Sarasota's Premier Homes

5111 28TH AVENUE N

ST PETERSBURG, FL 33710

MLS#: TB8544915

$639,000

Status: Active
Listing number: TB8544915
Listing provided by: KELLER WILLIAMS GULF BEACHES
Listing agent phone: None
Last update: 2 days ago
On site: 5 days ago
Browse Properties
SUMMIT GROVE ADD - Residential

Property

Beds

4

Full Baths

2

1/2 Baths

None

Year Built

1953

Sq.Footage

1,549

Two homes, one large fully fenced property, and plenty of possibilities! This unique offering features two separate 2-bedroom, 1-bath homes, creating an excellent opportunity for investors, multi-generational households, or buyers looking to live in one home while generating rental income from the other. The newer residence, built in 2019, offers a bright, modern feel with high ceilings, an open floor plan, and an abundance of windows that fill the interior with natural light. The spacious layout provides comfortable living with a fresh, contemporary atmosphere. The front home has been completely remodeled, giving the property two updated and functional residences ready for a variety of uses. Live in one and rent the other, create separate living space for extended family, or add both homes to your rental portfolio. Both residences share a large, fully fenced lot, providing plenty of outdoor space and added privacy. The separate homes offer flexibility that's difficult to find in a traditional single-family property. Whether you're searching for an income-producing investment, a home with rental potential, or a creative multi-generational living arrangement, this property opens the door to numerous possibilities.

Features & Amenities

Interior

  • Other Interior Features

    Open Floorplan, Vaulted Ceiling(s), In-Law Floorplan

  • Total Bedrooms

    4

  • Bathrooms

    2

  • Cooling YN

    YES

  • Cooling

    Central Air

  • Fireplace YN

    NO

  • Heating YN

    YES

  • Heating

    Central

  • Pet friendly

    Yes

Exterior

  • Garage

    No

  • Construction Materials

    Frame

  • Other Exterior Features

    Private Entrance, Private Yard

  • Pool

    No

  • Waterfront YN

    NO

Area & Lot

  • Lot Size(acres)

    0.18

  • Lot Size(square feet)

    7,723

  • Property Type

    Residential

  • Property Sub Type

    Single Family Residence

Price

  • Sales Price

    $639,000

  • Tax Amount

    $6,157.36

  • Sq. Footage

    1,549

  • Price/SqFt

    $412

HOA

  • Association

    No

School District

  • Elementary School

    N/A

  • Middle School

    N/A

  • High School

    N/A

Property Features

  • Stories

    1

  • New Construction

    NO

  • Foundation Details

    Slab

  • Ownership

    Fee Simple

  • Senior Community YN

    NO

  • Sewer

    Public Sewer

  • Tax Lot

    13

  • Water Source

    Public

Schedule a Showing

Showing scheduled successfully.

<
>
IN PERSON
VIA CHAT

What is 3 + 4 ?


Change time

Mortgage calculator

Estimate your monthly mortgage payment, including the principal and interest, property taxes, and HOA. Adjust the values to generate a more accurate rate.

Your payment

Principal and Interest:

$

Property taxes:

$

HOA fees:

$

Total loan payment:

$

Total interest amount:

$

Location

County

Pinellas

Elementary School

Middle School

High School

Listing Courtesy of Troy Walseth, KELLER WILLIAMS GULF BEACHES

RealHub Information is provided exclusively for consumers' personal, non-commercial use, and it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. RealHub website owner shall not be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

Agent Michael Graf

Business Coach | Executive Sales Associate | Realtor®

Michael Graf

Call Michael today to schedule a private showing.

(941) 315-6980

michael@thegrafgroupvip.com


* Listings on this website come from the FMLS IDX Compilation and may be held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please click here to review our DMCA policy and learn how to submit a takedown request.© 2024 FMLS.
Two homes, one large fully fenced property, and plenty of possibilities! This unique offering features two separate 2-bedroom, 1-bath homes, creating an excellent opportunity for investors, multi-generational households, or buyers looking to live in one home while generating rental income from the other. The newer residence, built in 2019, offers a bright, modern feel with high ceilings, an open floor plan, and an abundance of windows that fill the interior with natural light. The spacious layout provides comfortable living with a fresh, contemporary atmosphere. The front home has been completely remodeled, giving the property two updated and functional residences ready for a variety of uses. Live in one and rent the other, create separate living space for extended family, or add both homes to your rental portfolio. Both residences share a large, fully fenced lot, providing plenty of outdoor space and added privacy. The separate homes offer flexibility that's difficult to find in a traditional single-family property. Whether you're searching for an income-producing investment, a home with rental potential, or a creative multi-generational living arrangement, this property opens the door to numerous possibilities.

