540 11TH AVENUE N, ST PETERSBURG, FL, 33701
Active26 days on marketListed Jul 13, 2026MLS #A4696808
About this home
540 11TH AVENUE N
In the heart of Historic Uptown, just north of downtown St. Petersburg, this rare three-unit property offers the kind of character, location, and income potential that is increasingly difficult to find. Set on a tropically landscaped lot, the offering includes a standalone 3-bedroom, 1.5-bath residence at 540 11th Avenue N, along with a neighboring duplex at 532 and 534 11th Avenue N. Original wood floors, period doors and hardware, built-ins, covered porch space, and a private courtyard give each residence the warmth and personality that make older St. Petersburg homes so memorable. The front home offers light-filled living and dining spaces, three upstairs bedrooms, a main-level half bath, rear patio access, and a detached one-car garage. Behind it, the duplex provides two additional residences: an upper unit with flexible 2- to 3-bedroom living, updated kitchen and bath finishes, separate living and dining rooms, and in-unit laundry; plus a lower 2-bedroom unit with an enclosed front porch that can serve as a den, office, or quiet extra living space. Recent roof updates add peace of mind, while the existing tenant occupancy creates immediate continuity for the next owner. Whether held as an income-producing asset, reimagined over time, or enjoyed as a distinctive Historic Uptown compound near downtown restaurants, parks, waterfront amenities, and St. Petersburg’s vibrant cultural scene, this is a property with character that cannot be recreated and a location that continues to matter.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
1,152
Sqft
0.11 ac
Lot size
1
Garage
1925
Year built
Two
Levels
$955
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.
$7,857 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$7,857/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.
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
+121.5%
$/sqft vs St Petersburg actives
$955 vs $323
Days on market
26 vs 55 typical
Where $955/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 → $410K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
217 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 47% above the ST PETERSBURG 33701 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 540 11TH 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 · Mar ’26$890,000
927 6TH STREET N · same community
4 bd · 4 ba · 1,904 sqft · $467/sqft · 26 DOM
Sold · Jul ’26$560,000
200 4TH AVENUE S UNIT 410
2 bd · 2 ba · 1,170 sqft · $479/sqft · 7 DOM
Sold · Jan ’26$520,000
100 4TH AVENUE S UNIT 208
2 bd · 2 ba · 1,128 sqft · $461/sqft · 94 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 540 11TH AVENUE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 540 11TH AVENUE N — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
540 11TH AVENUE N FAQs
What would the monthly payment be for 540 11TH AVENUE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,857/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 540 11TH AVENUE N?+
The most recent tax bill on record (2025) was $16,181. 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 $1,100,000, this home is listed about 156% above the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 540 11TH AVENUE N?+
John Hopkins Middle School (middle), St. Petersburg High School (high), 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 PLATINUM REAL ESTATE · Mark Zervos. MLS #A4696808.
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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