3963 NEPTUNE DRIVE SE, St. Petersburg, FL, 33705 | $195,000

Rare opportunity to build your dream home in the highly desirable Coquina Key neighborhood of St. Petersburg. This cleared residential lot offers a generous 76x99 footprint with approximately 7, 388 square feet, giving buyers flexibility to design a beautiful new single-family residence. Whether you envision a classic Florida ranch-style home similar to the original residence, a thoughtfully updated coastal bungalow, or a larger custom build, this property presents an incredible chance to create something special in an established waterfront community.

Located on a quiet residential street surrounded by single-family homes, mature landscaping, and tropical palms, this lot offers the ideal setting for those seeking the St. Pete lifestyle. Enjoy close proximity to downtown St. Petersburg, waterfront parks, boat ramps, marinas, the St. Pete Pier, beaches, dining, shopping, and major commuter routes. The previous home has been removed after sustaining fire damage, saving buyers time and cost in the redevelopment process.

Coquina Key continues to be one of St. Petersburg’s most sought-after neighborhoods, offering island living with unbeatable access to the best of Tampa Bay. Buyer to verify all zoning, setbacks, building requirements, utilities, flood zone, elevation requirements, and permitted uses with the City of St. Petersburg and appropriate agencies.

Build your next home or investment property in one of St. Pete’s most convenient coastal communities.

Features

  • Amenities: Basketball Court, Park, Pickleball Court(s), Playground, Recreation Facilities, Tennis Court(s), Trail(s)
  • Rooms: 4
  • Bedrooms: 1
  • Baths: 1 full
  • Lot Size: 76 x 99
  • Laundry: None
  • Year Built: 1955
  • Heating: None
  • Cooling: None
  • Approx Sq. Feet: 7,388
  • Acreage: 0.17
  • Lot Size: 76 x 99
  • Est. Taxes: $7,621
  • Lot Desc: Cleared, Flood Insurance Required, FloodZone, Level, Oversized Lot
  • Elem. School: Lakewood Elementary-PN
  • Middle School: Bay Point Middle-PN
  • High School: Lakewood High-PN
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: None
  • MLS#: TB8526708
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8526708/3963neptunedrivese_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 7/8/2026 1:35:53 AM)
Listing courtesy of NORTHSTAR REALTY   Phone: 727-528-7653

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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Our Insurance Division:

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3963 NEPTUNE DRIVE SE, St. Petersburg, FL, 33705

$195,000

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 $156,000 $156,000 $156,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $635 $635 $635
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $934 $985 $1,295
Total Monthly Payment $1,644 $1,695 $2,005

* 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.