For sale Home

Listed Oct 31, 2026

$489,900 Est. $3,240/mo

3439 40th Terrace East

  • 3

    Beds

  • 2

    Baths

  • 1,813

    Sq ft

The story

  • Pool
  • Waterfront

Escape to your private sanctuary! Featuring 78 feet of waterfront, this beautiful retreat offers tranquil water views, a wooded backdrop, and your own heated pool for an inviting Florida lifestyle. A brand-new roof installed in September 2026 adds peace of mind. Located in sought-after Oak Trace, this three-bedroom, two-bath home captures beautiful water and nature views from nearly every room. Step onto the spacious lanai, complete with new screens, and take in panoramic views of the water and surrounding trees. Whether enjoying your morning coffee, dining outdoors, or relaxing in the heated pool with an automatic water-leveling system, this peaceful setting makes every day feel like a getaway. Inside, soaring vaulted ceilings and stylish luxury vinyl plank flooring enhance the coastal contemporary design. The thoughtfully arranged split floor plan offers privacy, while three sets of sliding glass doors connect the interior to the inviting outdoor living space. The well-appointed kitchen features solid 42-inch cabinetry, ample storage, a pantry, a convenient breakfast bar, and a charming café nook. Retreat to the spacious primary suite, featuring two walk-in closets and an en suite bath with two new sinks, a walk-in shower, a Jacuzzi soaking tub, and a private water closet. Enjoy the peaceful surroundings of Oak Trace with low HOA fees of just $51 per month and convenient access to I-75, UTC shopping and dining, Gulf beaches, and St. Petersburg. Come experience the views, unwind by the pool, and make this private sanctuary your own!

Facts & features

Home type

Home

Year built

2004

Floors

1

Price per sq ft

$270

HOA

$54 / monthly

Parking

2-car garage

Included features

  • Pool

    Yes

  • Cooling

    Central Air

  • Heating

    Central, Electric

  • Appliances

    Dishwasher, Disposal, Ice Maker, Microwave, Range, Refrigerator, Washer

  • Flooring

    Tile, Vinyl

  • Roof

    Shingle

  • Exterior

    Garden, Private Yard, Rain Gutters

  • Water Source

    Public

  • Sewer

    Public Sewer

Mortgage calculator

Estimated monthly payment

$3,240 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $2,607
  • Property tax $490
  • Insurance $143

Includes principal, interest, taxes & insurance.

Your Property Journey

Interested in this, or something like it?

Submit an inquiry

Drop your details and we will help you find what you are looking for.

Not quite. Help me find the right one

Talk it through or type it out, whichever feels easiest.

Your contact details

An agent will reach out personally, no automated calls.

Smart Assistant

Hi, how can I help you find your dream home?

Tap the voice button to talk, or just start typing.

Tap anywhere to fix a word or add more

Tap stop when you’re done. You can edit the text before searching.

By submitting, you agree to our Privacy Policy and Terms.

Listing Broker

MARK SPAIN REAL ESTATE

Broker Name

MARK SPAIN REAL ESTATE

Agent

Jessica Rask