120 SW MONROE CIRCLE N, ST PETERSBURG, FL, 33703
Active314 days on marketListed Oct 1, 2025MLS #TB8418068
About this home
120 SW MONROE CIRCLE N
Priced Reduced! A 3 Bed, 2 Bath, 2 Car Garage home off 4 St N in St Pete.This home is offered at an affordable price because of the repairs needed. The cost of those repairs have been subtracted from the market value of the property fixed up. If you want to buy a home to live in, this property offers HUGE value. 1) Buy at a low price. 2) Have necessary work done, then YOU decide what else YOU want to have done, if ANYTHING. Ideally located off 4th St N it is close to so many conveniences such as shopping, restaurants, groceries, downtown, medical, transportation and so much more. Well built contruction, this home has withstood the test of time and all kinds of weather since 1965! The house is on a 98x130 foot lot with room for a pool or additions. A split bedroom floor plan maximizes privacy and easy access to all rooms. Tile and bamboo flooring except in 2 bedrooms. An enclosed air conditioned back porch, oversized 2 car garage with the washer/dryer, water heater and utility sink. A newer AC system, and the security system is included. Make an appointment and come see this home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,638
Sqft
0.3 ac
Lot size
2
Garage
1965
Year built
One
Levels
$244
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.
$2,804 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,804/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−10.5%
$/sqft vs NORTH ST PETERSBURG
$244 vs $271
Days on market
314 vs 57 typical
Where $244/sqft sits among the 10 homes for sale in NORTH ST PETERSBURG
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 Edgemoor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Edgemoor — neighborhood snapshot
Population
3,577
Median age
37
Median income
$77,342
Median home value
$288,977
Avg household
2
Households w/ children
346
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)
8 of 10
NORTH ST PETERSBURG have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 120 SW MONROE CIRCLE N
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$390,000
516 NORTHMOOR AVENUE N · same community
4 bd · 2.5 ba · 1,676 sqft · $233/sqft · 36 DOM
Sold · Dec ’25$350,000
527 GLENOAK STREET N · same community
3 bd · 2 ba · 1,574 sqft · $222/sqft · 19 DOM
Sold · Aug ’26$390,000
771 MURPHY AVENUE N · same community
4 bd · 2 ba · 1,573 sqft · $248/sqft · 194 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 120 SW MONROE CIRCLE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 SW MONROE CIRCLE N — 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
120 SW MONROE CIRCLE N FAQs
What would the monthly payment be for 120 SW MONROE CIRCLE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,804/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 120 SW MONROE CIRCLE N?+
The most recent tax bill on record (2024) was $1,357. 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 $399,900, this home is listed about 8% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 120 SW MONROE CIRCLE N?+
Meadowlawn Middle School (middle), Northeast High School (high), Shore Acres Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST PETERSBURG 33703 market on paper
$399,900 is 7% below the ST PETERSBURG 33703 median of $432,000, and at $244/sqft it sits under the St Petersburg average of $382.
02Time on market is leverage
314 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Meadowlawn Middle School, Northeast High School, Shore Acres Elementary School — Shore Acres Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $439,900, now $399,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Glenn Tutt. MLS #TB8418068.
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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