
1040 10TH STREET N, ST PETERSBURG, FL, 33705
Active20 days on marketListed Oct 1, 2026MLS #TB8554241
Come see it
Upcoming open house
Sat, Oct 24
11:00 AM – 2:00 PM
About this home
1040 10TH STREET N
You couldn't ask for much more with this gorgeous two-story Craftsman built in 2016 which offers the rare peace of mind that comes with sitting high and dry in a non-mandatory evacuation area and the coveted X flood designation. Perfectly positioned on a quiet, beautiful tree-lined street, this 4-bedroom, 3-full-bath, 2,272-square-foot home puts you right in the heart of everything St. Pete has going on. Out front, mature landscaping of succulents and palms nestled around curving river rock offers beautiful curb appeal that perfectly complements the Craftsman's architectural style. Out back, an oasis of towering sea grapes, bougainvillea, and palm trees creates a low-maintenance courtyard paradise featuring a limestone terrace that stays cool underfoot even on the hottest days. The main living space is wide open and centered around a fantastic chef's kitchen featuring dark wood cabinetry, gleaming stainless appliances, and a premium 2.5-gallon reverse osmosis water filtration system. Unique geometric pendants hang over the bar seating, and the kitchen features a walk-in pantry worthy of a five-star chef. The living area flows beautifully from the kitchen into a gorgeous separate dining room flooded with natural light. Directly across from the dining area is a highly flexible space currently used as a home office. Complete with an enormous closet, this room easily serves as a main-floor fourth bedroom with a full bath just steps away. Upstairs, you will find two additional sun-drenched bedrooms that share a full bath, alongside the grand primary suite. Conveniently located off the second floor landing is a dedicated laundry room. The primary bedroom features architectural double tray ceilings and a large walk-in closet, while the ensuite bathroom offers a spa-worthy soaking tub, a roomy glass shower enclosure, and a private water closet. On the other side of the private, fully paved tropical courtyard is a detached 2-car garage equipped with a custom storage system, a flake epoxy floor coating, and the home's lightweight, flexible hurricane fabric screens ready for quick deployment. This home is packed with premium upgrades that go far beyond the basics. Both A/C units and all ductwork were replaced in late 2025 with high-end, whisper-quiet Lennox units with a top of the line filtration system including UV blue lights to kill mold and a transferable five-year warranty valued at $3,500 for each unit. Additionally, the rooftop solar panels will be completely paid off at closing, meaning your electric bills will be negligible. The entire exterior was painted in 2025, gutters were installed in 2024, and all smoke detectors were replaced in 2026. A well was also installed in 2022 to supply the automated sprinkler and drip irrigation system, keeping your tropical paradise vibrant without increasing your city water bill. State-of-the-art pest control features the Taexx in-wall system, installed when the house was built, alongside Sentricon termite control, both monitored by Home Team Pest Defense that features a lifetime transferable warranty provided you continue with the service. Power lines are buried. Properties blending this level of modern efficiency, architectural character, and premier urban location rarely last long. It is less than a 3-minute drive into the heart of downtown St. Pete, yet this house sits peacefully in a quiet, residential area. Are you looking for your next chapter? Then this house is just what you are looking for.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,272
Sqft
0.15 ac
Lot size
2
Garage
2016
Year built
Two
Levels
$462
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.
$7,780 /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
$7,780/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+3.9%
$/sqft vs St Petersburg actives
$462 vs $324
Days on market
20 vs 66 typical
Where $462/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 Historic Uptown
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Historic Uptown — neighborhood snapshot
Population
3,698
Median age
36
Median income
$72,026
Median home value
$501,273
Avg household
2
Households w/ children
204
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 233% 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 1040 10TH STREET N
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$1,244,000
2500 4TH AVENUE S
4 bd · 3 ba · 2,442 sqft · $509/sqft · 118 DOM
Sold · Aug ’26$825,000
536 DR. MARTIN LUTHER KING JR STREET S
3 bd · 3.5 ba · 2,499 sqft · $330/sqft · 257 DOM
Sold · Jan ’26$750,000
341 5TH STREET S UNIT 4
3 bd · 2 ba · 2,024 sqft · $371/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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1040 10TH STREET N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1040 10TH STREET N — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1040 10TH STREET N FAQs
What would the monthly payment be for 1040 10TH STREET N?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,780/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 1040 10TH STREET N?+
The most recent tax bill on record (2025) was $7,424. 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 $1,050,000, this home is listed about 148% 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 1040 10TH STREET N?+
St. Petersburg High School (high), John Hopkins Middle School (middle), North Shore 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 CHARLES RUTENBERG REALTY INC · Robb Kusch. MLS #TB8554241.
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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