400 20TH STREET N, ST PETERSBURG, FL, 33713
Active20 days on marketListed Jul 22, 2026MLS #TB8531733
About this home
400 20TH STREET N
Historic Kenwood Duplex | Fully Updated | Two 2BR/1BA Units | New Roof 2025 Exceptional investment opportunity or owner-occupant residence in the heart of Historic Kenwood! This beautifully maintained two-story duplex offers the perfect blend of timeless character and thoughtful modern updates, featuring two spacious 2-bedroom, 1-bath units—one upstairs and one downstairs—each filled with charm, abundant natural light, and classic architectural details. From the moment you arrive, the home's inviting curb appeal, mature tropical landscaping, and welcoming front entry reflect the unique character that makes Historic Kenwood one of St. Petersburg's most sought-after neighborhoods. Inside, both residences showcase original hardwood floors, graceful arched doorways, high ceilings, oversized windows, built-in shelving, and the craftsmanship that defines this historic community. Each unit offers a spacious open living and dining room combination that creates an inviting atmosphere for everyday living or entertaining. The beautifully preserved hardwood flooring extends throughout the living areas and bedrooms, while large windows flood each home with natural light. The updated kitchens each offer their own unique style while sharing exceptional functionality. Features include abundant cabinetry, pull-out shelving, lazy Susan corner storage, spice organizers, tray storage, and generous workspace designed to maximize efficiency without sacrificing character. All spacious bedrooms feature original hardwood flooring, generous closet space, and large windows, while the tastefully renovated bathrooms combine vintage appeal with modern finishes including vessel sinks, decorative mirrors, and oversized walk-in showers. Major updates provide peace of mind, including a new roof (2025), one new A/C system (2025), and the second A/C replaced in 2018, offering improved energy efficiency and long-term value. Step outside to enjoy the large privacy-fenced backyard—perfect for relaxing, entertaining, gardening, or pets. A rear alley provides access to the detached two-car garage, offering excellent storage and convenient off-street parking. Whether you're looking to live in one unit while generating rental income from the other, expand your investment portfolio, or own a beautifully preserved piece of St. Petersburg history, this exceptional property offers endless possibilities. Ideally located just minutes from vibrant downtown St. Petersburg, award-winning restaurants, breweries, museums, waterfront parks, shopping, and easy access to I-275, this rare Historic Kenwood duplex combines classic architecture, modern updates, and an unbeatable location. This is a rare opportunity to own a beautifully updated income-producing property in one of St. Petersburg's most beloved historic neighborhoods. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2,688
Sqft
0.15 ac
Lot size
2
Garage
1939
Year built
Two
Levels
$279
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.
$5,650 /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
$5,650/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
$279 vs $327
Days on market
20 vs 57 typical
Where $279/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 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
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)
223 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 72% above the ST PETERSBURG 33713 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 400 20TH 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 · Mar ’26$1,750,000
2101 3RD AVENUE N · same community
4 bd · 3.5 ba · 2,887 sqft · $606/sqft · 254 DOM
Sold · Jul ’26$926,949
2125 BURLINGTON AVENUE N · same community
3 bd · 3 ba · 2,198 sqft · $422/sqft · 3 DOM
Sold · Jan ’26$837,500
2101 BURLINGTON AVENUE N · same community
3 bd · 2 ba · 1,618 sqft · $518/sqft · 4 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 400 20TH STREET N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 20TH 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
400 20TH STREET N FAQs
What would the monthly payment be for 400 20TH STREET N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,650/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 400 20TH STREET N?+
The most recent tax bill on record (2025) was $13,944. 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 $749,900, this home is listed about 72% 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 400 20TH 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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Bill Smith. MLS #TB8531733.
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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