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$750,000

3219 46TH STREET N, ST PETERSBURG, FL 33713

3D Tour
Active12 days on market

Beds

3

Baths

2

Sq Ft

1,978 sq ft

Year Built

1964

Lot Size

0.21 acres

Garage

0

About This Property

Discover a rare combination of flexible living, thoughtful upgrades, and tropical charm in the heart of Disston Heights! Situated on an approximately 0.2-acre lot, this extensively remodeled property offers 1,978 square feet of combined living space, featuring a 3-bedroom, 2-bathroom main home plus a detached 1-bedroom, 1-bathroom garage apartment built in 2020. Located in desirable Flood Zone X, where flood insurance is generally not required by mortgage lenders, this property offers exceptional advantages for Florida homeowners! With multiple private living arrangements and a spacious 2.5-car garage, the possibilities are exceptional! Inside the concrete-block main residence, an inviting open floor plan blends modern finishes with classic Florida character. Beautiful terrazzo floors complement a remodeled kitchen with granite countertops and updated bathrooms. One of the three bedrooms has been transformed into a versatile studio-style suite with its own private entrance, bathroom, and kitchenette—ideal for extended family, guests, or potential rental use. Notable improvements include hurricane-impact windows, a 2017 roof, energy-efficient mini-split air conditioning, an on-demand water heater, additional attic insulation, and an updated 200-amp electrical panel. Both the home and garage were freshly painted in 2024. A standout feature is the detached 2.5-car garage with a separate apartment above, completed in 2020. This 1-bedroom, 1-bathroom residence offers its own refrigerator, washer/dryer, and private 8-by-8-foot composite deck accessed by composite stairs. Whether used for multigenerational living, guest accommodations, or rental income potential, this independent space adds tremendous versatility. The garage below features air conditioning, hurricane-impact windows and garage door, and a 60-amp subpanel—perfect for a workshop, hobbies, vehicles, or extra storage. Outdoors, escape to your own lush backyard retreat, where pergolas, palms, bamboo, and tropical landscaping create a peaceful setting for entertaining or unwinding. A deep-water well supplies the irrigation system, helping conserve city water. Rear alley access, vinyl fencing and gates, a paver parking area for a boat, camper, recreational equipment, or additional vehicles, and a 100-square-foot aluminum storage shed provide outstanding functionality. A Shark Coating-finished driveway adds a polished touch. Convenient to I-275, downtown St. Petersburg, Gulf beaches, shopping, dining, and Tampa International Airport, this property delivers an ideal combination of accessibility, flexibility, and Florida lifestyle appeal. Whether you're looking for flexible living arrangements, potential supplemental income, or simply more room to live and play, this distinctive Disston Heights property offers a truly uncommon opportunity!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8560524
StatusActive
Year Built1964
Total Rooms6
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesWest
SubdivisionDORIS HEIGHTS
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), Eating Space In Kitchen, Primary Bedroom Main Floor, Split Bedroom
FlooringLuxury Vinyl, Terrazzo
AppliancesBuilt-In Oven, Dishwasher, Dryer, Microwave, Refrigerator, Washer
LaundryInside
CoolingMini-Split Unit(s), Other
HeatingCentral

Exterior & Lot

ExteriorBalcony, Courtyard, Irrigation System, Lighting, Sliding Doors, Storage
FencingFenced
Other StructuresStorage, Workshop
Lot Size0.21 acres (9,008 sq ft)
Lot FeaturesCity Lot, Near Public Transit
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected

Parking

GarageYes

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$750,000
Annual Taxes$2,480 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #103116219420020040

Schools

ElementaryWestgate Elementary-PN
MiddleTyrone Middle-PN
HighSt. Petersburg High-PN

Directions

49th St to 32nd Ave N, East on 32nd Ave N to 46th St, North on 46th St address

Location

3219 46TH STREET N, ST PETERSBURG, FL 33713

Listing Information

OfficeKELLER WILLIAMS ST PETE REALTY
ListedOctober 22, 2026

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Home Price

$750,000

20% ($150,000)
6.75%

Loan Term

Principal & Interest$3,892
Property Tax (est.)$688
Insurance (est.)$150
Total Monthly$4,729
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $750,000 home in ST PETERSBURG.

🏛️

FHA Loan

$26,250 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$37,500 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively 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. Data last updated: November 3, 2026.

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