
400 CENTRAL AVENUE UNIT 407, ST PETERSBURG, FL, 33701
Active15 days on marketListed Jul 27, 2026MLS #TB8532929
About this home
400 CENTRAL AVENUE UNIT 407
TWO-STORY LUXURY RESIDENCE WITH OVER 6,000 COMBINED SQ FT, DUAL PRIVATE ENTRANCES, 22-FOOT CEILINGS AND ONE OF DOWNTOWN ST. PETE'S LARGEST PRIVATE TERRACES. Introducing THE URBAN PENTHOUSE at 400 Central, a truly one-of-a-kind residence that seamlessly combines the privacy and scale of a custom home with the convenience, security, and lock-and-leave lifestyle of Downtown St. Petersburg's premier luxury condominium. Encompassing 4,399 interior square feet and an additional 1,694-square-feet of private terrace space, this exceptional home offers four bedrooms, four full bathrooms, and a versatile upper-level den ideal for a home office, media room, fitness studio, or guest accommodations. The dramatic great room is anchored by 22-FOOT CEILINGS and walls of floor-to-ceiling glass that flood the home with natural light, while nearly 11-foot ceilings throughout the upper level enhance the open, architectural design. Designed for effortless entertaining, the expansive living and dining areas flow into a chef's kitchen featuring premium JennAir® appliances, sleek European-style cabinetry, an oversized island, and a GAS COOKTOP, a rare offering in downtown condominium living. The luxurious primary suite serves as a private retreat with direct terrace access, a spacious walk-in closet, and a spa-inspired bath complete with a freestanding soaking tub, oversized shower, and designer finishes. The expansive curved PRIVATE TERRACE creates an exceptional outdoor living space for entertaining, dining, or relaxing above the city. DUAL PRIVATE ENTRY provides the rare convenience of accessing your residence directly from the parking level without using an elevator, while nearby stair access to Central Avenue makes daily walks, dining, and errands remarkably convenient. A MULTI-ZONE CLIMATE CONTROL SYSTEM provides independent comfort on each level. Residents enjoy more than 36,000 SQ FT OF RESORT-STYLE AMENITIES, including a tropical pool and spa, fitness and wellness facilities, owners' lounges, outdoor entertaining spaces, and the spectacular 46TH-FLOOR SKY LOUNGE & OBSERVATORY with panoramic views from Tampa Bay to the Gulf of Mexico. Perfectly positioned in the heart of Downtown St. Petersburg, you're just moments from Beach Drive, The St. Pete Pier, waterfront parks, boutique shopping, acclaimed restaurants, museums, Albert Whitted Airport, and the city's vibrant arts and cultural scene, offering an unmatched luxury lifestyle in one of Florida's most sought-after downtown destinations.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
4,399
Sqft
2.3 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$1,100
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.
$28,085 /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
$32,521/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs 400 CENTRAL
$1,100 vs $1,000
Days on market
15 vs 57 typical
Where $1,100/sqft sits among the 29 homes for sale in 400 CENTRAL
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 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 →
ST PETERSBURG 33701 — neighborhood snapshot
Population
18,485
Median age
46.3
Median income
$69,098
Median home value
$590,900
Avg household
1.65
Households w/ children
934
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)
14 of 29
400 CENTRAL have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 528% 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 400 CENTRAL AVENUE UNIT 407
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$3,390,550
400 CENTRAL AVENUE UNIT 307 · same community
4 bd · 4 ba · 4,399 sqft · $771/sqft · 0 DOM
Sold · Feb ’26$3,094,750
400 CENTRAL AVENUE UNIT 2701 · same community
3 bd · 3.5 ba · 2,658 sqft · $1,164/sqft · 0 DOM
Sold · Feb ’26$3,050,000
400 CENTRAL AVENUE UNIT 2507 · same community
3 bd · 3.5 ba · 2,606 sqft · $1,170/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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 400 CENTRAL AVENUE UNIT 407 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 CENTRAL AVENUE UNIT 407 — 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
400 CENTRAL AVENUE UNIT 407 FAQs
What would the monthly payment be for 400 CENTRAL AVENUE UNIT 407?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $28,085/mo — principal and interest, estimated property taxes 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 400 CENTRAL AVENUE UNIT 407?+
The most recent tax bill on record (2026) was $0. 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 400 CENTRAL AVENUE UNIT 407?+
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 $4,838,901, this home is listed about 1012% above the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 400 CENTRAL AVENUE UNIT 407?+
Campbell Park Elementary School (elementary), John Hopkins Middle School (middle), St. Petersburg High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of NORTHSTAR REALTY · Tasha Merkling. MLS #TB8532929.
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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