First-Time Buyers
The First-Time Buyer's Guide to
St. Petersburg, FL
From flood zones to school districts, closing costs to neighborhood personality — here's everything you need to understand before making an offer in St. Pete.
Understanding St. Pete Flood Zones
Flood zones are one of the most important — and often overlooked — factors in buying a home in St. Pete. Homes in high-risk flood zones (AE, VE) can carry flood insurance premiums of $3,000–$10,000+ per year. I'll look up every home's flood zone before you fall in love with it and explain what it means for your budget.
How Much Home Can You Actually Afford?
In St. Pete, your mortgage payment is only part of the equation. Property taxes, homeowner's insurance, flood insurance (where required), and HOA fees can add $500–$2,000/month on top of your principal and interest. I'll help you build the real monthly number before we start looking.
Getting Pre-Approved: Why It Matters
In a competitive market, sellers take pre-approved buyers seriously. A pre-approval letter tells them you've done the financial homework and are ready to close. I can connect you with local lenders who close on time, communicate clearly, and won't disappear after they take your application.
What to Look for During Showings
First-time buyers often focus on paint colors and furniture — I'll help you focus on what actually matters: the roof condition, HVAC age, water intrusion signs, lot drainage, seawall condition (where relevant), and anything that could turn into a costly surprise after closing.
The Inspection Period in Florida
Florida standard contracts include an inspection period (typically 10–15 days) where you can inspect the property and request repairs or credits. I'll attend the inspection with you and help you distinguish between deal-breakers and normal wear that you can negotiate a credit for.
Closing Costs: What to Expect
Buyers in Florida typically pay 2–4% of the purchase price in closing costs, including lender fees, title insurance, and prepaid taxes and insurance. I'll give you a realistic closing cost estimate before you write an offer so there are no surprises at the closing table.
Choosing the Right Neighborhood
St. Pete has 33 distinct neighborhoods, each with different vibes, price ranges, and flood/school profiles. I'll take you through the ones that fit your criteria so you can experience the difference firsthand — not just scroll through photos online.
Common Questions
First-Timer FAQ
Is now a good time to buy in St. Pete?
The best time to buy is when you're financially ready and find the right home — not based on timing the market. That said, I can give you a clear-eyed read on where prices are, how inventory is trending, and what leverage buyers have right now. Let's talk.
What down payment do I need?
Conventional loans typically require 3–20% down. FHA loans allow as little as 3.5% with a 580+ credit score. VA loans offer 0% down for eligible veterans. The right option depends on your finances and goals — a lender conversation is the best first step.
Do I need a real estate agent as a buyer?
You're not legally required to have one, but buyers who work without an agent regularly leave money on the table, skip important contingencies, and navigate inspections alone. My representation costs you nothing out of pocket in a typical transaction — the seller covers the buyer agent fee.
How long does it take to find a home?
It depends on the neighborhood and how specific your criteria are. Some buyers find the right home in two or three weekends. Others take a couple of months. I'll be realistic with you about what to expect based on where you're looking and what your budget allows.
Live MLS Listings
Search Every Home For Sale in St. Pete
Browse every active listing in St. Petersburg, Florida — updated daily from the MLS.
Listings provided via MLS. Contact Alexis directly to schedule a showing.
Let's Get Started
Buying Your First Home Is a Big Deal.
Let's Do It Right.
I work with first-time buyers all the time — I love the process of helping someone find their first home in St. Pete. Reach out and let's have a real conversation.
Talk to Alexis