2235 20TH ST S, ST PETERSBURG, FL, 33712
Active530 days on marketListed Feb 28, 2025MLS #TB8355828
Come see it
Upcoming open house
Sun, Aug 16
2:00 PM – 5:00 PM
About this home
2235 20TH ST S
Move-in-ready 3-bedroom, 2-bath home just minutes from downtown St. Petersburg. Recent updates include a brand-new roof, remodeled bathrooms, updated kitchen with quartz countertops and stainless steel appliances, and durable flooring throughout. The split-bedroom floor plan offers comfortable single-level living, while the rare two-car garage, alley access, and fully fenced backyard provide functionality that's hard to find at this price point. Located in a non-flood zone with no HOA, this home offers lower ownership costs and peace of mind. A smart option for buyers seeking an updated home with garage space, outdoor living, and convenient access to downtown, beaches, shopping, dining, and major roadways. Furniture may be available separately.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,247
Sqft
0.14 ac
Lot size
2
Garage
1952
Year built
One
Levels
$281
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.
$2,858 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,858/mo
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.
vs edgeAI estimate
+2.2%
$/sqft vs St Petersburg actives
$281 vs $336
Days on market
530 vs 58 typical
Where $281/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 Lake Maggiore Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Lake Maggiore Shores — neighborhood snapshot
Population
2,498
Median age
37
Median income
$76,256
Median home value
$250,350
Avg household
3
Households w/ children
128
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)
224 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 11% above the ST PETERSBURG 33712 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 2235 20TH ST S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$395,000
7740 NW 9th Ave, Miami FL 33150 · same community
2 bd · 1 ba · 1,354 sqft · $292/sqft · 61 DOM
Sold · Jul ’26$450,000
2411 COVINA WAY S
3 bd · 1 ba · 1,253 sqft · $359/sqft · 4 DOM
Sold · Jun ’26$492,000
2575 GRANADA CIRCLE E
3 bd · 2 ba · 1,206 sqft · $408/sqft · 14 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2235 20TH ST S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2235 20TH ST S — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2235 20TH ST S FAQs
What would the monthly payment be for 2235 20TH ST S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,858/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 2235 20TH ST S?+
The most recent tax bill on record (2024) was $5,802. 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 2235 20TH ST S?+
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 $349,900, this home is listed about 20% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2235 20TH ST S?+
Campbell Park Elementary School (elementary), Gibbs High School (high), Bay Point Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$349,900 runs 11% above the ST PETERSBURG 33712 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
530 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $415,000, now $349,900 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 RE CHAMPIONS · Nicole Nauman. MLS #TB8355828.
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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