28TH STREET S, ST PETERSBURG, FL, 33712
Active161 days on marketListed Mar 3, 2026MLS #TB8480928
About this home
28TH STREET S
Nestled in one of the most sought-after neighborhoods in St Petersburg! This vacant lot offers an unparalleled opportunity just steps from Central Avenue and with a convenience of an alley access from the property, you're just minutes away from an array of boutique shops, top-rated restaurants - Pete's Bagels, Urban Stillhouse, lively bars, and cultural attractions that define this thriving area. Ideally positioned between the Historic Kenwood District, Grand Central District, and the Arts Warehouse District, this property places you at the center of St. Pete’s most vibrant and rapidly growing neighborhoods. This lot comes with pre-approved construction plans for a charming 3-bedroom, 2-bathroom, 1,200 sq. ft. home with a parking pad—a significant advantage that streamlines the building process. All plans have been paid for and fully approved for permitting, allowing you to start your project immediately. Zoned NTM-1, this property offers flexibility for either a single-family home or multi-family residential units, making it a prime investment opportunity. With new developments continuously transforming the surrounding area, this lot is perfectly positioned for strong future appreciation and growth. Don’t miss your chance to secure a prime piece of land in a high-demand neighborhood—a rare opportunity for homeowners, builders, and investors.
Facts & features
The home at a glance
0.09 ac
Lot size
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.
$1,582 /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
$1,582/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.
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 33712 — neighborhood snapshot
Population
25,871
Median age
38.5
Median income
$57,729
Median home value
$300,600
Avg household
2.53
Households w/ children
2,441
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)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% below the ST PETERSBURG 33712 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 28TH STREET S
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$183,600
3754 18TH TERRACE S
2 bd · 1 ba · 600 sqft · $306/sqft · 0 DOM
Sold · Sep ’25$135,000
2038 16TH STREET S
2 bd · 1 ba · 720 sqft · $188/sqft · 97 DOM
Sold · Nov ’25$165,000
2301 KINGSTON STREET S
1 bd · 1 ba · 728 sqft · $227/sqft · 1 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 28TH STREET S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28TH STREET S — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
28TH STREET S FAQs
What would the monthly payment be for 28TH STREET S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,582/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 28TH STREET S?+
The most recent tax bill on record (2025) was $3,476. 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 $178,900, this home is listed about 59% 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 28TH STREET S?+
Gibbs High School (high), Fairmount Park Elementary School (elementary), John Hopkins 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
01Under the ST PETERSBURG 33712 market on paper
$178,900 is 45% below the ST PETERSBURG 33712 median of $324,899.
02Time on market is leverage
161 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 $179,900, now $178,900 — a $1K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Jac Smith. MLS #TB8480928.
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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