David Ramirez
$3,495,000$3,750,0003 bd4.5 ba3,861 sqft$905 /sqft$20,896 /mo all-in ↓

321 2ND STREET N, ST PETERSBURG, FL, 33701

Active143 days on marketListed Mar 25, 2026MLS #TB8489207

Reduced $255KNew constructionTownhouseREV MAP OF ST PETERSBURG

About this home

321 2ND STREET N

Welcome to 321 2nd St N in the heart of vibrant Downtown St. Petersburg—one of two truly remarkable, custom-designed townhomes by Next Design & Build. Offering 3 bedrooms plus a den, 4.5 bathrooms, a private elevator, and a 2-car garage, this three-story residence spans approximately 3,900 square feet of thoughtfully curated living space. Enter through your private front entrance to the first level, where a versatile flex space with a full bathroom offers the ideal setup for a home office, den, or can easily function as a fourth bedroom. This level also features a dedicated laundry room, access to a rear porch and backyard, and entry to the attached two-car garage. A custom elevator provides seamless access to all three floors. The second level is dedicated to the home’s sleeping quarters, including a spacious primary suite that serves as a true retreat, complete with a spa-inspired bathroom. Two additional generously sized bedrooms, each with their own en-suite bathrooms, offer comfort and privacy for family or guests. The third level is the showpiece of the home—an expansive open-concept living space designed for both everyday living and elevated entertaining. The chef’s kitchen features double islands, custom cabinetry by Stephen D. Fine Cabinetry, and a premium Sub-Zero and Wolf appliance package, including double ovens. A butler’s pantry enhances both form and function, while the living area opens seamlessly to a spacious balcony, perfect for enjoying fresh air and the energy of downtown living. A stylish half bath completes this level. Throughout the home, you’ll find high-quality finishes and thoughtful details, including hardwood flooring by Integrity Flooring, luxury tile and quartz surfaces, trimless doors, and impact-rated ES windows and doors, including the garage door. A striking wraparound staircase with glass railings and a custom elevator serve as both functional elements and architectural focal points. Comfort is ensured year-round with three LG 19 SEER A/C systems, providing efficient, zoned climate control. A rare opportunity to own a one-of-a-kind luxury townhome in one of St. Petersburg’s most sought-after locations, just moments from downtown dining, waterfront parks, and city amenities

Facts & features

The home at a glance

3

Bedrooms

4.5

Bathrooms

3,861

Sqft

0.05 ac

Lot size

2

Garage

2025

Year built

Three Or More

Levels

$905

Per sqft

City viewPets allowed

Inside

FlooringTile · Hardwood
AppliancesBuilt-In Oven · Convection Oven · Dishwasher · Disposal · Dryer · Microwave · Range Hood · Refrigerator · Washer · Water Filtration System · Wine Refrigerator
InteriorCeiling Fan(s) · Elevator · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Wet Bar
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofOther
ConstructionBlock
FoundationSlab
ViewCity
FacesWest
ParkingCovered · Driveway · Garage Door Opener
ExteriorBalcony · Irrigation System · Lighting · Private Mailbox · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$6,796/yr
PetsYes
CommunityNone

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$20,896 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$18,859
PMI (est., until 20% equity)$1,311
Property tax — 2025 actual bill$566
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $349,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $349,500
Interest rate6.00%
Loan term

Estimated payment

$20,896/mo

Principal & interest$18,859
PMI (est., until 20% equity)$1,311
Property taxes (actual bill)$566
Est. insurance$160

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.

$/sqft vs St Petersburg actives

$905 vs $340

Days on market

143 vs 57 typical

Where $905/sqft sits among the 400 St Petersburg actives

140
132
59
28
11
30 · this home
$137–273$273–410$410–546$546–683$683–819$819+

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 Downtown St Petersburg

Map of 321 2ND STREET N inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)27 min
Downtown Tampa28 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Petersburg. See the full St Petersburg guide →

Downtown St Petersburg — neighborhood snapshot

Population

3,169

Median age

60

Median income

$50,655

Median home value

$619,783

Avg household

1

Households w/ children

55%

For the school run

Pinellas County School District

MiddleJohn Hopkins Middle School★★★★★
HighSt. Petersburg High School★★★★★
ElementaryNorth Shore Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$380K$402K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

229 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 357% above the ST PETERSBURG 33701 median. See the full St Petersburg market guide →

Paper trail

This home's history

CurrentPrice reduced to $3,495,000 $255K
Mar 25, 2026Listed at $3,750,000 · 143 days on market since
2025Built · REV MAP OF ST PETERSBURG

Reality check

What actually sold near 321 2ND STREET N

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1030 11TH AVENUE SSold · Dec ’25

$825,000

1030 11TH AVENUE S

3 bd · 2.5 ba · 2,554 sqft · $323/sqft · 43 DOM

1530 12TH AVENUE SSold · Jul ’26

$539,999

1530 12TH AVENUE S

4 bd · 2.5 ba · 2,548 sqft · $212/sqft · 31 DOM

427 11TH AVENUE SSold · Mar ’26

$850,000

427 11TH AVENUE S

4 bd · 3.5 ba · 2,340 sqft · $363/sqft · 0 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 321 2ND STREET N — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 321 2ND STREET 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.

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By checking this box, I agree that CENTURY 21 Edge and my agent may send me marketing and promotional text messages — including new listings, market updates, open houses and home value reports — at the phone number I provide, including by automated means. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

Goes straight to David’s phone and CRM.

Straight answers

321 2ND STREET N FAQs

What would the monthly payment be for 321 2ND STREET N?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,896/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 321 2ND STREET N?+

The most recent tax bill on record (2025) was $6,796. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 321 2ND STREET N?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Petersburg?+

At $3,495,000, this home is listed about 710% above the St Petersburg median of $431,250. The market section on this page shows how the area is trending.

Which schools are assigned to 321 2ND STREET N?+

John Hopkins Middle School (middle), St. Petersburg High School (high), North Shore 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

01Positioned at the premium end

$3,495,000 runs 357% above the ST PETERSBURG 33701 median — but at 3,861 sqft it's also nearly 3 times the size of the typical St Petersburg listing.

02City views

The city view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

143 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $3,750,000, now $3,495,000 — a $255K cut. The full history is in the market section below.

Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Christopher Pitre, Pa. MLS #TB8489207.

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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