4105 18TH AVENUE S, ST PETERSBURG, FL, 33711
Active109 days on marketListed Apr 23, 2026MLS #TB8501353
About this home
4105 18TH AVENUE S
One or more photo(s) has been virtually staged. Live in the beautifully remodeled 3-bedroom, 1-bath main home offering approximately 1,253 total square feet, while collecting rent from the separate 1-bedroom, 1-bath, 603 square foot home to help offset your mortgage payment. This unique property offers the flexibility of owner-occupancy with built-in income, multi-generational living, or long-term investment potential. The property is zoned NTM-1, a special City of St. Petersburg zoning category designed to allow more housing flexibility than a typical single-family lot. In simple terms, this zoning may allow future redevelopment into additional residential units such as duplexes, triplexes, townhomes, or small multifamily housing configurations (buyer to verify with the City of St. Petersburg). Situated on an 8,255 SF lot with alley access, the property offers strong future redevelopment potential while still producing immediate income today. The existing setup includes a fully remodeled 3-bedroom main home and a separate 1-bedroom accessory dwelling unit currently generating strong rental income. Both homes have been extensively updated with remodeled kitchens, fresh interior paint, and newer roofing. Alley access also creates additional flexibility for future parking and site design. Located within an Opportunity Zone in the rapidly evolving St. Petersburg market, this property offers a rare combination of immediate usability, rental income, and long-term upside for both homeowners and investors alike.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,856
Sqft
0.19 ac
Lot size
1922
Year built
One
Levels
$269
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.
$3,864 /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
$3,864/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
+21.8%
$/sqft vs St Petersburg actives
$269 vs $329
Days on market
109 vs 57 typical
Where $269/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 33711 — neighborhood snapshot
Population
18,347
Median age
38.5
Median income
$68,295
Median home value
$253,100
Avg household
2.35
Households w/ children
1,371
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)
222 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 59% above the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4105 18TH AVENUE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$300,000
1745 41ST STREET S · same community
2 bd · 2 ba · 961 sqft · $312/sqft · 32 DOM
Sold · Mar ’26$257,500
1711 41ST STREET S · same community
3 bd · 1 ba · 840 sqft · $307/sqft · 48 DOM
Sold · Apr ’26$130,000
1734 NEWARK STREET S · same community
1 bd · 1 ba · 579 sqft · $225/sqft · 8 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 4105 18TH AVENUE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4105 18TH AVENUE S — 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
4105 18TH AVENUE S FAQs
What would the monthly payment be for 4105 18TH AVENUE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,864/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 4105 18TH AVENUE S?+
The most recent tax bill on record (2025) was $6,475. 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 4105 18TH AVENUE S?+
The listing reports pets: Cats OK, Dogs OK, 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 $499,900, this home is listed about 16% above the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4105 18TH AVENUE S?+
Bay Point Middle School (middle), Gulfport Montessori Elementary School (elementary), Lakewood High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$499,900 runs 59% above the ST PETERSBURG 33711 median — but at 1,856 sqft it's also 38% larger than the typical St Petersburg listing.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $519,900, now $499,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORNERSTONE PROP.INTERNATIONAL · Steve Eckhardt. MLS #TB8501353.
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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