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St. Petersburg, FL Business Licensing & Operations: Pawnbrokers (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Classification
§ 17-135, Category I, item (104) Pawnbrokers
Base fee
$65.00 up to 30 employees, +$12/employee over 30
Definition
lending money secured by personal property delivered to pawnee
Overlap rule
taxed once, not also as secondhand/antique/jeweler/junk dealer
Display duty
receipt shown conspicuously per § 17-130
Annual renewal
due September 30 under § 17-127

Summary

St. Petersburg classifies pawnbroking as its own taxed business category under City Code § 17-135, item (104): 'Lending money on personal property, when such property is delivered to the pawnee as security for the loan.' Like other Category I businesses, pawnbrokers pay by employee count and can't be double-taxed under an overlapping classification such as secondhand sales or jewelers.

(104)Pawnbrokers. Lending money on personal property, when such property is delivered to the pawnee as security for the loan. Tax unless taxed as secondhand sales, antique dealer, jewelers, junk dealer, or merchant.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 54).

Full Breakdown

Item (104) of the § 17-135 tax schedule defines a pawnbroker precisely by the pawn transaction itself, lending money against personal property delivered as security, rather than by the shop's inventory or storefront type. Because pawnshops often also buy and resell unredeemed merchandise, the code heads off overlap by stating a pawnbroker is taxed 'unless taxed as secondhand sales, antique dealer, jewelers, junk dealer, or merchant,' so a single business pays under only one matching classification rather than several. 00 added for each employee beyond 30.

As with any City business, a pawnbroker must hold a current business tax receipt under § 17-124 before conducting business, must display it conspicuously in the shop under § 17-130, and must renew it annually by September 30 under § 17-127, since a receipt expires one year from issuance regardless of when in the year it was purchased. A pawnbroker with more than one City location must obtain a separate receipt for each branch under § 17-124(e), and an agent handling the business on behalf of an out-of-state owner shares responsibility for keeping the tax current under § 17-125.

Violations & Fines

Pawning goods for cash without a City business tax receipt violates § 17-124(f) and § 17-127; the City can impose a 25-percent penalty once 30 days' notice of nonpayment has passed, delinquency penalties of 10 percent for October plus 5 percent per additional month (capped at 25 percent), and, if the receipt stays unpaid past 150 days, civil action for court costs, attorneys' fees, and up to a $250.00 penalty.

Frequently Asked Questions

How does St. Petersburg's code define a pawnbroker?
Item (104) of the § 17-135 tax schedule defines pawnbroking as 'Lending money on personal property, when such property is delivered to the pawnee as security for the loan.' It's the loan-against-collateral transaction, not simply buying and reselling used goods, that triggers this specific classification.
Can a pawnshop be taxed as both a pawnbroker and a secondhand dealer?
No. Item (104) states a pawnbroker is taxed 'unless taxed as secondhand sales, antique dealer, jewelers, junk dealer, or merchant,' meaning the City assigns one matching classification per business rather than stacking multiple category taxes on the same pawnshop location.
Where must a St. Petersburg pawnbroker display its business tax receipt?
Section 17-130 requires every taxed business, including pawnbrokers, to conspicuously display its business tax receipt at its place of business, or, if it has no fixed place of business, to present the receipt for inspection by the Planning and Economic Development Department whenever asked.

Sources & Official References

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