
841 4TH AVENUE N UNIT 38, ST PETERSBURG, FL, 33701
Active219 days on marketListed Jan 7, 2026MLS #TB8461874
Come see it
Upcoming open house
Sun, Aug 16
12:00 AM – 2:00 PM
About this home
841 4TH AVENUE N UNIT 38
Your Downtown St. Pete Retreat. Lock. Leave. Live. Opportunities like this are becoming increasingly rare. Where else can you own an approximately 850-square-foot home in the heart of downtown St. Petersburg for just $175,000? Whether you're searching for the perfect Florida retreat, a weekend escape, a seasonal residence, or simply a place to enjoy everything downtown St. Pete has to offer without the cost and maintenance of a traditional home, this Suncoast Towers residence delivers exceptional value in one of Florida's most vibrant and walkable cities. Leave the lawn mower behind. Forget hurricane yard cleanup. Lock the door, head north for the summer—or spend the weekend at the beach knowing virtually everything is taken care of. Unlike many condominiums, ownership at Suncoast Towers offers remarkably predictable monthly expenses. The cooperative fee includes heating and air conditioning, electricity, water, sewer, trash, internet, cable television, building insurance, exterior maintenance, and reserves. For many owners, that simplicity is one of the community's greatest advantages. Inside, this bright south-facing residence feels surprisingly spacious. Approximately 850 square feet of comfortable living space is filled with natural light from eight large windows overlooking the city. The generous living room easily accommodates both living and dining areas, while the oversized bedroom offers ample space for a queen-size bed and additional furnishings. The Art Deco-inspired bathroom has been thoughtfully refreshed with a resurfaced tub, updated vanity, sleek black Delta fixtures, and a Toto toilet, preserving its original character while adding modern convenience. Step outside and you're only moments from everything that has made downtown St. Petersburg one of America's most desirable places to live. Walk to Mirror Lake Park, the historic Carnegie Library, the World's Largest Shuffleboard Club, neighborhood cafés, breweries, restaurants, galleries, and the energy of Central Avenue. Continue on to Beach Drive, the St. Pete Pier, waterfront parks, museums, theaters, and countless festivals that make downtown come alive throughout the year. The building itself has already completed many of the improvements today's buyers want to see, including a new roof, new Hardie® siding, hurricane-impact windows, refreshed common areas, and completed structural and milestone inspections. Located outside the flood zone, the property also offers added peace of mind. Pet lovers will appreciate one of downtown's most generous pet policies, allowing up to two dogs weighing as much as 100 pounds each—an uncommon benefit in this price range. Suncoast Towers is a welcoming 55+ cooperative community where up to 20% of the residences may be occupied by owners under 55, subject to association availability. Cooperative ownership is cash only, creating a financially stable community with owners who value simplicity, affordability, and low-maintenance living. This home isn't competing with downtown condominiums selling for $400,000, $600,000, or even $1 million. It offers something different. A chance to own your own piece of one of Florida's most exciting downtowns at a price that is becoming increasingly difficult to find. Come experience why so many people visit St. Petersburg—and why you'll have the opportunity to call it your own.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
850
Sqft
0.3 ac
Lot size
1955
Year built
One
Levels
$206
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.
$2,229 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,229/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.
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
−25.8%
$/sqft vs St Petersburg actives
$206 vs $336
Days on market
219 vs 58 typical
Where $206/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 Downtown St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Downtown St Petersburg — neighborhood snapshot
Population
3,169
Median age
60
Median income
$50,655
Median home value
$619,783
Avg household
1
Households w/ children
55%
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
95.8%
Sale-to-list ratio (12 mo)
228 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 77% below the ST PETERSBURG 33701 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 841 4TH AVENUE N UNIT 38
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$216,500
841 4TH AVENUE N UNIT 65 · same community
1 bd · 1 ba · 850 sqft · $255/sqft · 65 DOM
Sold · Jul ’26$124,500
841 4TH AVENUE N UNIT 21 · same community
1 bd · 1 ba · 820 sqft · $152/sqft · 327 DOM
Sold · Jul ’26$165,000
841 4TH AVENUE N UNIT 53 · same community
1 bd · 1 ba · 820 sqft · $201/sqft · 12 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 841 4TH AVENUE N UNIT 38 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 841 4TH AVENUE N UNIT 38 — 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
841 4TH AVENUE N UNIT 38 FAQs
What would the monthly payment be for 841 4TH AVENUE N UNIT 38?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,229/mo — principal and interest, the actual property-tax bill, the $850/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 841 4TH AVENUE N UNIT 38?+
The association fee works out to $850 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 841 4TH AVENUE N UNIT 38?+
The most recent tax bill on record (2024) was $1,334. 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 841 4TH AVENUE N UNIT 38?+
The listing reports pets: Cats OK, Dogs OK, 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 $175,000, this home is listed about 60% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 841 4TH AVENUE N UNIT 38?+
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.
The brief
Four things that matter here
01Under the ST PETERSBURG 33701 market on paper
$175,000 is 77% below the ST PETERSBURG 33701 median of $762,000, and at $206/sqft it sits under the St Petersburg average of $381.
02Know the monthly fee
The association fee is $850/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
219 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $199,000, now $175,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REVERE REALTY LLC · Steven Coderre. MLS #TB8461874.
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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