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About this home
3427 16th Ave S is a 1926-built home in Ridgewood Terrace, St Petersburg. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,336 square feet of living space. Listed at $319,000 (about $239/sqft), 151 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
Welcome to this beautifully renovated St. Petersburg home offering modern comfort, thoughtful upgrades, and exceptional flexibility. Fully updated in 2025, this move-in-ready residence features an open-concept layout, a designer kitchen with a large island, elegant stone finishes, and a bright, inviting living space perfect for everyday living and entertaining. One of the home’s most unique features is the permitted second-floor living area, offering approximately 800 sq. ft. of additional flexible space with two bedrooms and a full bathroom. This private upper level creates endless possibilities — a guest suite, home office, creative studio, media room, playroom, or private retreat. Due to the distinctive roofline and ceiling design, portions of this level are not included in the official heated living square footage, but provide valuable usable space beyond the main living area. Major upgrades provide peace of mind, including a newer roof (2021), newer A/C system (2021), hurricane shutters (2024), professional fumigation (2026), and a new privacy fence (2026). Step outside to enjoy the fully enclosed backyard oasis featuring a built-in fire pit, creating the perfect setting for relaxing evenings and outdoor gatherings. With approximately 1,952 sq. ft. of total usable space, this turnkey property combines St. Petersburg charm with modern upgrades and the flexibility today’s buyers are looking for.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$319,000
$239 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,336 sq ft
Time on market
151 days
Year built
1926
Monthly payment
About $2,249/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,104 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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