
3963 NEPTUNE DRIVE SE, ST PETERSBURG, FL, 33705
Active38 days on marketListed Jul 7, 2026MLS #TB8526721
About this home
3963 NEPTUNE DRIVE SE
PRICE IMPROVEMENT | CLEARED BUILDABLE LOT IN COQUINA KEY! An exciting opportunity to build in one of St. Petersburg’s established island communities. This 7,388-square-foot residential lot offers a generous 76' x 99' footprint on a quiet street surrounded by established single-family homes and tropical landscaping. The previous residence has already been removed and the lot is cleared, eliminating the added time and expense of demolition and giving a future owner a head start on the building process. With its substantial footprint, the property offers an excellent opportunity for a custom primary residence, second home, or investment property, subject to applicable zoning and building requirements. Enjoy the laid-back atmosphere of Coquina Key while remaining just minutes from everything that makes St. Petersburg such a desirable place to live. Coquina Key Park, public boat ramps, waterfront recreation and marinas are nearby, with vibrant Downtown St. Petersburg, the St. Pete Pier, restaurants, shopping and entertainment just a short drive away. Gulf beaches and major commuter routes are also easily accessible. Vacant residential lots in established St. Petersburg neighborhoods offer buyers the increasingly rare opportunity to create a home from the ground up rather than compromise on an existing property. Bring your builder and your vision to 3963 Neptune Dr SE and take advantage of the new price. Buyer to independently verify zoning, setbacks, building requirements, utilities, flood zone, elevation requirements, lot dimensions and permitted uses with the City of St. Petersburg and all applicable agencies.
Facts & features
The home at a glance
0.17 ac
Lot size
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 — not generic estimates.
$1,902 /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
$1,902/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.
Where it sits
Inside Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% below the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 3963 NEPTUNE DRIVE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$180,000
4151 NEPTUNE DRIVE SE · same community
2 bd · 1 ba · 642 sqft · $280/sqft · 21 DOM
Sold · Aug ’26$265,000
4030 MARLIN DRIVE SE · same community
2 bd · 1 ba · 849 sqft · $312/sqft · 49 DOM
Sold · Apr ’26$309,000
4332 COBIA DRIVE SE · same community
3 bd · 1 ba · 985 sqft · $314/sqft · 42 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3963 NEPTUNE DRIVE SE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3963 NEPTUNE DRIVE SE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3963 NEPTUNE DRIVE SE FAQs
What would the monthly payment be for 3963 NEPTUNE DRIVE SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,902/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3963 NEPTUNE DRIVE SE?+
The most recent tax bill on record (2025) was $7,621. 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 3963 NEPTUNE DRIVE SE?+
The listing reports pets: Cats OK, Dogs OK, 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 $174,900, this home is listed about 60% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3963 NEPTUNE DRIVE SE?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of NORTHSTAR REALTY · Genesis Martinez. MLS #TB8526721.
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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