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List Price

$3,500,000

250 Mirror Lake, St Petersburg, FL 33701

57 days on market

Estimated Payment

$23,696/mo

20% down and current market rates

Bedrooms4 bdBathrooms4 baLiving area3,985 Square FeetYear builtBuilt 1937

Listed by

Stephanie Pia

KELLER WILLIAMS ST PETE REALTY

Listed by another brokerage. HomeJam connects you directly with the listing side.

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The meticulously restored 1937 revival is the only single-family lakefront home in downtown St Petersburg. Built by prominent local builder Cade Allen, who helped shape the architectural character of early St. Petersburg, the home has been returned to its original purpose as a private residence, pairing nearly 90 years of history with the comfort, function and finish of a completely renewed home. The result is an extraordinary residence where historic character and craftsmanship meet the ease and refinement of modern living. Situated on Mirror Lake, this home presents something virtually unheard of in the downtown core: the privacy and permanence of a true single-family home with an attached two-car garage and dedicated outdoor entertaining space, all within minutes of the restaurants, waterfront, culture and energy in the heart of the city. The restoration honors the home's original architecture rather than diminishing it. Historic stonework, hardwood floors, solid wood doors and hardware, wood-framed windows, the traditional clay tile roof, graceful arches, staircases and railings have been carefully preserved and complemented by an extensive renovation that introduces the comfort and functionality expected of a newly finished home.

250 Mirror Lake, St Petersburg, FL 33701 in St Petersburg, FL 33701 is listed for $3,500,000. The home has 4 bedrooms, 4 bathrooms, and 3,985 square feet, and was built in 1937. Listed 57 days ago. The listing is held by KELLER WILLIAMS ST PETE REALTY.

33701 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$22,092 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $700,000

$

$23,696/moest.

  • Principal & Interest 80%
  • Property Taxes 8%
  • Insurance 12%
Principal & Interest
$18,938
Property Taxesfrom listing
$1,841
Insurance
$2,917

30-year fixed at 7.164%, as of November 10, 2026

Above the $832,750 conforming limit, most lenders ask for 10 to 20 percent down and terms vary. Conforming rate shown; jumbo rates vary.

At 20% down, a loan on this home is jumbo.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $23,696, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $22,092 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR811189965. HomeJam is not the listing broker.

List Price

$3,500,000

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