CENTURY 21 Edge
$1,495,000$1,595,0003 bd3.5 ba2,376 sqft$629 /sqft$10,323 /mo all-in ↓

123 5TH AVENUE N, ST PETERSBURG, FL, 33701

Active271 days on marketListed Nov 17, 2025MLS #TB8446848

Reduced $100KTownhouse5TH AVE TWNHMS

About this home

123 5TH AVENUE N

Welcome to this sophisticated, nearly-new residence built in 2019, located in a NON-FLOOD and NON-EVACUATION ZONE, offering 2,376 square feet of beautifully designed living space where Downtown St. Petersburg meets the highly sought-after Old Northeast. This 3-bedroom, 3.5-bath New York–style townhouse with a private rooftop deck seamlessly blends luxury, modern design, and everyday comfort—creating an exceptional urban retreat in the heart of the city. Perfectly positioned on 5th Avenue North, this home places you just two blocks from the iconic Vinoy Hotel in one direction and the Palladium Performing Arts Center in the other. Experience the best of “Sunshine City” living with walkable access to over 150 restaurants along Beach Drive and Central Avenue, eight museums including the Dalí, the St. Pete Yacht Club, marina, waterfront parks, and a vibrant calendar of events such as the Saturday Morning Market and the annual Grand Prix. Enjoy morning Tai Chi by the bay or explore one of the largest urban waterfront park systems in North America, all just steps from your front door. Adding to the appeal, Florida is a fiscally responsible state with no state income tax and no inheritance tax, enhancing both your lifestyle and long-term financial efficiency. Inside, the home showcases an impressive combination of style and function. The main living area is designed for both entertaining and everyday living, featuring soaring 10-foot ceilings and a bright open-concept layout. The gourmet kitchen is a true centerpiece, complete with quartz countertops, Bosch stainless steel appliances, a gas range, soft-close cabinetry, a pantry, and a large island. High-end finishes are found throughout, including engineered hardwood floors, solid-core doors, designer lighting, and Hunter Douglas window treatments. The luxurious primary suite offers a spa-like retreat with dual vanities, a large walk-in shower, and a custom walk-in closet. Each additional bedroom features its own en-suite bath, ensuring comfort and privacy for family and guests alike. Designed with flexibility in mind, the first-floor en-suite bedroom is ideal for guests, a home office, or multi-generational living. Upstairs, a spacious flex area with a wet bar and wine refrigerator creates the perfect setting for entertaining or relaxing, opening to your private rooftop terrace where you can take in skyline views, enjoy al fresco dining, or unwind with sunset cocktails. Built with quality and efficiency, the home includes PGT impact-rated windows, a tankless gas water heater, and superior insulation for added comfort and peace of mind. Additional conveniences include a main-level half bath, a dedicated laundry room, and an attached two-car garage. Low HOA fees of just $380 per month cover water, trash, sewer, exterior maintenance, insurance, and landscaping—offering a truly low-maintenance, lock-and-leave lifestyle. Luxury, location, and lifestyle converge at 123 5th Ave N—an exceptional opportunity to live in one of St. Petersburg’s most desirable and walkable neighborhoods.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,376

Sqft

0.02 ac

Lot size

2

Garage

2019

Year built

Three Or More

Levels

$629

Per sqft

Pets allowed

Inside

FlooringEngineered Hardwood
AppliancesDishwasher · Disposal · Exhaust Fan · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Wine Refrigerator
InteriorCrown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofBuilt-Up · Membrane
ConstructionBlock · Concrete · Metal Siding · Stucco · Wood Frame
FoundationBlock · Concrete Perimeter · Slab · Stem Wall
FacesWest
ExteriorCourtyard · Irrigation System · Lighting · Rain Gutters · Storage

Community & fees

HOA fee$380/mo
Taxes (2024)$13,863/yr
PetsBreed Restrictions, Yes
CommunityNone

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$10,323 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,067
PMI (est., until 20% equity)$561
Property tax — 2024 actual bill$1,155
HOA fee — from the listing$380
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $149,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $149,500
Interest rate6.00%
Loan term

Estimated payment

$10,323/mo

Principal & interest$8,067
PMI (est., until 20% equity)$561
Property taxes (actual bill)$1,155
HOA / condo fee$380
Est. insurance$160

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.

List $1.5M
$1.1MedgeAI estimate $1,259,297 · range $1.2M$1.3M$1.6M

vs edgeAI estimate

+18.7%

$/sqft vs St Petersburg actives

$629 vs $343

Days on market

271 vs 57 typical

Where $629/sqft sits among the 400 St Petersburg actives

139
132
59
28 · this home
11
31
$137–273$273–410$410–546$546–683$683–819$819+

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 Historic Old Northeast

Map of 123 5TH AVENUE N inside its neighborhood boundary

Drive times from this address

Downtown Tampa28 min
Tampa Int’l Airport (TPA)28 min

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

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

Historic Old Northeast — neighborhood snapshot

Population

6,785

Median age

52

Median income

$89,071

Median home value

$707,667

Avg household

2

Households w/ children

502

For the school run

Pinellas County School District

ElementaryNorth Shore Elementary School★★★★★
MiddleJohn Hopkins 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$402K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

228 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 95% above the ST PETERSBURG 33701 median. See the full St Petersburg market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,495,000 $100K
Nov 17, 2025Listed at $1,595,000 · 271 days on market since
2019Built · 5TH AVE TWNHMS

Reality check

What actually sold near 123 5TH AVENUE N

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

103 5TH AVENUE NSold · Jul ’26

$3,900,000

103 5TH AVENUE N · same community

5 bd · 6.5 ba · 6,617 sqft · $589/sqft · 0 DOM

427 11TH AVENUE SSold · Mar ’26

$850,000

427 11TH AVENUE S

4 bd · 3.5 ba · 2,340 sqft · $363/sqft · 0 DOM

1223 5TH STREET SSold · Jul ’26

$1,040,000

1223 5TH STREET S

4 bd · 3.5 ba · 2,334 sqft · $446/sqft · 15 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.

Kemarie Johnson

Your agent

Kemarie Johnson

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 123 5TH AVENUE 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 123 5TH AVENUE N — before you fall in love.

See it in person

Schedule a tour

Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

123 5TH AVENUE N FAQs

What would the monthly payment be for 123 5TH AVENUE N?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,323/mo — principal and interest, the actual property-tax bill, the $380/mo association fee 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.

How much are the HOA fees at 123 5TH AVENUE N?+

The association fee works out to $380 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 123 5TH AVENUE N?+

The most recent tax bill on record (2024) was $13,863. 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 123 5TH AVENUE N?+

The listing reports pets: Breed Restrictions, 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 $1,495,000, this home is listed about 247% above the St Petersburg median of $431,250. The market section on this page shows how the area is trending.

Which schools are assigned to 123 5TH AVENUE N?+

North Shore Elementary School (elementary), John Hopkins Middle School (middle), St. Petersburg High School (high) — 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

$1,495,000 runs 95% above the ST PETERSBURG 33701 median — but at 2,376 sqft it's also nearly twice the size of the typical St Petersburg listing.

02Time on market is leverage

271 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 $1,595,000, now $1,495,000 — a $100K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Alex Plotkin. MLS #TB8446848.

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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123 5TH AVENUE N, ST PETERSBURG, FL — 3 Bed, 3.5 Bath — $1,495,000 | CENTURY 21 Edge