2104 4TH STREET S UNIT 3, ST PETERSBURG, FL, 33705
Active29 days on marketListed Sep 22, 2026MLS #TB8550773
About this home
2104 4TH STREET S UNIT 3
New construction townhome for sale in St. Petersburg, FL. Welcome to 2104 4th Street Gardens, in the Old Southeast neighborhood minutes from downtown St. Petersburg and the waterfront. This 2025 built, three story townhome offers 2,280 square feet of living space, three bedrooms, three and a half bathrooms, and a private rooftop terrace of nearly 1,000 square feet with downtown skyline views. Ten foot ceilings throughout, a Euro contemporary kitchen with stone countertops, and a two car garage with 16 foot ceilings set this home apart from typical new construction in Bay Area. Gated community with walkability to Lassing Park Beach. 5 minutes to downtown St. Petersburg restaurants, parks, and the marina district. One of the last new construction opportunities in Old Southeast. Virtual Tour: https://youtu.be/se09iRtzwdk
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,280
Sqft
0.5 ac
Lot size
2
Garage
2025
Year built
Three Or More
Levels
$336
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 and the real association fee — not generic estimates.
$5,630 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$6,331/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−3.1%
$/sqft vs St Petersburg actives
$336 vs $320
Days on market
29 vs 66 typical
Where $336/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 Old Southeast
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Old Southeast — neighborhood snapshot
Population
1,372
Median age
51
Median income
$96,043
Median home value
$399,708
Avg household
2
Households w/ children
70%
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
95.9%
Sale-to-list ratio (12 mo)
232 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 143% above the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 2104 4TH STREET S UNIT 3
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$845,000
2100 4TH STREET S · same community
3 bd · 3.5 ba · 2,280 sqft · $371/sqft · 0 DOM
Sold · Nov ’25$825,000
2120 4TH STREET S · same community
3 bd · 3.5 ba · 2,280 sqft · $362/sqft · 1 DOM
Sold · Nov ’25$840,000
2112 4TH STREET S · same community
3 bd · 3.5 ba · 2,280 sqft · $368/sqft · 0 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 2104 4TH STREET S UNIT 3 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2104 4TH STREET S UNIT 3 — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2104 4TH STREET S UNIT 3 FAQs
What would the monthly payment be for 2104 4TH STREET S UNIT 3?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,630/mo — principal and interest, estimated property taxes, the $369/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 2104 4TH STREET S UNIT 3?+
The association fee works out to $369 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2104 4TH STREET S UNIT 3?+
The most recent tax bill on record (2024) was $0. 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 2104 4TH STREET S UNIT 3?+
The listing reports pets: Number Limit, Size Limit. 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 $765,000, this home is listed about 80% above the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2104 4TH STREET S UNIT 3?+
Campbell Park Elementary School (elementary), John Hopkins Middle School (middle), Lakewood High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SERHANT · Val Garcia. MLS #TB8550773.
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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