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About this home
540 11th Ave N is a 1925-built home in Avocado Sub, St Petersburg. Inside you'll find 7 bedrooms, 4 bathrooms, and 3,077 square feet of living space. Listed at $1,100,000 (about $357/sqft), 96 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
In the heart of Historic Uptown, just north of downtown St. Petersburg, this rare three-unit property offers the kind of character, location, and income potential that is increasingly difficult to find. Set on a tropically landscaped lot, the offering includes a standalone 3-bedroom, 1.5-bath residence at 540 11th Avenue N, along with a neighboring duplex at 532 and 534 11th Avenue N. Original wood floors, period doors and hardware, built-ins, covered porch space, and a private courtyard give each residence the warmth and personality that make older St. Petersburg homes so memorable. The front home offers light-filled living and dining spaces, three upstairs bedrooms, a main-level half bath, rear patio access, and a detached one-car garage. Behind it, the duplex provides two additional residences: an upper unit with flexible 2- to 3-bedroom living, updated kitchen and bath finishes, separate living and dining rooms, and in-unit laundry; plus a lower 2-bedroom unit with an enclosed front porch that can serve as a den, office, or quiet extra living space. Recent roof updates add peace of mind, while the existing tenant occupancy creates immediate continuity for the next owner. Whether held as an income-producing asset, reimagined over time, or enjoyed as a distinctive Historic Uptown compound near downtown restaurants, parks, waterfront amenities, and St. Petersburg’s vibrant scene, this is a property with character that cannot be recreated and a location that continues to matter.
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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
$1,100,000
$357 per sq ft
Beds and baths
7 beds, 4 baths
Size
3,077 sq ft
Time on market
96 days
Year built
1925
Monthly payment
About $7,635/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $16,181 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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