Welcome to 3120 20th Ave N, a rare and versatile opportunity in the heart of Central St. Petersburg! This charming property features a 3-bedroom, 1-bathroom main home PLUS a FULLY PERMITTED 1-bedroom, 1-bathroom ATTACHED APARTMENT, making it ideal for house hacking, multi-generational living, or rental income potential. Imagine living in the main residence while leasing the apartment to offset your monthly costs, or earning extra income with both units. The layout provides privacy and convenience for tenants or extended family members. Outside, enjoy a large backyard perfect for gardening, entertaining, or future outdoor enhancements. Located in FEMA Flood Zone X, this home does not require flood insurance, a distinct advantage in this market. Situated near parks, shops, dining, and just minutes from downtown St. Pete, this property offers both practicality and lifestyle appeal. Recent updates include: Newer stainless steel appliances, New attic insulation in 2025, EV plug installed at driveway, Roof 2021, Updated electrical panel, tankless hot-water heater, and cost-saving minisplit AC units. Don’t miss this unique investment-ready home in a highly desirable central location!