David Ramirez
$550,0004 bd3 ba1,538 sqft$358 /sqft$4,303 /mo all-in ↓

601 45TH STREET N, ST PETERSBURG, FL, 33713

Active26 days on marketListed Jul 9, 2026MLS #TB8526357

Single Family ResidenceKENILWORTH

About this home

601 45TH STREET N

Some homes simply have a personality all their own. Nestled beneath a majestic shade oak behind a charming white picket fence, this lovingly updated Central Oak Park/Kennilworth home offers character, flexibility, and a floor plan that adapts to your life. Designed for comfortable everyday living, the heart of the home features an updated kitchen with soft-close cabinetry, Savaii quartz countertops, new appliances, built-in features, and an open layout that flows seamlessly into the living and dining areas beneath soaring vaulted ceilings. Premium carbonized solid bamboo flooring adds warmth and durability throughout much of the home, while the downstairs bathrooms have been tastefully updated with marble and quartz finishes. The upstairs primary suite and ensuite bath remain ready for your personal touch, allowing you to enjoy the extensive updates already completed throughout the home while customizing your private owner's retreat over time. Throughout the home, quality finishes and thoughtful improvements create a warm, inviting atmosphere that is both functional and timeless. What truly sets this home apart is its remarkably flexible floor plan. The upstairs primary suite enjoys exceptional privacy with both interior and private exterior stair access, creating outstanding potential for an in-law suite, guest quarters, a private owner's retreat, or studio-style living space. On the opposite side of the home, two adjoining bedrooms share a full bath and private entrance, creating an ideal space for multigenerational living, extended family, guests, a home office, or income-producing possibilities. One of these rooms also lends itself beautifully as a bonus room, media room, or flex space if a fourth bedroom isn't needed. Whether you're accommodating extended family, welcoming long-term guests, working from home, or exploring supplemental rental income, this is a home that adapts to your life without sacrificing comfort or privacy. For added peace of mind, many of the home's most significant improvements have already been completed, including a new roof (2023), HVAC system (2021), all new sewer lines including the lateral line (2024), a new 3/4-inch CPVC water service line from the city connection to the home (2023), new copper water lines serving the kitchen and main bathroom, and an owned One Green water softener installed in 2025. Step outside to your own private garden retreat, where mature landscaping and inviting outdoor seating areas create the perfect setting for relaxing or entertaining year-round. Ideally located just minutes from vibrant Downtown St. Petersburg, approximately 15 minutes from the Gulf beaches, and only blocks from both the SunRunner and the Pinellas Trail, this home offers convenient access to everything that makes St. Petersburg one of Florida's most desirable places to live. THIS PROPERTY QUALIFIES FOR A 1% LENDER INCENTIVE WHEN USING THE PREFERRED LENDER. INQUIRE FOR DETAILS.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

1,538

Sqft

0.11 ac

Lot size

1947

Year built

Two

Levels

$358

Per sqft

Pets allowed

Inside

FlooringBamboo · Porcelain Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Microwave · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Split Bedroom · Stone Counters · Thermostat · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesWest
ParkingConverted Garage · Garage Door Opener · Off Street · On Street · Open
ExteriorGarden

Community & fees

Taxes (2025)$7,942/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Fire Hydrant · Public · Sewer Connected · Street Lights · 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.

$4,303 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property tax — 2025 actual bill$662
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,250Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $19,250
Interest rate6.00%
Loan term

Estimated payment

$4,303/mo

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property taxes (actual bill)$662
Est. insurance$160

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.

List $550K
$492KedgeAI estimate $597,770 · range $512K$670K$697K

vs edgeAI estimate

−8%

$/sqft vs St Petersburg actives

$358 vs $322

Days on market

26 vs 54 typical

Where $358/sqft sits among the 400 St Petersburg actives

131
129 · this home
67
27
17
29
$137–263$263–388$388–514$514–640$640–766$766+

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

Map of 601 45TH STREET N

Drive times from this address

Downtown Tampa29 min
Tampa Int’l Airport (TPA)29 min

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

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

ST PETERSBURG 33713 — neighborhood snapshot

Population

31,835

Median age

42.4

Median income

$69,704

Median home value

$279,000

Avg household

2.17

Households w/ children

3,135

For the school run

Pinellas County School District

ElementaryJohn M. Sexton Elementary School★★★★★
MiddleMeadowlawn Middle School★★★★★
HighSt. Petersburg High 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$420K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

199 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 24% above the ST PETERSBURG 33713 median. See the full St Petersburg market guide →

Paper trail

This home's history

Jul 9, 2026Listed at $550,000 · 26 days on market since
1947Built · KENILWORTH

Reality check

What actually sold near 601 45TH STREET N

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

4555 6TH AVENUE NSold · Apr ’26

$287,500

4555 6TH AVENUE N · same community

2 bd · 2 ba · 1,589 sqft · $181/sqft · 0 DOM

4301 5TH AVENUE NSold · Aug ’25

$480,000

4301 5TH AVENUE N · same community

3 bd · 2.5 ba · 1,620 sqft · $296/sqft · 36 DOM

605 51ST STREET WSold · Jan ’26

$295,000

605 51ST STREET W · same community

2 bd · 1 ba · 1,258 sqft · $234/sqft · 58 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 601 45TH 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 601 45TH STREET N — before you fall in love.

See it in person

Schedule a tour

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Straight answers

601 45TH STREET N FAQs

What would the monthly payment be for 601 45TH STREET N?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,303/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 601 45TH STREET N?+

The most recent tax bill on record (2025) was $7,942. 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 601 45TH 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 $550,000, this home is listed about 25% above the St Petersburg median of $439,900. The market section on this page shows how the area is trending.

Which schools are assigned to 601 45TH STREET N?+

John M. Sexton Elementary School (elementary), Meadowlawn Middle School (middle), St. Petersburg High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of EPIQUE REALTY INC. · Terri Labrie. MLS #TB8526357.

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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