173 38TH AVENUE SE, ST PETERSBURG, FL, 33705
Active19 days on marketListed Oct 2, 2026MLS #TB8553840
About this home
173 38TH AVENUE SE
Income-producing investment opportunity in desirable Coquina Key, just south of Downtown St. Petersburg! This versatile duplex offers the option to rent both units or live in one side while generating rental income from the other. Both units feature 2 bedrooms, 1 bathroom, updated interiors, and their own private laundry room with washer/ dryer & storage area, conveniently located next to the covered front patio. The property also features a NEW ROOF installed in 2026 and a FRESHLY PAINTED EXTERIOR.The WATER HEATERS in both units were replaced in 2021.Each side has individual fenced backyards.The left unit is currently rented with a lease through November 30, 2026, while the right unit is vacant and ready for occupancy. The estimated annual gross income reflects both units rented for $1700 monthly. Whether you’re looking to expand your investment portfolio or live in one unit and rent the other, this property has flexibility and income potential in a convenient St. Petersburg location. Opportunities like this don’t come along often—bring your investment strategy and take advantage of the future rental income, updated condition, and prime Coquina Key location. Schedule your private showing today and see firsthand the potential of this property! All measurements are deemed accurate but must be verified by the buyer or buyer's agent.
Facts & features
The home at a glance
4
Bedrooms
1,560
Sqft
0.16 ac
Lot size
1959
Year built
$269
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.
$3,665 /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
$3,665/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.
$/sqft vs St Petersburg actives
$269 vs $325
Days on market
19 vs 67 typical
Where $269/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 Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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)
230 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 32% 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 173 38TH AVENUE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$470,000
4401 COBIA DRIVE SE
3 bd · 2 ba · 1,569 sqft · $300/sqft · 63 DOM
Sold · Feb ’26$485,000
524 50TH AVENUE S
3 bd · 2 ba · 1,572 sqft · $309/sqft · 24 DOM
Sold · May ’26$275,000
348 LEWIS BOULEVARD SE
4 bd · 2 ba · 1,608 sqft · $171/sqft · 4 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 173 38TH AVENUE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 173 38TH AVENUE SE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
173 38TH AVENUE SE FAQs
What would the monthly payment be for 173 38TH AVENUE SE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,665/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 173 38TH AVENUE SE?+
The most recent tax bill on record (2025) was $5,315. 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 $419,000, this home is priced right at the St Petersburg median.
Which schools are assigned to 173 38TH AVENUE SE?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point 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 LUCAS GROUP REALTY INC · Karen Lucas. MLS #TB8553840.
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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