7186 MOUNT ARLINGTON DRIVE NE, #421, St. Petersburg, FL, 33702 | $275,000

Welcome to your perfect Florida waterfront retreat in the highly sought-after 55+ resident-owned boating community of Americana Cove, where luxury coastal living, active adult lifestyle, and affordable waterfront ownership come together in one beautifully remodeled home. Whether you are searching for a seasonal snowbird escape, winter residence, retirement oasis, or full-time Florida dream home, this move-in-ready property offers the ideal blend of comfort, convenience, boating access, and resort-style amenities. Perfectly positioned on a deep saltwater canal with direct navigable access to Tampa Bay and absolutely no bridges, this exceptional waterfront property includes a private dock and boat lift, providing effortless access for boating, fishing, kayaking, paddle boarding, and sunset cruises right from your backyard. Enjoy peaceful water views and Florida wildlife from the oversized enclosed Florida room, creating the ultimate indoor-outdoor lifestyle experience. Inside, the home has been completely remodeled and beautifully maintained with an open-concept split-bedroom floor plan designed for both entertaining and privacy. Natural light fills the spacious living areas while water views serve as the backdrop from nearly every main gathering space. A rare and highly desirable feature is the double owner’s suite layout, offering 2 spacious primary suites, each with private en-suite full bathrooms, ideal for hosting guests or creating separate owner and guest retreats. The 3rd bedroom features built-in drawers, generous closet space, and easy access to the nearby hall bath, making it perfect for visitors, hobbies, office space, or additional sleeping accommodations. The tucked-away washer and dryer closet is conveniently located within the Florida room for easy accessibility while maximizing interior space. Outside, the oversized storage shed provides ample room for a golf cart, bicycles, tools, fishing gear, boating equipment, beach essentials, and additional recreational storage. Americana Cove is one of St. Petersburg’s premier active adult waterfront communities, offering resort-style amenities with low monthly maintenance fees of only $410/mo, including water, sewer, trash, lawn maintenance, seawall maintenance, private streets, and 24-hour manned gated security. Residents enjoy access to a heated pool, waterfront clubhouse, fitness center, billiards room, shuffleboard courts, bocce ball, fishing areas, boat ramps, kayak launch, library, hobby shop, social clubs, and organized activities. Conveniently located just minutes from downtown St. Petersburg, waterfront dining, shopping, grocery stores, entertainment, and Gulf beaches, this location offers exceptional convenience for both full-time residents and seasonal homeowners, with quick access to 4th Street shopping, vibrant downtown St. Pete, St. Pete-Clearwater International Airport, and Tampa International Airport. Americana Cove is also pet friendly, welcoming up to 2 dogs or cats up to 35lbs each. The list price includes the share for the lot and ownership in the co-op, adding substantial long-term value and affordability to this waterfront opportunity. Optional furnishings may also be available, creating a truly turnkey Florida winter home or retirement retreat. This affordable luxury waterfront gem offers the rare opportunity to own beautifully updated waterfront property with direct Tampa Bay access in one of Florida’s most desirable active adult boating communities.

Features

  • Amenities: Clubhouse, Fitness Center, Gated, Pool, Recreation Facilities, Shuffleboard Court
  • Rooms: 3
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Laundry Closet
  • Year Built: 1971
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 960
  • Est. Taxes: $4,603
  • HOA Fee: $410 Monthly
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Size Limit, Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: TB8512421
  • Days on Market: 10 days
  • Website: https://www.raveis.com
    /prop/TB8512421/7186mountarlingtondrivene_stpetersburg_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 6/13/2026 9:17:12 PM)
Listing courtesy of Real Broker, LLC   Phone: 855-450-0442

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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7186 MOUNT ARLINGTON DRIVE NE, #421, St. Petersburg, FL, 33702

$275,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

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 $220,000 $220,000 $220,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.866%
Monthly Tax Payment $384 $384 $384
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,318 $1,389 $1,812
Total Monthly Payment $1,777 $1,848 $2,271

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.