIT 183 · same community
3 bd · 2 ba · 1,296 sqft · $112/sqft · 45 DOM
Sold · Sep ’25$255,000
210 MOUNT PINEY AVENUE NE UNIT 272 · same community
2 bd · 2 ba · 1,146 sqft · $223/sqft · 164 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 684 MOUNT LANCASTER AVENUE NE UNIT 644 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 684 MOUNT LANCASTER AVENUE NE UNIT 644 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
684 MOUNT LANCASTER AVENUE NE UNIT 644 FAQs
What would the monthly payment be for 684 MOUNT LANCASTER AVENUE NE UNIT 644?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,432/mo — principal and interest, the actual property-tax bill, the $410/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 684 MOUNT LANCASTER AVENUE NE UNIT 644?+
The association fee works out to $410 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 684 MOUNT LANCASTER AVENUE NE UNIT 644?+
The most recent tax bill on record (2025) was $697. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 684 MOUNT LANCASTER AVENUE NE UNIT 644?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Petersburg?+
At $127,000, this home is listed about 70% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 684 MOUNT LANCASTER AVENUE NE UNIT 644?+
Shore Acres Elementary School (elementary), Meadowlawn Middle School (middle), Northeast High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BAREFOOT REALTY GROUP · Charity Cicardo. MLS #TB8534323.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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