120 SW MONROE CIRCLE N, St. Petersburg, FL, 33703 | $399,900

Priced Reduced! A 3 Bed, 2 Bath, 2 Car Garage home off 4 St N in St Pete. This home is offered at an affordable price because of the repairs needed. The cost of those repairs have been subtracted from the market value of the property fixed up. If you want to buy a home to live in, this property offers HUGE value. 1) Buy at a low price. 2) Have necessary work done, then YOU decide what else YOU want to have done, if ANYTHING. Ideally located off 4th St N it is close to so many conveniences such as shopping, restaurants, groceries, downtown, medical, transportation and so much more. Well built contruction, this home has withstood the test of time and all kinds of weather since 1965! The house is on a 98x130 foot lot with room for a pool or additions. A split bedroom floor plan maximizes privacy and easy access to all rooms. Tile and bamboo flooring except in 2 bedrooms. An enclosed air conditioned back porch, oversized 2 car garage with the washer/dryer, water heater and utility sink. A newer AC system, and the security system is included. Make an appointment and come see this home!

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 98 x 130
  • Laundry: In Garage
  • Year Built: 1965
  • Garage: 2-car
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,638
  • Acreage: 0.3
  • Lot Size: 98 x 130
  • Est. Taxes: $1,357
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Range Hood, Refrigerator, Washer
  • MLS#: TB8418068
  • Days on Market: 209 days
  • Website: https://www.raveis.com
    /prop/TB8418068/120swmonroecirclen_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 5/25/2026 1:09:14 PM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

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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
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Our Insurance Division:

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120 SW MONROE CIRCLE N, St. Petersburg, FL, 33703

$399,900

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 $319,920 $319,920 $319,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $113 $113 $113
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,970 $2,020 $2,657
Total Monthly Payment $2,158 $2,208 $2,845

* 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.