5396 4TH STREET N UNIT 101, ST PETERSBURG, FL, 33703
Active21 days on marketListed Sep 30, 2026MLS #TB8552992
About this home
5396 4TH STREET N UNIT 101
Virtually Staged. PERFECT CONDO in Palm Gardens ~ FALL IN LOVE with this RENOVATED 55+ CONDO! Palm Gardens Condos are known for its excellent location. THIS IS THE CUTEST RENOVATED CONDO! LOCATION, LOCATION, LOCATION! YOU will LOVE this low-maintenance, quiet, CHARMING 2 bedroom and 1 bathroom 1ST FLOOR CONDO in the Palm Gardens Condominiums Community. Palm Gardens is a well-maintained community. The VERY LOW CONDO FEE is $350/month and INCLUDES ~ WATER, sewer, trash, and lawn care. ENJOY the BEAUTIFUL RENOVATED interior and be immediately drawn to the CHARM of this home. As you enter through the FRONT DOOR of the home you will LOVE the OPEN FLOOR PLAN. ENJOY the SPACIOUS open living room with sliding doors that open up to the screened-in back patio ~ you will ENJOY entertaining in this home. LOVE the RENOVATED kitchen, which offers wood shaker cabinets, washer and dryer, breakfast bar, floating wood shelves, wood panel accent wall, and it is totally OPEN allowing the chef to be part of the activity! This home is open and inviting! The LIGHT and BRIGHT PATIO is a perfect, peaceful spot to enjoy the courtyard views and is PERFECT for ENTERTAINING! This home offers a spacious primary bedroom. This condo has everything you could ever want ~ NEW AC (2026), Water Heater (2022), interior paint (2026), 1 assigned covered parking spot, PLANTATION SHUTTERS, NEW WINDOWS (2026), NEW vinyl flooring (2026), NEW CEILING PLANKS (2026), front and rear screened-in patios, NEW landscape, and much more! Come enjoy this quaint PEACEFUL condo in Palm Gardens ~ which is one of the BEST locations offering quick access to DOWNTOWN St. Petersburg and Tampa, ALL of the BEACHES, airports, interstates, shopping, and restaurants. YOU will LOVE this MAINTENANCE FREE Community. YOU MUST SEE this little bit of Florida Paradise!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
780
Sqft
0.52 ac
Lot size
1962
Year built
One
Levels
$154
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.
$1,245 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,245/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.
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
+11.5%
$/sqft vs PALM GARDENS CONDO
$154 vs $210
Days on market
21 vs 66 typical
Where $154/sqft sits among the 6 homes for sale in PALM GARDENS CONDO
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 Arcadia Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Arcadia Gardens — neighborhood snapshot
Population
2,180
Median age
46
Median income
$87,238
Median home value
$406,879
Avg household
2
Households w/ children
180
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)
0 of 6
PALM GARDENS CONDO have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 68% below the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 5396 4TH STREET N UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$105,000
721 MICHIGAN COURT UNIT 1 · same community
2 bd · 1 ba · 784 sqft · $134/sqft · 112 DOM
Sold · Aug ’26$118,500
719 MICHIGAN COURT UNIT 3 · same community
2 bd · 1 ba · 784 sqft · $151/sqft · 294 DOM
Sold · Feb ’26$110,000
709 MICHIGAN COURT UNIT 4 · same community
2 bd · 1 ba · 784 sqft · $140/sqft · 290 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5396 4TH STREET N UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5396 4TH STREET N UNIT 101 — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5396 4TH STREET N UNIT 101 FAQs
What would the monthly payment be for 5396 4TH STREET N UNIT 101?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,245/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 5396 4TH STREET N UNIT 101?+
The most recent tax bill on record (2025) was $2,509. 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 5396 4TH STREET N UNIT 101?+
The listing reports pets: Breed Restrictions, 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 $119,900, this home is listed about 72% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5396 4TH STREET N UNIT 101?+
Northeast High School (high), Meadowlawn Middle School (middle), John M. Sexton Elementary School (elementary) — 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 · Tiffany Lettelleir. MLS #TB8552992.
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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