
3920 5TH AVENUE N, ST PETERSBURG, FL, 33713
Active25 days on marketListed Aug 26, 2026MLS #TB8542707
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Upcoming open house
Sun, Sep 20
2:00 PM – 4:00 PM
About this home
3920 5TH AVENUE N
Extensively updated 2-bedroom, 1-bath St. Petersburg home in Central Oak Park with a bright, open layout, substantial recent improvements, and a private backyard built for Florida living. Inside, the home features a remodeled kitchen, updated flooring, fresh paint and finishes, and a fully renovated bathroom that was rebuilt beyond the cosmetic level. Additional improvements include a new roof in 2025, newer HVAC ductwork, electrical updates, and thoughtful renovation throughout the home. The backyard has been transformed into a true extension of the living space, with a lawn, mature landscaping, paver patio and walkway, tall wood privacy fencing with two gates, and plenty of room for entertaining, pets, gardening, or relaxing outdoors. Located in Flood Zone X with no HOA, the home also offers convenient access to Central Avenue, Downtown St. Petersburg, the Pinellas Trail, Gulf beaches, parks, restaurants, and major commuter routes. A charming 1950s St. Pete home with extensive updates already completed, a private outdoor space, and the character that makes Central Oak Park such a desirable place to live. - New roof in 2025 - Completely renovated bathroom - Remodeled kitchen - Updated flooring, paint, and interior finishes - Electrical improvements - Newer HVAC ductwork - Open, bright interior layout - Large private backyard - Paver patio and walkway - 8-foot-style privacy fencing with two gates - Landscaping and usable lawn space - Flood Zone X - No HOA - Central Oak Park location - Easy access to Central Ave, Downtown St. Pete, Pinellas Trail, beaches, parks, and dining - Substantial renovation already completed without falsely claiming the home is “fully renovated”
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
884
Sqft
0.12 ac
Lot size
1952
Year built
One
Levels
$383
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.
$2,611 /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
$2,611/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.
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
+6.8%
$/sqft vs St Petersburg actives
$383 vs $305
Days on market
25 vs 57 typical
Where $383/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 United Central
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
United Central — neighborhood snapshot
Population
8,420
Median age
45
Median income
$69,173
Median home value
$300,876
Avg household
2
Households w/ children
806
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)
257 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 15% below the ST PETERSBURG 33713 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 3920 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.
Sold · Oct ’25$245,000
4209 THONOTOSASSA ROAD · same community
2 bd · 1 ba · 1,100 sqft · $223/sqft · 22 DOM
Sold · Dec ’25$210,000
1221 30TH STREET S
3 bd · 1 ba · 878 sqft · $239/sqft · 121 DOM
Sold · Sep ’26$269,000
842 43RD STREET S
3 bd · 2 ba · 864 sqft · $311/sqft · 74 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3920 5TH AVENUE N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3920 5TH AVENUE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3920 5TH AVENUE N FAQs
What would the monthly payment be for 3920 5TH AVENUE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,611/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 3920 5TH AVENUE N?+
The most recent tax bill on record (2025) was $3,669. 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 $339,000, this home is listed about 21% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3920 5TH AVENUE N?+
Northwest Elementary School (elementary), St. Petersburg High School (high), Azalea 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 33713 market on paper
$339,000 is 15% below the ST PETERSBURG 33713 median of $399,700.
02Strong assigned schools
Northwest Elementary School, St. Petersburg High School, Azalea Middle School — Northwest Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $349,000, now $339,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Collin Banister. MLS #TB8542707.
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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