4543 20TH AVENUE N Under contract-accepting backup offers. Charming 3-Bedroom Home in Harshaw Lakes - No HOA & Non-Flood Zone! Nestled in the highly sought-after Harshaw Lakes neighborhood of St. Petersburg, FL, this delightful 3-bedroom, 2-bath home offers the perfect combination of comfort, convenience, and charm. Boasting a prime location without the restrictions of a homeowner’s association, this property provides you with the freedom to make it truly your own. Step inside to discover a well-designed layout featuring spacious bedrooms, updated finishes, and plenty of natural light. The 2020-installed HVAC system ensures year-round comfort and energy efficiency. The functional kitchen includes ample counter space, perfect for meal prep and entertaining. The outdoor space is a true highlight, with a large backyard featuring a powered shed—ideal for a workshop, storage, or a hobby space. The 1-car garage provides additional storage and convenience. Located in a non-flood zone, you can enjoy peace of mind while being just minutes away from St. Petersburg’s vibrant downtown, pristine beaches, and top-rated dining and shopping destinations. Don’t miss your chance to own this gem in Harshaw Lakes! Schedule your private showing today and envision the possibilities of living in this fantastic community.