540 14TH STREET N, ST PETERSBURG, FL, 33705
Active278 days on marketListed Nov 13, 2025MLS #TB8429450
About this home
540 14TH STREET N
Value add portfolio of 18 Units in Downtown St Petersburg including 6 houes, 1 quads, 4 duplexes. 100% occupied with high rents with annual gross of $323,604.Also included in the sale would the lots located between units 610 14th Street and 544 14th St N where you can build additional units. Fantastic location located right next to Baycare's St Anthonys hospital. Property stays consistently occupied due to it's downtown location and proximity to the hospital. Perfect investment to do improvements and increase rents. Rents are 15-20% below market with 60 day termination clauses. Currently going through zoning change to allow more density.
Facts & features
The home at a glance
23
Bedrooms
70,480
Sqft
1.62 ac
Lot size
1977
Year built
$43
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.
$17,473 /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
$20,223/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$43 vs $344
Days on market
278 vs 57 typical
Where $43/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 33705 — neighborhood snapshot
Population
27,024
Median age
44
Median income
$70,783
Median home value
$321,500
Avg household
2.27
Households w/ children
2,157
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)
230 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 927% 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 540 14TH 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 · Jun ’26$1,575,000
3616 W PLATT STREET · same community
4 bd · 5 ba · 3,705 sqft · $425/sqft · 394 DOM
Sold · Feb ’26$1,900,000
3601 W PLATT STREET · same community
5 bd · 3.5 ba · 3,625 sqft · $524/sqft · 96 DOM
Sold · Sep ’25$1,375,000
3903 W DE LEON STREET · same community
4 bd · 3.5 ba · 3,336 sqft · $412/sqft · 93 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 540 14TH STREET N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 540 14TH STREET N — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
540 14TH STREET N FAQs
What would the monthly payment be for 540 14TH STREET N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $17,473/mo — principal and interest, estimated property taxes 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 540 14TH STREET N?+
The most recent tax bill on record (2024) was $0. 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 $3,000,000, this home is listed about 587% above the St Petersburg median of $436,900. The market section on this page shows how the area is trending.
Which schools are assigned to 540 14TH STREET N?+
Lakewood Elementary School (elementary), Lakewood 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
Three things that matter here
01Positioned at the premium end
$3,000,000 runs 927% above the ST PETERSBURG 33705 median — but at 70,480 sqft it's also nearly 53 times the size of the typical St Petersburg listing.
02Time on market is leverage
278 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $3,650,000, now $3,000,000 — a $650K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ELITE TAMPA BAY REALTY LLC · David Weylie. MLS #TB8429450.
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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