4910 BAY STREET NE UNIT 105, ST PETERSBURG, FL, 33703
Active275 days on marketListed Nov 18, 2025MLS #TB8449285
About this home
4910 BAY STREET NE UNIT 105
Welcome to maintenance-free Florida living at its finest! This rarely available ground-floor 1-bedroom, 1-bath condo is perfectly situated in the highly desirable 55+ community of Winston Park Northeast. With no stairs or elevators required for entry, this unit offers the ultimate in convenience and accessibility. Step inside to discover a bright and open floor plan that feels much larger than a typical one-bedroom. The spacious living area flows seamlessly into a dedicated dining space, perfect for entertaining. Extending your living space is a lovely Florida room/screened lanai, offering a peaceful spot to enjoy your morning coffee or an evening read while overlooking the meticulously landscaped courtyard and garden areas. The generously sized primary bedroom features ample closet space (often a walk-in), and the bathroom is conveniently located for easy access. You will love having your assigned covered parking space just steps from your front door—no long walks with groceries! Community & Lifestyle: Winston Park is a socially active, meticulously maintained community that feels like a private retreat. Prime Location: Location is everything! You are just minutes away from the vibrant Northeast Park Shopping Center. Golfers will appreciate being next door to Mangrove Bay and Cypress Links Golf Courses. Plus, you are only a short drive from the museums, pier, and history of Downtown St. Petersburg and the sparkling waterfront parks. Don't miss this opportunity to own an affordable slice of paradise in one of St. Pete’s favorite neighborhoods. Schedule your showing today!
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
920
Sqft
0 ac
Lot size
1980
Year built
One
Levels
$109
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 and the real association fee — not generic estimates.
$1,339 /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
$1,339/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
−23.1%
$/sqft vs WINSTON PARK NORTHEAST
$109 vs $145
Days on market
275 vs 57 typical
Where $109/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 76% 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 4910 BAY STREET NE UNIT 105
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$190,000
4705 1ST STREET NE UNIT 326 · same community
1 bd · 1.5 ba · 925 sqft · $205/sqft · 71 DOM
Sold · Apr ’26$116,500
4920 LOCUST STREET NE UNIT 204 · same community
1 bd · 1.5 ba · 930 sqft · $125/sqft · 34 DOM
Sold · Mar ’26$165,000
5095 BAY STREET NE UNIT 205 · same community
1 bd · 1.5 ba · 930 sqft · $177/sqft · 14 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4910 BAY STREET NE UNIT 105 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4910 BAY STREET NE UNIT 105 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4910 BAY STREET NE UNIT 105 FAQs
What would the monthly payment be for 4910 BAY STREET NE UNIT 105?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,339/mo — principal and interest, the actual property-tax bill, the $514/mo association fee 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.
How much are the HOA fees at 4910 BAY STREET NE UNIT 105?+
The association fee works out to $514 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4910 BAY STREET NE UNIT 105?+
The most recent tax bill on record (2024) was $398. 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 4910 BAY STREET NE UNIT 105?+
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 $99,900, this home is listed about 77% 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 4910 BAY STREET NE UNIT 105?+
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
Four things that matter here
01Under the ST PETERSBURG 33703 market on paper
$99,900 is 76% below the ST PETERSBURG 33703 median of $415,000, and at $109/sqft it sits under the St Petersburg average of $377.
02Know the monthly fee
The association fee is $514/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
275 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $169,900, now $99,900 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SUBURBAN TAMPA · Tony Baroni. MLS #TB8449285.
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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