5111 28TH AVENUE N

Message successfully sent.

What would you like to know?

What is 3 + 4 ?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by The Graf Group of Coldwell Banker via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Related Properties

New on site today
Welcome to THE SAGE. Easy stroll to the heart of downtown St. Pete, this unit is situated on the TOP LEVEL northeast section of the building, on the same level as all amenities. The airy appeal of an open plan, with 11' ceilings in the living area and bedroom, encompasses living, dining and kitchen areas with a corner balcony overlooking the city skyline and adjacent to the pool. The kitchen has a breakfast bar counter, stylish glass countertops, stainless steel appliances, and a surprising amount of storage. The spacious bedroom offers a walk-in closet and window with electronic shade. The en-suite bath includes a large soaking tub, spacious glass enclosed shower, contemporary cabinetry and double vanity. A separate den with floor to ceiling custom storage shelves is the perfect work from home space and the guest powder bath and in unit laundry closet are conveniently located in the hallway. The unit is located on the SAME LEVEL as the building's fabulous amenities, including the beautifully landscaped pool with grilling area, club room for entertaining with large screen tv, and fitness center, overlooking the pool, with views of downtown. The Sage has an inviting front entry, set back with a stylish modern fountain and double story entrance with updated contemporary decor. The building includes concierge, on-site manager and maintenance for professional management of the building. The HOA fee of $858.62 covers access to the amenities, water, trash removal, sewer, cable, internet, and onsite management & maintenance. CC tv offers maximum security in the building and garage. The Sage has had no previous significant assessments or any future special assessments pending and has passed all required inspections. With strong financial reserves, the Sage is a sound investment decision for living in the heart of downtown St Pete. The Building has exceptional management and finances - 100% funding the state required structural reserves as listed in the SIRS study, and also 100% funding non- required general reserves as listed in the SIRS. TWO (2) parking spaces PLUS same level climate controlled storage (6'x7') included. HVAC 2007, water heater 2026, brand new automated shades in living room and bedroom.
#TB8545965

ST PETERSBURG

400 4TH AVENUE S 508

1 Beds

1 Baths

1,055 Sq.Ft.

$579,900

MLS#: TB8545965

New on site today
Virtually Staged. Welcome to 2010 Dartmouth Ave, a charming St. Petersburg home offering 3 bedrooms, 2 bathrooms, and a versatile upstairs loft area that can serve as a home office, den, playroom, or additional living space. This well-maintained home has been thoughtfully updated while preserving the character and comfort that make it a great place to call home. Recent improvements include a new dishwasher (2025), microwave (2025), garbage disposal (2023), exterior paint (2023), pest exclusion barrier around the home (2023), and a newly enclosed backyard following Hurricane Milton. The primary bedroom was freshly painted in 2026, and the backyard hose spigot was repaired in 2026. Outdoor living is a true highlight, with a fully enclosed yard and an extensive collection of Florida-friendly and native landscaping. Enjoy a productive backyard garden featuring papaya, mango, key lime, pineapples, and passionfruit, along with expanded Florida-friendly plantings. The alley features a native plant garden, while the front yard includes a Magnolia, Maple, and rubber tree, complemented by sea grape and additional native Florida-friendly plants throughout the berm. With its flexible loft space, numerous recent updates, private yard, and established tropical and native landscaping, 2010 Dartmouth Ave offers a wonderful opportunity to enjoy the St. Petersburg lifestyle in a home that has been lovingly cared for and continually improved.
#TB8548322

ST PETERSBURG

2010 DARTMOUTH AVENUE N

3 Beds

2 Baths

1,592 Sq.Ft.

