5246 Neil DriveSt Petersburg, FL 33714Price: $405,000

Flood Zone X, 2021-built, with a first floor primary suite: a combination almost nothing under $450k in Pinellas County offers. This townhome is centrally located in St. Pete, and the roof, AC, and water heater are all just under five years old. Inside: 3 bedrooms, 2.5 baths, 1,713 sq ft. The first-floor primary suite has dual closets, a large en suite bath, and sliders to a screened patio backing to green space. The main level is an open kitchen with quartz counters and Whirlpool appliances, plus dining and living in one connected space. Upstairs holds two more bedrooms, a full bath, and a 12x13 loft that works as an office, playroom, or second living room. The gated community welcomes big dogs, most breeds, up to 101+ lbs. And because it's a townhome, not a condo, there are no milestone inspections and no structural reserve studies needed. The $550/month HOA covers water, sewer, trash, pool, and clubhouse. The location is the quiet superpower: centrally located in Pinellas County, 2 minutes from I-275, you can get anywhere from here. Tampa in 15, Downtown St. Pete in 10, St. Pete Beach in 15, and the airports, the Gulf beaches, and north county are all an easy shot. Five years old, in the dry zone.