5032 20TH AVENUE N UNIT 1, ST PETERSBURG, FL, 33710
Active385 days on marketListed Jul 22, 2025MLS #R4909655
About this home
5032 20TH AVENUE N UNIT 1
Virtually Staged. Under Construction. New spec construction luxury residence in the heart of St. Petersburg with attached 2/1 ADU! Offering unmatched flexibility, thoughtful design, and premium finishes throughout. With 5 bedrooms, 5 bathrooms, and a rare attached ADU unit, this home is perfect for multigenerational living, guest accommodations, or generating additional income. Step into a spacious reception area that leads to a separate formal dining room, large living room, and thoughtfully designed kitchen. The main living level features a private study, office, family room, and a versatile bonus room that can serve as an oversized walk-in closet, home gym, or creative space. The attached ADU offers two bedrooms, one bathroom, in unit kitchen and laundry. Ideal as a compliment to the main house! A true standout, this property offers a 3-car garage plus 3 additional off-street parking spaces, providing convenience rarely found in new construction. Enjoy seamless indoor-outdoor living from the expansive front lanai, perfect for relaxing mornings or hosting guests in style. Every detail has been carefully curated — from the open-concept layout to the top-of-the-line finishes — creating a modern, functional, and beautifully crafted home built for how you live today. Don't miss your chance to own this unique, high-end property that combines luxury, location, and livability in one exceptional package. Estimated completion date is early June 2026. Marketing images are renderings of the property as it is currently under construction. The lot is currently being split and will have two separate new construction homes. This listing is for one of the two units. The other unit is listed as well. The lot will be roughly half the size as currently listed.
Facts & features
The home at a glance
7
Bedrooms
5
Bathrooms
3,543
Sqft
0.29 ac
Lot size
3
Garage
2025
Year built
Two
Levels
$254
Per sqft
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.
$5,489 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,489/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.3%
$/sqft vs St Petersburg actives
$254 vs $329
Days on market
385 vs 57 typical
Where $254/sqft sits among the 400 St Petersburg actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33710 — neighborhood snapshot
Population
35,113
Median age
46.1
Median income
$76,908
Median home value
$312,500
Avg household
2.32
Households w/ children
3,314
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)
224 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 134% above the ST PETERSBURG 33710 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 5032 20TH AVENUE N UNIT 1
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$558,250
5039 17TH AVENUE N · same community
6 bd · 3 ba · 2,716 sqft · $206/sqft · 1 DOM
Sold · Aug ’25$884,990
5001 21ST AVENUE N · same community
4 bd · 3.5 ba · 2,531 sqft · $350/sqft · 111 DOM
Sold · Sep ’25$484,500
1740 51ST STREET N · same community
3 bd · 2 ba · 1,507 sqft · $321/sqft · 130 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5032 20TH AVENUE N UNIT 1 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5032 20TH AVENUE N UNIT 1 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
5032 20TH AVENUE N UNIT 1 FAQs
What would the monthly payment be for 5032 20TH AVENUE N UNIT 1?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,489/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 5032 20TH AVENUE N UNIT 1?+
The most recent tax bill on record (2024) was $1,685. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Petersburg?+
At $899,000, this home is listed about 107% above the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5032 20TH AVENUE N UNIT 1?+
Azalea Elementary School (elementary), Azalea Middle School (middle), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$899,000 runs 134% above the ST PETERSBURG 33710 median — but at 3,543 sqft it's also nearly 3 times the size of the typical St Petersburg listing.
02Time on market is leverage
385 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Azalea Elementary School, Azalea Middle School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,200,000, now $899,000 — a $301K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SEACREST ADVISORS LLC · Craig Brown. MLS #R4909655.
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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