4915 BAY STREET NE UNIT 122, ST PETERSBURG, FL, 33703
Active308 days on marketListed Oct 16, 2025MLS #TB8438505
About this home
4915 BAY STREET NE UNIT 122
Motivated seller offers a ground-floor 2-bed, 2-bath unit. Winston Park Northeast is a popular 55-Plus community due to its close proximity to all shopping, fine dining, downtown St. Pete, Tampa airport and beyond. Shopping is convenient at Northeast Park Center including Publix and Whole Foods. This 2 bed/2 bath ground-floor unit features light and bright ceramic tile throughout. The primary bedroom is very spacious with a large walk-in closet and it overlooks the courtyard/pool area. Enjoy the community amenities and activities at the clubhouse with its heated pool, shuffleboard courts, BBQ grills and well-maintained grounds and courtyard with walking paths nestled amongst mature oaks. The owner states that the windows were replaced about 6 years ago and the A/C unit in 2022. The water heater is new as of October, 2025. The carport is just steps from the entrance and was erected new 3 years ago. A community laundry room and individual storage unit is conveniently located on each floor at the corner of the building. The maintenance fee includes Internet, management, water, sewer, trash and more.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,035
Sqft
3.38 ac
Lot size
1975
Year built
One
Levels
$145
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,133 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,133/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.6%
$/sqft vs WINSTON PARK NORTHEAST
$145 vs $145
Days on market
308 vs 57 typical
Where $145/sqft sits among the 38 homes for sale in WINSTON PARK NORTHEAST
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winston Park Northeast
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Winston Park Northeast — neighborhood snapshot
Population
775
Median age
72
Median income
$31,923
Median home value
$154,600
Avg household
1
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
16 of 38
WINSTON PARK NORTHEAST have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% below the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4915 BAY STREET NE UNIT 122
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$80,000
5095 BAY STREET NE UNIT 310 · same community
2 bd · 2 ba · 1,035 sqft · $77/sqft · 30 DOM
Sold · Dec ’25$120,000
4915 BAY STREET NE UNIT 222 · same community
2 bd · 2 ba · 1,035 sqft · $116/sqft · 47 DOM
Sold · Apr ’26$137,000
4920 LOCUST STREET NE UNIT 203 · same community
2 bd · 2 ba · 1,035 sqft · $132/sqft · 164 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4915 BAY STREET NE UNIT 122 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4915 BAY STREET NE UNIT 122 — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4915 BAY STREET NE UNIT 122 FAQs
What would the monthly payment be for 4915 BAY STREET NE UNIT 122?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,133/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4915 BAY STREET NE UNIT 122?+
The most recent tax bill on record (2024) was $289. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4915 BAY STREET NE UNIT 122?+
The listing reports pets: Cats OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Petersburg?+
At $149,900, this home is listed about 65% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4915 BAY STREET NE UNIT 122?+
North Shore Elementary School (elementary), Northeast High School (high), Meadowlawn Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST PETERSBURG 33703 market on paper
$149,900 is 64% below the ST PETERSBURG 33703 median of $417,000, and at $145/sqft it sits under the St Petersburg average of $377.
02Time on market is leverage
308 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $199,900, now $149,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MELANGE REAL ESTATE INC · Adrian DaSilva. MLS #TB8438505.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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