At the turn of the 20th century, Frankston saw significant civic and healthcare advancements. In 1900, Dr. Sidney Plowman, a British doctor and former Director of the Melbourne Pharmacy School, opened Frankston’s first hospital from his residence, The Lofts, at 20 Davey Street in the CBD. Designed as a Queen Anne-style California bungalow by Blackett & Rankin Architects and built from locally made bricks, The Lofts operated as a private day surgery and hospital until Dr. Plowman’s death in 1937. The building is now listed on the Victorian and Australian heritage registers through the National Trust of Australia and has been incorporated into Frankston’s Australian Government Building, housing the Australian Electoral Commission offices and the local parliamentary member for the Division of Dunkley.

Land that was previously proposed for a metropolitan cemetery in 1909 was converted into a pine forest plantation under the Victorian State Forestry Commission. After a devastating fire on 2 January 1955 destroyed most of the plantation, the state Housing Commission developed the Pine Forest housing estate in 1958, now known locally as "The Pines," forming the modern suburb of Frankston North.

Civic services expanded with the opening of Frankston’s first Commonwealth Postal Service office on 12 September 1910 at the southeast corner of Davey Street and Main Street (now Nepean Highway). Constructed in an Edwardian brick design by the Victorian Department of Public Works, the post office was later updated with a telephone exchange in 1927 and expanded in 1941. It operated as a post office and telephone exchange until the mid-1980s, after which the building was repurposed as a restaurant and later a nightclub. Its exterior was partly restored to its 1941 design in 2013.

These developments during the early 20th century laid the foundation for Frankston’s transformation from a seaside resort town into a modern urban community, with healthcare, housing, and civic services supporting its growing population and shaping its future growth.