2235 20TH ST S, St. Petersburg, FL, 33712 | $364,900

One or more photo(s) has been virtually staged. One or more photos have been virtually staged.
Thoughtfully updated 3-bedroom, 2-bath home offering comfort, peace of mind, and strong value at an accessible St. Petersburg price point. A two-car garage with alley access provides covered parking and valuable storage—an uncommon feature at this price point—while a BRAND-NEW ROOF supports predictable, low-stress homeownership.
The functional split-bedroom floor plan offers 1, 247 square feet of easy, single-level living, ideal for first-time buyers or those looking to downsize without sacrificing space. The updated kitchen features quartz countertops, stainless steel appliances, and a clean, modern design, while both bathrooms have been remodeled for everyday use. Durable laminate flooring throughout supports low-maintenance living.
The fully fenced backyard is well suited for pets, outdoor seating, or future personalization, adding flexibility for a variety of lifestyles.
Located in a NON-FLOOD ZONE with convenient access to downtown St. Petersburg and major roadways, the property offers a practical option for buyers prioritizing condition, layout, and livability. No HOA and move-in-ready condition make ownership straightforward and manageable. Existing furniture may be optional for buyer convenience, offering flexibility for an easy transition.
An excellent opportunity for buyers seeking a solid, updated home with major improvements already completed—a smart alternative to higher-priced areas while maintaining comfort, function, and long-term value.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: In Garage
  • Style: Bungalow
  • Year Built: 1952
  • Garage: 2-car Alley Access, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,247
  • Acreage: 0.14
  • Est. Taxes: $5,802
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Disposal, Dryer, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer
  • MLS#: TB8355828
  • Days on Market: 431 days
  • Website: https://www.raveis.com
    /prop/TB8355828/223520thsts_stpetersburg_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 6/3/2026 10:17:26 AM)
Listing courtesy of CENTURY 21 RE CHAMPIONS   Phone: 727-398-2774

William Raveis Family of Services

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888.699.8876

Contact@raveis.com

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

2235 20TH ST S, St. Petersburg, FL, 33712

$364,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $291,920 $291,920 $291,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.324% 6.524% 5.846%
Monthly Tax Payment $484 $484 $484
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,727 $1,821 $2,405
Total Monthly Payment $2,286 $2,380 $2,964

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.