4545 20th Avenue NSt Petersburg, FL 33713Sale Price: $485,000

  • Sale Price: $485,000
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$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $485,000Sale Price
  • 4Bedrooms
  • 2Full Bath
  • 1,919Square Feet

Listing Tools

One or more photo(s) has been virtually staged. Welcome home to Harshaw Lakes! This is one of the highest points in Pinellas County, so you'll never need flood insurance. Situated on a massive double lot at .35 acres it is 126' wide by 120' deep. Bring your boat, RV or any other toys! The home features 4 bedrooms and 2 baths with an open living, dining and bonus room in the center, 3 guest bedrooms and a full bath on the east side of the home and a master bedroom with en-suite bath on the west side. Luxury vinyl plank flooring throughout the home makes cleaning a breeze. The outdoor oasis has a caged, heated pool, a paver firepit/seating area and a hammock for relaxing. This home is just waiting for your finishing touches to make it perfect. The property is one of the highest points in Pinellas County and is centrally located 5 minutes to I-275, 10 minutes to DTSP and 15 minutes to the beaches. Seller financing considered with significant down payment. Notes from the sellers: Property has equivalent of 2 oversized lots as most lots in St. Pete are 50ft wide and just over 5000 Sq ft. This lot is 126ft wide and a total of over 15,500 Sq ft with no easements along the entire back and sides of the property allowing for maximum development on the property up to the property line minus any standard building setbacks required. With no easements and property not platted this allows for maximum use of the property and increased valued. Location NO FLOOD ZONE AT THE HIGHEST POINT IN ST PETE OVER 45ft above sea level in a quiet neighborhood where values are increasing quickly. $ per Sq ft has been reduced significantly to overcome any potential challenges where buyer may want to reconfigure layout or update the home further suiting their needs. This pricing adjustment (reduction) does not reflect the fact that there are 2 oversized lots with over 15,500 Sq ft lot size in total. Price per Sq ft in this area with lot size and perfect layout + pool will have comps that will exceed $310-$330 Sq ft min. Priced as-is you will have plenty of equity. At your choice, you can make this property your own, suiting all your family needs. Empty lots alone in this area sell alone for $250k each lot. There are many options to purchase this property at a great price as listed and either keep as is or make improvements to better suit your needs. If you chose to make improvements you will also be improving property value significantly increasing up to the $320 Sq ft ++ value Hope you find this property, along with the additional oversized lot and potential will suit your family needs.

Property Details of 4545 20th Avenue N

Property Details

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Mortgage Calculator


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$
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Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by Mark Baserap of KELLER WILLIAMS GULF BEACHES (727-367-3756)

Listing Sold by KELLER WILLIAMS TAMPA PROP.

Listings courtesy of StellarMLS as distributed by MLS GRID. Based on information submitted to the MLS GRID as of May 28, 2026 9:41 AM EDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. IDX information is provided exclusively for consumers’ personal noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. The use of the MLS GRID Data may be subject to an end user license agreement.

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