4915 BAY STREET NE UNIT 126, ST PETERSBURG, FL, 33703
Active150 days on marketListed Mar 23, 2026MLS #TB8477184
About this home
4915 BAY STREET NE UNIT 126
LOWEST PRICE IN WINSTON PARK FOR 2/2/ WITH DEEDED CARPORT IN FRONT & OWNER WILL PAY $2,000 OF BUYER CLOSING COSTS ON APPROVED, WITH FULLL PRICE, AS IS, FAR BAR CONTRACT! BEAUTIULLY MAINTAINED, UPDATED 55+ CONDO IN MUCH SOUGHT AFTER WINSTON PARK IN THIS NON-FLOODED BUILDING ON THE 1ST FLOOR! NO WATER INTRUSION NOR FLOOD DAMAGE HERE AFTER 2 EXTREME HURRICANES, ONE AFTER ANOTHER DUE TO ELEVATION! PLUS, THE BONUS OF THE COVERED CARPORT DIRECTLY IN FRONT TO ITS NEW BUYER! PRICED APPROXIMATELY $20,000 UNDER THE PINELLAS COUNTY TAX VALUE MEANS YOU IMMEDIATELY PROFIT ON THIS PURCHASE. Winston Park is a 55+ & allows small pets. This lovingly cared for 1,035 SF, 2 Bedroom, 2Bath home is filled in natural light front to back with an open floor plan. The home has an oversized primary suite with a large walk-in closet, a very spacious kitchen with an abundance of storage cabinets, which leads onto a beautiful view from the kitchen and dinette. You will love having meals, enjoy entertaining, praying cards; and, it overlooks your entrance onto the grounds through sliding doors making it perfect for walking the grounds under the beautiful greens with mature oaks to the heated pool, clubhouse with Fitness, library with pool table, or on to make yourself a BBQ on one of the grills, or enjoy shuffleboard with friends on the courts. You will live economically since the HOA covers: Cable TV, high-speed internet, water, sewer, trash, building exterior maintenance & insurance, pest control, and pool & grounds maintenance. There are shared laundry facilities & private storage steps around the corner from this unit. You will want for NOTHING, being close to transportation, the Bike trail in front of your complex and is part of the Cross County Trail, which is also part of the 2700-mile coast-to-coast Trail leading to Titusville on the Atlantic Ocean! Downtown St. Pete offers fine dining, The Museum of Arts & numerous others museums, the Florida Orchestra, Palladium Performing Arts, Mahaffey Theater, The St. Pete Pier & Dolphin Cruises, Pro Baseball Tampa Bay Rays, & Soccer at Tampa Bay Rowdies. You can just walk or bike to Publix, Crunch Fitness, Whole Foods & Fresh Market and the St. Pete Racquetball Club because they are all around the corner! There are nearby golf courses, a newer SPEER YMCA 495-62nd AV NE, and 4 hospitals & healthcare are all close by. The Gulf Beaches & 2 Airports are a 30-minute drive & Interstate Access is 20 max. The seller will convey a notebook with receipts/purchases, permits & Association approvals at closing. Some improvements: JMI Windows 7/6/22; Premium Elastomeric Exterior/Interior Window Storm Door, Retractable Aluminum. Professional Installation of new bifold doors in hallway closets, Delta Satin handles/lock, shower caulk, painting 11/25, Amana split system Condensing Unit along with a Honeywell programmable thermostat, Germicidal UV Light, 3 Ceiling fans, kitchen with Whirlpool 20.6 Side-by-Side Counter-Depth, Monochromatic Stainless Refrigerator, & 3 Harbor Breeze Ceiling Fans. The HOA just completed concrete & top coating on sidewalks in front since the photos were done with no assessment.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,035
Sqft
3.39 ac
Lot size
1975
Year built
One
Levels
$116
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.
$1,670 /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
$1,670/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
−20.6%
$/sqft vs WINSTON PARK NORTHEAST
$116 vs $145
Days on market
150 vs 57 typical
Where $116/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 71% 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 126
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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4915 BAY STREET NE UNIT 126 — 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 126 — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4915 BAY STREET NE UNIT 126 FAQs
What would the monthly payment be for 4915 BAY STREET NE UNIT 126?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,670/mo — principal and interest, the actual property-tax bill, the $655/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 4915 BAY STREET NE UNIT 126?+
The association fee works out to $655 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4915 BAY STREET NE UNIT 126?+
The most recent tax bill on record (2025) was $1,141. 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 126?+
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 $119,997, this home is listed about 72% 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 126?+
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
Five things that matter here
01Under the ST PETERSBURG 33703 market on paper
$119,997 is 71% below the ST PETERSBURG 33703 median of $415,000, and at $116/sqft it sits under the St Petersburg average of $377.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $655/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
150 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $149,780, now $119,997 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Marian Lovern. MLS #TB8477184.
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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