David Ramirez
$1,400,0004 bd4 ba3,018 sqft$464 /sqft$9,432 /mo all-in ↓

1028 5TH STREET N, ST PETERSBURG, FL, 33701

Active24 days on marketListed Jul 21, 2026MLS #TB8525269

Single Family ResidenceHOXIES A E SUB

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Upcoming open house

Sat, Aug 15

12:00 AM – 2:00 PM

About this home

1028 5TH STREET N

Where Historic Uptown Meets Modern Living Completed in 2019, this thoughtfully designed single-level residence captures everything people love about Historic Uptown while offering the comfort, efficiency, and enduring quality of modern construction. Ideally situated just moments from Crescent Lake and vibrant downtown St. Petersburg, the property offers more than 3,100 square feet of combined living space, including a fully independent guest residence above the detached garage. A classic bungalow front porch welcomes you home before giving way to bright, light-filled interiors where elevated ceilings, engineered hardwood flooring, expansive hurricane-rated windows, and clean architectural lines create a warm, inviting atmosphere. Every space has been carefully considered, balancing openness with comfort to create a home that feels refined, functional, and effortlessly livable. Designed to bring people together, the kitchen anchors the home with custom cabinetry, quartz countertops, premium stainless steel appliances, double wall ovens, a five-burner natural gas cooktop, walk-in pantry, generous center island, reverse osmosis drinking water system, and abundant storage. It flows naturally into the dining area, spacious living room, and covered lanai, making entertaining and everyday living equally enjoyable. Large hurricane-rated sliding glass doors open to a covered lanai overlooking professionally landscaped grounds designed for year-round enjoyment with minimal maintenance. Irrigation supplied by a private well with rust filtration keeps the landscape lush while reducing utility costs. The split-bedroom floor plan offers exceptional flexibility. The primary suite provides a peaceful retreat with a custom walk-in closet and beautifully appointed bath. A secondary bedroom features its own en suite bath and Murphy bed, allowing the space to transition effortlessly between everyday living and welcoming overnight guests. The third bedroom easily serves as a bedroom, home office, fitness room, or creative studio. Above the detached two-car garage, the fully independent guest residence offers its own private entrance, kitchen, living room, bedroom, bathroom, laundry, and covered balcony. Ideal for extended family, long-term guests, multigenerational living, a private workspace, or rental income, it offers versatility rarely found in Historic Uptown. Alley access, covered carport parking, and a separate electric meter further enhance its functionality. Built with lasting quality in mind, the home features concrete block construction, hurricane-rated windows and patio doors, natural gas service, a tankless gas water heater, whole-house water softening system, 220-volt service in the garage, and no HOA. Life here extends well beyond the property itself. Walk or bike beneath Historic Uptown's canopy of mature oaks to Crescent Lake, neighborhood cafés, local restaurants, museums, waterfront parks, and the energy of downtown St. Petersburg, then return home to one of the city's most cherished neighborhoods. Some homes impress the day you walk through the front door. The best homes continue to impress years later in the way they simplify everyday life. This is one of those homes.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,018

Sqft

0.2 ac

Lot size

2

Garage

2019

Year built

One

Levels

$464

Per sqft

Pets allowed

Inside

FlooringCarpet · Engineered Hardwood · Porcelain Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Kitchen Reverse Osmosis System · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · HardiPlank Type · Stucco
FoundationStem Wall
FacesEast
ExteriorBalcony · Irrigation System · Rain Gutters · Sidewalk

Community & fees

Taxes (2025)$14,312/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Natural Gas 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.

$9,432 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,554
PMI (est., until 20% equity)$525
Property tax — 2025 actual bill$1,193
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $140,000Loan30-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% · $140,000
Interest rate6.00%
Loan term

Estimated payment

$9,432/mo

Principal & interest$7,554
PMI (est., until 20% equity)$525
Property taxes (actual bill)$1,193
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.

List $1.4M
$1.3MedgeAI estimate $1,963,097 · range $1.5M$2.5M$2.6M

vs edgeAI estimate

−28.7%

$/sqft vs St Petersburg actives

$464 vs $336

Days on market

24 vs 58 typical

Where $464/sqft sits among the 400 St Petersburg actives

135
138
58 · this home
28
11
30
$134–271$271–408$408–545$545–682$682–818$818+

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 Historic Uptown

Map of 1028 5TH STREET N inside its neighborhood boundary

Drive times from this address

Downtown Tampa28 min
Tampa Int’l Airport (TPA)28 min

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

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

Historic Uptown — neighborhood snapshot

Population

3,698

Median age

36

Median income

$72,026

Median home value

$501,273

Avg household

2

Households w/ children

204

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 seller4.2 months of inventoryBuyer’s market

$380K$402K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

228 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 82% above the ST PETERSBURG 33701 median. See the full St Petersburg market guide →

Paper trail

This home's history

Jul 21, 2026Listed at $1,400,000 · 24 days on market since
2019Built · HOXIES A E SUB

Reality check

What actually sold near 1028 5TH STREET N

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

535 11TH AVENUE NSold · Jul ’26

$408,000

535 11TH AVENUE N · same community

2 bd · 2 ba · 932 sqft · $438/sqft · 32 DOM

645 11TH AVENUE NSold · May ’26

$300,000

645 11TH AVENUE N · same community

2 bd · 1 ba · 858 sqft · $350/sqft · 0 DOM

275 1ST AVENUE S UNIT 4101Sold · Jul ’26

$4,150,000

275 1ST AVENUE S UNIT 4101

3 bd · 4.5 ba · 3,157 sqft · $1,315/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 1028 5TH 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 1028 5TH STREET N — before you fall in love.

See it in person

Schedule a tour

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Straight answers

1028 5TH STREET N FAQs

What would the monthly payment be for 1028 5TH STREET N?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,432/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 1028 5TH STREET N?+

The most recent tax bill on record (2025) was $14,312. 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 1028 5TH 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 $1,400,000, this home is listed about 222% 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 1028 5TH 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.

Listing courtesy of EXP REALTY LLC · Heather Brookey. MLS #TB8525269.

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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