89 28TH STREET S, ST PETERSBURG, FL, 33712
Active11 days on marketListed Aug 5, 2026MLS #TB8535911
About this home
89 28TH STREET S
Virtually Staged. Welcome to this exquisite gated townhome rental in the heart of the vibrant Grand Central neighborhood! This beautiful home offers 3-bedrooms, 3.5-baths with a 2-car garage with private gated access. Inside you will be greeted with 1,950 square feet of meticulously designed space, perfect for those seeking both comfort and style. As you step inside, you'll be greeted by beautiful neutral-toned luxury vinyl plank floors. The flexible first-floor guest bedroom boasts a lavish en suite bath and an impressively large closet, providing a private and comfortable space for guests. The second floor features an open-concept living and dining area with tall ceilings and an abundance of natural light. These spaces extend to a wonderful covered balcony, ideal for enjoying morning coffee or evening sunsets. The luxury vinyl plank flooring continues through these entertaining areas, creating a cohesive and elegant look. The stunning cook's kitchen is a true highlight, featuring beautiful quartz countertops, soft-close cabinetry and drawers, a gas cooktop, stainless steel appliances, a custom herringbone tile backsplash, and a spacious shelved walk-in pantry. It's a perfect setting for preparing gourmet meals and entertaining guests. On the top floor, the grand primary bedroom measures an impressive 19 x 15 ft, offering a serene retreat. The lavish en suite bathroom includes a double raised quartz vanity with two sinks, a large walk-in shower with a frameless door, and a rarely available, huge walk-in closet. The secondary bedroom also features an en suite bath and ample closet space, with an adjacent laundry room equipped with a full-size washer and dryer for added convenience. This energy-efficient smart home is equipped with a tankless water heater and three zones of A/C, all operable from your phone app, ensuring comfort and efficiency year-round. Enjoy the convenience of walkability to Eclectic Central Avenue, with its trendy restaurants, coffee shops, art galleries, breweries, and boutiques. You'll also be in close proximity to Tropicana Field, downtown St. Pete, Gulf Beaches, and I-275.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
1,950
Sqft
0.11 ac
Lot size
2
Garage
2023
Year built
Three Or More
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$193 /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
$193/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
$2 vs $343
Days on market
11 vs 57 typical
Where $2/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 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)
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 99% 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 89 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 · May ’26$429,000
3012 19TH AVENUE S
4 bd · 2 ba · 2,000 sqft · $215/sqft · 85 DOM
Sold · Jan ’26$347,328
1851 13TH STREET S
4 bd · 2.5 ba · 1,900 sqft · $183/sqft · 120 DOM
Sold · Jun ’26$360,000
2101 QUEENSBORO AVENUE S
3 bd · 2 ba · 1,880 sqft · $191/sqft · 195 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 89 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 89 28TH STREET S — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
89 28TH STREET S FAQs
What would the monthly payment be for 89 28TH STREET S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $193/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.
Are pets allowed at 89 28TH STREET 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 $4,500, this home is listed about 99% 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 89 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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Jac Smith. MLS #TB8535911.
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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