$689,900

MLS#: TB8548322

New on site 2 days ago
LOCATION, INCOME & OPPORTUNITY—all just minutes from Downtown St. Petersburg! This tastefully updated duplex offers an exceptional opportunity for investors, owner-occupants, or buyers looking to add a well-located income-producing property to their portfolio. Offering 1,566 total heated square feet, each unit features 2 bedrooms and 1 bath, a spacious living area, and an open galley-style kitchen with stylish designer finishes. Both units also have their own private laundry with washer and dryer included, providing the convenience today's tenants expect. The rear unit opens to a screened porch overlooking a HUGE, fully fenced backyard, creating a fantastic private outdoor space with plenty of room to enjoy. The front unit also has its own private fenced yard, giving each residence a sense of separation and privacy. The property is separately metered and offers four dedicated parking spaces, making it especially attractive as a rental investment. And then there's the location! Situated in highly convenient Northeast St. Petersburg, you're just minutes from two Publix locations, Whole Foods Market, Trader Joe's, The Fresh Market, Chick-fil-A, shopping, dining and everyday conveniences—many just a short walk, bike ride or golf-cart ride away. Even better, Downtown St. Petersburg is less than 10 minutes away, putting world-class dining, waterfront parks, museums, galleries, the St. Pete Pier, Vinoy Park, Beach Drive, Tropicana Field and the city's vibrant arts and entertainment scene practically at your doorstep. Sitting on a generous 67' x 127' lot, the property also offers an attractive land component and potential future building opportunity, subject to applicable zoning and development requirements. Whether you're looking to live in one unit and rent the other, lease both units for income, or hold the property as a long-term investment, this is the kind of flexible opportunity that's increasingly difficult to find in such a desirable St. Petersburg location. Two updated units. Separate meters. Private outdoor spaces. Four parking spaces. A large lot. And minutes to Downtown St. Pete. An outstanding opportunity to invest in both real estate and location.
#TB8539628

ST PETERSBURG

230 48TH AVENUE N

4 Beds

2 Baths

1,566 Sq.Ft.

$595,000

MLS#: TB8539628

New on site 3 days ago
Welcome to Waterside at Coquina Key, a waterfront gated community surrounded by the open water views of Tampa Bay. This beautifully updated 2-bedroom, 2.5-bath residence offers 1,250 square feet of stylish, comfortable living with an open concept floor plan that flows seamlessly to an inviting space for everyday living and entertaining. Open the door and let the outside in! the Large patio acts as more living space with beautiful open water views and morning sunrises! The main level was remodeled in 2019 and showcases designer details including wood-plank tile flooring, crown molding, and recessed lighting. At the heart of the home is a beautifully appointed kitchen featuring quartz countertops, a stainless-steel farmhouse sink, glass tile backsplash, and stainless-steel LG appliances. A convenient half bath and full-size washer and dryer complete the first floor. Upstairs, the updates continue with renovations completed in 2026, including new luxury vinyl plank flooring and beautifully refreshed bathrooms. Both bedrooms are conveniently located on the second level along with two full baths, creating a comfortable separation between the living and sleeping spaces. Your new primary suite even has its own private balcony! With thoughtful renovations completed on both levels, this home offers a move-in-ready interior paired with an impressive array of resort-style amenities. Residents enjoy an impressive collection of amenities, including a Yacht Club, boat slips, two swimming pools, fitness center, fishing pier, and scenic waterfront walking trails. Whether you're looking for a full-time residence or a Florida getaway, this updated condo offers the perfect combination of stylish interiors, waterfront surroundings, and resort-style amenities—all just minutes from Downtown St. Petersburg, the beaches and everything the Tampa Bay area has to offer. Coquina key is pet friendly and allows 2 pets.
#TB8547574

ST PETERSBURG

4752 COQUINA KEY DRIVE SE

2 Beds

2 Baths

1,247 Sq.Ft.

