PRICE REDUCTION!! This one-of-a-kind St. Petersburg property offers a rare combination of flexibility, durability, and income potential—set on a desirable corner lot with cobblestone streets and located high and dry with no flood insurance required. Constructed with full solid block construction, including the second story, the home provides exceptional structural integrity and long-term peace of mind. A standout feature is the fully separate upstairs suite, complete with its own kitchen, dedicated A/C system, and private exterior entrance. This layout is ideal for rental income, multi-generational living, or guest accommodations. The design allows for true separation and privacy, while still offering the flexibility to function as a single-family residence if desired. The upstairs suite offers consistent income potential, with typical rental performance around $2,000/month and the ability to generate higher returns depending on use. The property has also demonstrated strong demand during peak periods due to its elevation and location. The upstairs is now fully accessible, allowing buyers to experience both living spaces and understand the complete functionality of the property. The main level offers a warm and practical layout featuring a full-size wood-burning fireplace, decorative beams, durable tile flooring, and refinished heart of pine flooring in the living area. The upstairs features refinished oak flooring, adding to the home’s character and appeal. There is also designated space available for the installation of a downstairs washer/dryer. Additional highlights include: Corner lot providing added privacy, Cobblestone streets with historic character, High elevation — no flood insurance required, Private courtyard offering a quiet and usable outdoor space, Additional exterior features include a rustic outdoor fireplace serving the downstairs living area and a storage shed designed to complement the home’s architecture, Separate exterior access for upstairs unit, Bluetooth-controlled irrigation system and Solid block construction throughout, including second floor Ideally located near downtown St. Petersburg, the Gulf beaches, and within walking distance to the SunRunner transit line—offering easy access without needing a car. This property is well-suited for buyers seeking a primary residence with added income potential, an investment opportunity, or a flexible dual-living arrangement.