Historic charm. Income potential. Development potential. Few properties in Historic Kenwood offer all three. Presenting 2800 2nd Avenue N, a classic Craftsman bungalow on a HUGE corner lot, is a rare opportunity to live, invest, develop, and create long-term value from a single address. Whether you're seeking a character-rich primary residence, a multi-generational living arrangement, an income-producing asset, a live-work compound, or a future redevelopment opportunity, this exceptional property offers a level of versatility that is increasingly difficult to find. Adding to the intrigue and rarity is that OWNER FINANCING is available. The home is filled with timeless architectural details, including soaring coffered ceilings, original hardwood flooring, crown molding, oversized baseboards, original built-ins, crystal door hardware, and abundant natural light throughout. The main residence features 2 bedrooms, 2 expansive flex spaces ideal for home offices, dens, studios, or guest accommodations, 1.5 bathrooms, and a dedicated mudroom. An attached 1-bedroom, 1-bath apartment provides exceptional flexibility for rental income, extended family, guests, or a private work-from-home headquarters. Combined, the property offers 3 bedrooms, 2 dens, and 2.5 bathrooms. The kitchen blends charm and functionality with butcher block countertops and a Samsung gas range, while recent improvements include a 2024 Ruud HVAC system, newer water heaters, an updated Eaton electrical panel, two electric meters, and an attached two-car garage. What truly sets this offering apart is the underlying land value and commercial zoning. Buyers may have the opportunity to construct townhomes, multifamily residences, or up to four residential units, subject to buyer verification and municipal approvals. Investors and developers will appreciate the ability to generate income today while preserving future redevelopment potential in one of Tampa Bay's most desirable urban neighborhoods. Located just moments from Grand Central District, downtown St. Petersburg, award-winning restaurants, breweries, galleries, waterfront parks, and entertainment, 2800 2nd Avenue N represents a rare opportunity where historic character, investment flexibility, and future upside align.