$575,000

MLS#: TB8547574

New on site 3 days ago
Some homes check the boxes. This one changes the way you live. 3334 70th Way N is a 4-bedroom, 2-bath pool home where classic Florida character meets smart, modern living. At the center of the home is a newly opened kitchen that completely changes the flow of the space, creating the open-concept layout buyers want and connecting the kitchen, dining, and living areas for effortless everyday living and entertaining. New terrazzo flooring brings even more Florida personality throughout the home. The split-bedroom floor plan creates flexibility and privacy, with two bedrooms and a full bath on each side of the home. And that fourth bedroom? Make it what you need. A private home office, guest room, fitness space, creative studio, or a true fourth bedroom. The space adapts to your life instead of the other way around. Then there’s the backyard. A private tropical setting built around a sparkling PebbleTec pool, expansive paver patio, covered outdoor space, and brick BBQ creates the kind of backyard that makes living in Florida worth it. Morning coffee outside. Friends around the pool. Dinner on the patio. Weekends where staying home is actually the plan. A large powered shed adds valuable storage and functionality without sacrificing your outdoor living space. The upgrades go well beyond what you can see. The home features solar panels, paid-off Tesla battery storage, and an EV charger installed in 2023, along with a 2023 roof, 2023 A/C, updated fencing, and a PVC sewer line. Add parking for up to six vehicles and you have a home that combines personality with serious everyday practicality. And the location puts St. Pete at your fingertips. Tyrone Square and major shopping are just minutes away, the Pinellas Trail is nearby, and you’re approximately 12 minutes from the beach and less than 20 minutes from Downtown St. Pete. Even better, the property is located in a non-flood zone. This isn't a house designed around one way of living. Work from home. Entertain. Host family and friends. Charge the car from the sun. Spend Saturday in the pool or be at the beach in minutes. More space. More flexibility. More Florida.
#TB8547140

ST PETERSBURG

3334 70TH WAY N

4 Beds

2 Baths

1,666 Sq.Ft.

$549,900

MLS#: TB8547140

New on site 3 days ago
Prepare to fall in love with a home unlike anything else you’ll find in St. Petersburg. Nestled in the heart of highly desirable Historic Uptown, this uniquely captivating bungalow with detached MOTHER IN LAW SUITE is overflowing with personality, architectural charm, and unexpected designer details at every turn. Beautifully updated within the past five years while preserving the character that makes historic St. Pete homes so special, this residence is anything but ordinary. From the moment you arrive, the expansive covered front porch sets the tone—inviting you to sit back, relax, and enjoy the charm of one of St. Petersburg’s most beloved historic neighborhoods. Step inside and discover a home where original character meets bold, artistic design. Gorgeous hardwood floors, soaring ceilings, substantial trim work, and thoughtfully curated finishes create warm, dramatic spaces that feel both welcoming and completely unique. Statement walls, distinctive lighting, rich architectural details, and eclectic designer touches give each room its own personality while creating a beautifully cohesive home. This is not a cookie-cutter renovation—you truly will not find another house quite like this in St. Pete. The character continues outdoors, where an oversized, fully fenced backyard approaching a quarter acre creates an incredible private retreat in the middle of the city. Gather with friends around the fire pit, entertain under the Florida sky, enjoy fresh fruit from your very own mango tree, or simply appreciate the rare amount of outdoor space this property provides. There is plenty of room to create additional gardens, entertaining areas, or your own private urban oasis. Adding even more versatility is a 420 sq ft detached studio mother-in-law suite, offering tremendous possibilities for extended family, visiting guests, a private home office, creative studio, or other flexible use. And while there is no traditional garage, there is a huge 3 stall storage garage at the back of the property. And parking certainly isn't an issue—the property offers off-street parking for up to six vehicles, an exceptional find this close to downtown. Historic Uptown offers the perfect combination of neighborhood charm and an urban St. Pete lifestyle, placing you just minutes from Downtown St. Petersburg, the waterfront, restaurants, coffee shops, nightlife, museums, parks, and everything that makes this city so special. For the buyer searching for something with soul, individuality, history, and style, this is the one. From its unforgettable interior design to its sprawling backyard, detached studio, inviting front porch, and incredible location, this home offers an experience that simply cannot be recreated. Unique, artistic, charming, and unmistakably St. Pete—this is more than a bungalow; it's a home with a personality all its own. LISTING PHOTOS ARE A COUPLE YEARS OLD AND HOME IS NOW ONLY PARTIALLY STAGED.
#W7889438

ST PETERSBURG

517 8TH STREET N

4 Beds

3 Baths

1,846 Sq.Ft.

