Cottage / Storybook home in ST PETERSBURG, FL
A Cottage home in ST PETERSBURG, FL, it offers 3 bedrooms and 1 bathroom across 600 square feet. It sits within the greater St. Petersburg, FL area.
| Price | $289,000 |
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| Beds | 3 |
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| Baths | 1 |
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| Sqft | 600 |
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| Architectural style | Cottage / Storybook (44% match) |
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| Address | 3820 40th Avenue N, ST PETERSBURG, FL 33714 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced below comparable homes.
- At $289K, this home is 41% below the $490K median for 69 similar Cottage / Storybook homes in St. Petersburg, FL.
- That works out to $482 per square foot, 30% above the $371 comparable rate.
- New to market (2 days), so expect competition.
| This home | $289,000 |
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| Cottage / Storybook median in St. Petersburg, FL | $489,990 (69 homes) |
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| Price per sq ft | $482 vs. $371 comps median |
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It is well below comparable homes, which can mean condition issues, a smaller lot or living area, a leasehold, or a data quirk. Check the source listing before getting excited. Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $1,909/month with 20% down at a 7.28% 30-year fixed rate. You would need about $81,833 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $1,582/mo |
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| Property tax (new-buyer reassessed rate) | $219/mo |
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| Homeowners insurance | $108/mo |
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| Total monthly | $1,909/mo |
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| Down payment (20%) | $57,800 |
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| Income needed | $81,833/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home A (91 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | A (91/100) |
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| Beats renting in | 77% of modeled paths |
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| Modeled 5-yr equity (median) | $228,442 |
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| Range (10th to 90th pct) | $158,277 to $312,242 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward US where local data is thin.
Local home values
Typical home values in United States have risen about 20% over the past 5 years (+1% in the last year), per the Zillow Home Value Index. This reflects the national market, not this specific home.
View this home on Estately