520 40TH AVE S St Petersburg, FL 33705

**This property qualifies for the Gold Star Mortgage Community Lending Program, offering buyers a Conventional Loan with better rates than an FHA loan with as little at 3% down with no buyer-income limitations (for primary residence purchases only).** Presenting the OPPORTUNITY you've been waiting for! This two-story home (a rare find!) is ideally situated within a quiet and cozy neighborhood, yet walkable to good eats and just minutes from downtown St Pete, with a plethora of parks all around! Fresh exterior paint, a large front porch with room for rocking chairs and easy maintenance landscaping all create instant curb appeal. The oversized driveway provides tons of parking and the large lot gives way to all the outdoor play and entertaining space you want (lot is 127' deep!). Alley access into the fully fenced backyard is ideal for parking a boat or other toy, or for adding a garage or ADU in the future. Step inside and onto the parque landing, offering instant character from the moment you enter the home. Natural light basks the open concept first floor where you'll find the living room, dining area and kitchen. The floor plan is ideal for families who need space to spread out, but want to feel close and connected to one another. The kitchen was renovated in 2016 and has nice countertop space and features a generous pantry closet. There's also a nook for a bakers rack or to display your cookbook collection! On the first floor, you'll find the powder room off the kitchen and access into the mudroom. This mudroom is very large and hosts your laundry hookup (full size side-by-side are easily accomodated) while providing tons of indoor storage space and giving access to the side yard. Through the mudroom you access the downstairs bonus room (a previous garage conversion). This room has sliders to the backyard and works well as a workout space, artist's studio or kids play space. Take the staircase to the second floor and enjoy the loft area that also has abundant natural light and serves nicely as a reading room, craft area or play space. The primary bedroom is generously sized and has a large walk-in closet with sitting space. Both guest bedrooms are the same size, however, one of them offers another walk-in closet. The full guest bath upstairs has a shower stall and pedastal sink. You'll also find access to the huge attic that provides a ton of additional storage space. The yard is fully fenced and creates a lot of space for playing or developing into your dream backyard. The large storage shed stays and the kids' playset can stay or go. In addition to the backyard, both sides of the home offer a generous amount of useful space, one working well as a raised garden bed space or dog run and the opposite side has pavers and creates outdoor sitting areas. Solar panels were installed in 2017, keeping utilities low. Roof is 2016, water heater is 2018, Central HVAC is 2016 and downstairs split system AC is 2021. Sellers currently pay $4,300 annually for homeowners insurance and $1,500 annually for flood insurance. Great location, tons of room both inside and out, solar panels in place and plenty of remaining life on all your major systems... what are you waiting for?! Schedule your showing today!