$699,000

MLS#: W7889438

New on site 4 days ago
SOLID-BLOCK NEW CONSTRUCTION HOME! No HOA and NO FLOOD INSURANCE required. This stunning corner-lot, 2,234 square foot home in the desirable CRESMONT neighborhood features 4 spacious bedrooms, 2.5 bathrooms, and an oversized 2-car garage with ALLEY ACCESS. The open-floor plan offers plenty of room for the kitchen, living, and dining areas. The kitchen showcases ALL-WOOD cabinets, QUARTZ countertops, a full STAINLESS STEEL appliance package, and a luxury backsplash. LUXURY VINYL PLANK flooring, oversized baseboards, CEILING FANS, and large windows fill the home with natural light, while 10-FOOT CEILINGS create a grand feel. Upstairs, all bathrooms feature FLOOR-TO-CEILING TILES. The laundry room is upstairs, right where you need it. The PRIMARY SUITE boasts TRAY CEILINGS, a private ROOFTOP BALCONY, a freestanding SOAKER TUB, dual vanity, and a WALK-IN CLOSET. Additional highlights include TWO HVAC UNITS for optimal comfort, a VINYL FENCE enclosing the side yard, and a PAVER DRIVEWAY.
#TB8547588

ST PETERSBURG

5200 7TH AVENUE N

4 Beds

2 Baths

2,234 Sq.Ft.

$659,000

MLS#: TB8547588

Welcome to this beautifully renovated modern bungalow nestled in the charming Ingleside neighborhood of St. Petersburg. NO FLOOD INSURANCE REQUIRED! Located in Flood Zone X and outside designated high-risk flood zones. Originally built in the 1920s and thoughtfully and fully renovated in 2017, this 3 bedroom, 3 bath home combines classic bungalow character with modern updates and an easy, open layout. The oversized front porch welcomes you into a bright living space with beautiful wood flooring throughout. The kitchen is designed for both everyday living and entertaining, featuring soft-close cabinetry, granite countertops, a large center island, and a pantry. Just off the kitchen, the creatively designed butler’s pantry has been transformed into a stylish bar area, perfect for morning coffee, happy hour, or hosting friends. Two bedrooms are located on the main level, including an en-suite bedroom that could serve as a first-floor primary suite, guest room, or private retreat. Upstairs, the spacious primary suite offers an en-suite bathroom and walk-in closet. A versatile loft overlooks the restored staircase and can easily function as a home office, reading nook, workout area, or additional living space. The home includes three full bathrooms, with two featuring large walk-in showers and the third offering a tub/shower combination. The property is offered furnished or unfurnished, providing flexibility for a full-time residence, second home, furnished rental, or investment property, subject to applicable City of St. Petersburg regulations and approvals. Parking is convenient, with space beside the home for two vehicles plus additional street parking. The location is hard to beat. Downtown St. Petersburg is approximately a 10–15-minute bike ride or a quick drive away. Tropicana Field is about 3 minutes away, while nearby attractions include the Salvador Dalí Museum, St. Pete Pier, waterfront parks, restaurants, breweries, shopping, entertainment, and more. The home also offers convenient access to USF St. Petersburg, area hospitals, I-275, Tampa International Airport, and St. Pete-Clearwater International Airport. Furnished or unfurnished, beautifully renovated, and ideally located, this home offers the space and flexibility buyers are looking for, whether you are searching for a primary residence, second home, furnished rental, or investment opportunity.
#O6439529

ST PETERSBURG

1145 HIGHLAND STREET S

3 Beds

3 Baths

1,920 Sq.Ft.

