305 28th St S, Saint Petersburg, FL, 33712
About This Home
**Huge price reduction! Seller is motivated** *** TWO HOMES ON ONE LOT*** Unlock incredible investment potential with this rare 4-bedroom, 2-bathroom cottage-style residence, complete with a fully detached, income-ready 1 bedroom apartment behind! Whether you are looking for a savvy house-hack, a multi-generational living setup, or a high-performing short-term rental, this property is designed to deliver immediate value. The two-story primary home exudes character, featuring elegant arched doorways and original built-in shelving that preserve its unique cottage soul. Enjoy peace of mind with comprehensive updates to the plumbing, electrical, and HVAC systems. Flexible Layout: Two bedrooms and a full bath are located on the main level, with two additional bedrooms and a second full bath upstairs. Step out back to discover the detached 1 bedroom apartment, a stylish garage conversion designed for maximum profitability. This isn't just a guest suite; it is a turnkey rental opportunity featuring: Full Independent Kitchen: Allows for long-term residency or premium short-term rates. This property offers a rare combination of "move-in ready" reliability and aggressive equity-building potential. Live in one and let the ADU pay part of your mortgage, or rent both for a dual-stream income portfolio. Schedule you showing today!
Getting Around
Very Walkable
Very Limited Transit
Very BikeableSchools
Construction
Condition
- Year built: 1942
Materials
- Foundation: Brick/Mortar,Crawlspace
- Roof: Shingle
- Construction materials: Wood Frame,Wood Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Range,Refrigerator
- Laundry features: Inside
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Ceiling Fan(s),Chair Rail,High Ceilings,Open Floorplan,Thermostat
- Flooring: Tile,Vinyl,Hardwood
- Fireplace features: Wood Burning
Heating & Cooling
- Heating features: Central,Electric,Wall Units / Window Unit
- Cooling features: Central Air,Wall/Window Unit(s)
Interior Area
- Total structure area: 2,578
- Total interior livable area: 2,524 sqft
Kitchen
- Level: First
Living Room
- Level: First
Primary Bedroom
- Features: Built-in Closet
- Level: First
Property
Details
- Parcel number: 233116658620050011
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Rear Porch
- Exterior features: Lighting,Private Entrance,Private Yard,Sidewalk
- Fencing: Vinyl
- Has view: Yes
- View description: Garden
Lot
- Lot size: 8,599 sqft
- Lot size dimensions: 60 x 123
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Cold Wave
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pinellas County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,199 | $26,388 |
| Home Insurance * | $159 | $1,908 |
| Property Taxes | $693 | $8,316 |
| Electricity | $254 | $3,048 |
| Total | $3,305 | $39,660 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
No price history available
View on Zillow