3995 40TH STREET N, ST PETERSBURG, FL, 33714
Active85 days on marketListed May 20, 2026MLS #TB8510601
About this home
3995 40TH STREET N
Clean, updated, and ready for move-in, this 3 bedroom, 2 bath home offers a comfortable layout in a highly convenient St. Petersburg location. The kitchen and both bathrooms have been fully renovated, giving the home a fresh, modern feel throughout. Inside, you’ll find a bright living area with good natural light and a layout that flows easily for everyday living. You’re about 10–15 minutes to downtown St. Pete, 15 to 20 minutes to St. Pete Beach and just 5 minutes to local favorite Mazzaro’s Italian Market on 22nd Ave N. Everyday essentials are just as close. If you’re looking for an updated rental in a central location that makes getting around St. Pete easy, this one is definitely worth a look.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,246
Sqft
0.17 ac
Lot size
1956
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $336
Days on market
85 vs 57 typical
Where $2/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 33714 — neighborhood snapshot
Population
20,103
Median age
40.9
Median income
$47,221
Median home value
$177,500
Avg household
2.41
Households w/ children
1,835
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)
227 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 99% below the ST PETERSBURG 33714 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 3995 40TH STREET N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$305,000
3926 40TH AVENUE N · same community
3 bd · 1 ba · 960 sqft · $318/sqft · 7 DOM
Sold · Nov ’25$670,000
3925 39TH AVENUE N · same community
3 bd · 2 ba · 2,104 sqft · $318/sqft · 14 DOM
Sold · Dec ’25$714,990
3911 39TH AVENUE N · same community
4 bd · 3 ba · 2,671 sqft · $268/sqft · 42 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 3995 40TH STREET N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3995 40TH 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.
Straight answers
3995 40TH STREET N FAQs
What would the monthly payment be for 3995 40TH STREET N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3995 40TH STREET N?+
The listing reports pets: No. 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 $2,200, this home is listed about 99% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3995 40TH STREET N?+
Lealman Avenue Elementary School (elementary), Dixie M. Hollins High School (high), Pinellas Park Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA DRIVEN REAL ESTATE · Savi Thach. MLS #TB8510601.
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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