$649,000

MLS#: O6439529

New on site 4 days ago
Welcome to your St. Petersburg SANCTUARY — a beautifully reimagined 3-bedroom, 2-bathroom home tucked in a No Flood Zone X, offering peace of mind along with undeniable style. From the moment you step inside, the fully remodeled designer kitchen commands attention with sleek modern cabinetry, luminous quartz countertops, and stainless-steel appliances — a space that inspires everything from weeknight dinners to weekend entertaining. The primary suite is a true retreat, featuring a spacious layout and a spa-inspired en-suite with a brand-new walk-in shower. New luxury vinyl flooring flows throughout the open-concept living areas, creating a seamless, warm aesthetic that ties every room together. Both bathrooms have been thoughtfully updated with contemporary finishes that reflect the home's overall sense of quality. Step outside into your private backyard oasis — a screened-in pool area made for year-round enjoyment under the Florida sun. A newer HVAC system and new pool equipment mean the hard work is already done. The attached 2-car garage adds everyday convenience to this already complete package. All of this is situated just minutes from St. Pete's world-class beaches, vibrant downtown, premier dining, boutique shopping, and cultural landmarks — the best of the Gulf Coast lifestyle right at your doorstep. This isn't just a home — it's the lifestyle upgrade you've been waiting for. Schedule your private showing today.
#TB8546582

ST PETERSBURG

6743 16TH AVENUE N

3 Beds

2 Baths

1,617 Sq.Ft.

$665,000

MLS#: TB8546582

Welcome to your own slice of Florida living! Tucked away on a quiet cul-de-sac, this beautifully updated single-story pool home combines stylish interiors, a spacious pie-shaped lot, and an incredibly convenient St. Petersburg location. A stately double-door entrance welcomes you into a bright, open interior featuring new glossy tile flooring, updated light fixtures, and an abundance of natural light. At the heart of the home is the renovated 2025 kitchen, designed to make a statement with rich navy cabinetry with dovetail construction, warm wood countertops, a marble tile backsplash, and elegant gold-accent hardware and fixtures. Generous cabinetry, open shelving, a farmhouse-style sink, and breakfast-bar seating add both character and functionality. The living spaces flow effortlessly toward the backyard, creating an ideal setup for everyday living and entertaining. Step outside to a covered patio and screened-in pool, perfect for enjoying Florida's year-round sunshine. Beyond the pool enclosure, the property opens to an oversized, fully fenced backyard situated on a spacious pie-shaped lot—offering plenty of room to play, entertain, garden, or simply enjoy the extra outdoor space. Additional updates and features include a 2025 tankless water heater, SimpliSafe security system, Arlo doorbell camera, hurricane-protection film on most windows and a generous attached 2 car garage. And the location makes it even better. Enjoy easy access to grocery stores, shopping, dining, Interstate 275, and the Sunshine Skyway Bridge, all while being approximately 11 minutes from vibrant Downtown St. Petersburg and 11 minutes from the beach! Book your showing today!
#TB8545320

ST PETERSBURG

2845 59TH CIRCLE S

3 Beds

2 Baths

1,925 Sq.Ft.

$675,000

MLS#: TB8545320

- property

Send a message

Message successfully sent.

Your message

What is 3 + 4 ?

Reason for contacting?

I agree to receive email communication and understand I can unsubscribe at any time.

I agree to be contacted by The Graf Group of Coldwell Banker via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Sign Out

Virtual Assistant

Would you like to take the next step with this property? We can help you schedule a showing or virtual tour, or send you more details.

Yes, I would like more information.

Thank You for Your Reply, One of Our Agents will contact you as soon as possible

No, maybe later.

Thank you, you can always contact me via email, phone number or through the contact form.

Realhub AI

Lucy - Your AI-Powered Realtor

Update Your Temporary Password

Personalize your search

Enter your email and we'll notify you immediately when new listings match what you're looking for.

or enter email address

Already have an account ? Login here

Continue your home search

I agree to receive communications and understand I can unsubscribe at any time.

I agree to be contacted by The Graf Group of Coldwell Banker via call, email, and text for real estate services. To opt out, you can reply 'stop' at any time or reply 'help' for assistance. You can also click the unsubscribe link in the emails. Message and data rates may apply. Message frequency may vary. Privacy Policy

Already have an account ? Login here

We use cookies

We use cookies primarily for analytics to enhance your experience. By accepting, you agree to our use of these cookies. You can manage your preferences or learn more about our cookies policy.

Privacy Policy Terms of Service