
1028 5TH STREET N, ST PETERSBURG, FL, 33701
Active24 days on marketListed Jul 21, 2026MLS #TB8525269
Come see it
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
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.
$9,432 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,432/mo
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.
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
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
Drive times from this address
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
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)
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
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.
Sold · Jul ’26$408,000
535 11TH AVENUE N · same community
2 bd · 2 ba · 932 sqft · $438/sqft · 32 DOM
Sold · May ’26$300,000
645 11TH AVENUE N · same community
2 bd · 1 ba · 858 sqft · $350/sqft · 0 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1028 5TH STREET N — start here.

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
Pick a day that works — this goes straight to David's phone and CRM.
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.
Keep looking
Similar homes nearby
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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