3964 22ND AVENUE N, ST PETERSBURG, FL, 33713
Active205 days on marketListed Jan 29, 2026MLS #TB8470340
About this home
3964 22ND AVENUE N
Centrally located in the desirable Harshaw subdivision of North St Pete, this remodeled block home has 3 bedrooms and 1 bath in the main house plus a Studio room and an In-law Suite for a total of 5 bedrooms and 3 baths. Extra rooms are perfect for a large family, home office, or additional rental income. You will love all the upgrades in this house, including porcelain tile floors throughout, interior and exterior paint, updated bathrooms, wood kitchen cabinets with a granite countertop and glass backsplash, and newer double-pane windows. Whole-house water softener included. The huge screened-in and covered back porch is great for outdoor family fun and relaxation. The house features a shed in the backyard and is accompanied by beautiful landscaping, mature grass, and a sprinkler system. Non-Flood Zone, No HOA, No Deed restrictions. A/C & Roof replaced in 2017, new back porch in 2022. Tremendous parking availability with a new 6-inch thick heavy-duty circular driveway in 2020, and additional parking on the side of the house. The house is located in a prime location, only a few miles away from downtown St Petersburg and the Gulf Beaches. Don't miss the opportunity to call this property home. 3 apartments are currently rented, with 2 more available for higher rental income. Live in the main house and rent out the 4 apartments if you prefer. Rental income pays the mortgage.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,378
Sqft
0.18 ac
Lot size
1959
Year built
One
Levels
$244
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.
$3,786 /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
$3,786/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.
vs edgeAI estimate
+7%
$/sqft vs St Petersburg actives
$244 vs $347
Days on market
205 vs 57 typical
Where $244/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 Disston Heights
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Disston Heights — neighborhood snapshot
Population
20,983
Median age
46
Median income
$80,773
Median home value
$275,163
Avg household
2
Households w/ children
2,024
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)
216 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 40% 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 3964 22ND AVENUE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$600,000
2098 35TH STREET N · same community
3 bd · 2 ba · 1,980 sqft · $303/sqft · 21 DOM
Sold · Sep ’25$525,000
3873 21ST AVENUE N · same community
3 bd · 3 ba · 1,970 sqft · $266/sqft · 248 DOM
Sold · Apr ’26$597,000
3700 21ST AVENUE N · same community
3 bd · 2 ba · 1,872 sqft · $319/sqft · 59 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3964 22ND AVENUE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3964 22ND AVENUE N — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3964 22ND AVENUE N FAQs
What would the monthly payment be for 3964 22ND AVENUE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,786/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 3964 22ND AVENUE N?+
The most recent tax bill on record (2025) was $3,342. 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 $580,000, this home is listed about 35% 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 3964 22ND AVENUE N?+
Northwest Elementary School (elementary), Tyrone 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
$580,000 runs 40% above the ST PETERSBURG 33713 median — but at 2,378 sqft it's also nearly twice the size of the typical St Petersburg listing.
02Time on market is leverage
205 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Northwest Elementary School, Tyrone Middle School, St. Petersburg High School — Northwest Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of JASON MITCHELL REAL ESTATE FLO · Otniel Gil. MLS #TB8470340.
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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