109 20TH AVENUE S, ST PETERSBURG, FL, 33705
Active10 days on marketListed Jul 31, 2026MLS #TB8531729
About this home
109 20TH AVENUE S
HIGH AND DRY! NOT IN A FLOOD ZONE! Welcome to the brick-lined streets of St. Petersburg, where neighborhood charm, waterfront recreation, and easy access to downtown come together. This unique property features a 2-bedroom, 1-bathroom main home plus a detached 1-bedroom, 1-bathroom ADU, offering incredible flexibility and potential rental income. A spacious front deck provides a welcoming place to relax beneath the shade of mature trees. Stepping inside the main home, abundant natural light and wood-look flooring flow throughout the living and dining spaces. The kitchen offers ample cabinetry and countertop space, stainless steel appliances, and recessed lighting. Both bedrooms are a comfortable size and share a full bathroom. Outside, the vinyl-fenced property creates a private retreat with an expansive pavered courtyard connecting the main residence to the detached ADU. A large rear gate provides private alley access for conveniently parking a vehicle or storing a boat, while still leaving ample yard space to enjoy. The property also includes a storage shed for tools, recreational equipment, and additional belongings. The separate dwelling features its own living space, kitchen, bedroom, and full bathroom with a walk-in shower. Additional highlights include newer roofs on both the main home and ADU, along with newer pavers, windows, front deck, and more. Just blocks from the Tampa Bay waterfront, residents can enjoy morning walks, kayaking, or sunset picnics across the 14-acre green space at beloved Lassing Park. Downtown St. Pete is only minutes away, placing waterfront dining, local coffee shops, museums, Tropicana Field, the St. Pete Pier, USF St. Petersburg, and the vibrant Central Avenue corridor within easy reach. With convenient access to I-275, area hospitals, and Gulf beaches, this is a rare opportunity to enjoy one of St. Pete’s most character-filled neighborhoods with the versatility of two separate residences.
Facts & features
The home at a glance
3
Bedrooms
1,346
Sqft
0.16 ac
Lot size
1927
Year built
$490
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.
$4,585 /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
$4,585/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.
$/sqft vs St Petersburg actives
$490 vs $327
Days on market
10 vs 55 typical
Where $490/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 Old Southeast
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Old Southeast — neighborhood snapshot
Population
1,372
Median age
51
Median income
$96,043
Median home value
$399,708
Avg household
2
Households w/ children
70%
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)
220 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 128% above the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 20TH 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 · Dec ’25$480,000
220 19TH AVENUE S · same community
3 bd · 3 ba · 1,352 sqft · $355/sqft · 172 DOM
Sold · Jul ’26$415,000
227 22ND AVENUE S · same community
2 bd · 3 ba · 1,273 sqft · $326/sqft · 0 DOM
Sold · May ’26$830,000
165 19TH AVENUE SE · same community
3 bd · 2 ba · 1,235 sqft · $672/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 109 20TH AVENUE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 20TH 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
109 20TH AVENUE S FAQs
What would the monthly payment be for 109 20TH AVENUE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,585/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 109 20TH AVENUE S?+
The most recent tax bill on record (2025) was $7,389. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Petersburg?+
At $660,000, this home is listed about 53% 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 109 20TH AVENUE S?+
Campbell Park Elementary School (elementary), John Hopkins Middle School (middle), Lakewood High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MAVREALTY · Cody Chisholm. MLS #TB8531729.
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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