4780 DOLPHIN CAY LANE S UNIT 109, ST PETERSBURG, FL, 33711
Active136 days on marketListed Apr 6, 2026MLS #TB8493881
About this home
4780 DOLPHIN CAY LANE S UNIT 109
Dolphin Cay is St. Petersburg’s Premier Resort Style Guard-Gated Community. This 1st floor corner residence offers a large living/dining area surrounded by numerous windows and an 8’ sliding door with gorgeous views from the main balcony, and also accessible from the primary bedroom. The two additional balconies are perfect for alfresco dining or simply relaxing outdoors. The kitchen blends functionality and style, is equipped with ample cabinetry, and is complemented by granite counter tops and a counter bar. Its strategic position allows for easy interaction with both the living and dining areas. Your primary suite is all about breathtaking water views with a huge walk-in closet and a spa style bathroom. The 2nd bedroom or office/media room is multi-purposed featuring a Murphy Bed and a Built-In desk. A full size washer & dryer are a bonus. Enjoy an abundance of closets, plus an additional storage closet and a designated parking space. Other amenities: 3 swimming pools, fitness center, 3 lighted tennis courts, kayak storage and trails.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,438
Sqft
1
Garage
1994
Year built
One
Levels
$449
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.
$4,393 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,393/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+19.7%
$/sqft vs St Petersburg actives
$449 vs $344
Days on market
136 vs 57 typical
Where $449/sqft sits among the 400 St Petersburg actives
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 St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33711 — neighborhood snapshot
Population
18,347
Median age
38.5
Median income
$68,295
Median home value
$253,100
Avg household
2.35
Households w/ children
1,371
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)
234 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 115% above the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4780 DOLPHIN CAY LANE S UNIT 109
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,585,000
4780 DOLPHIN CAY LANE S UNIT 404 · same community
4 bd · 3 ba · 2,430 sqft · $652/sqft · 12 DOM
Sold · Oct ’25$260,000
7200 SUNSHINE SKYWAY LANE S UNIT 4B
2 bd · 2 ba · 1,450 sqft · $179/sqft · 130 DOM
Sold · Nov ’25$280,000
7100 SUNSHINE SKYWAY LANE S UNIT 302
2 bd · 2 ba · 1,290 sqft · $217/sqft · 0 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4780 DOLPHIN CAY LANE S UNIT 109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4780 DOLPHIN CAY LANE S UNIT 109 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4780 DOLPHIN CAY LANE S UNIT 109 FAQs
What would the monthly payment be for 4780 DOLPHIN CAY LANE S UNIT 109?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,393/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 4780 DOLPHIN CAY LANE S UNIT 109?+
The most recent tax bill on record (2025) was $6,133. 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 4780 DOLPHIN CAY LANE S UNIT 109?+
The listing reports pets: Yes. 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 $645,000, this home is listed about 50% above the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4780 DOLPHIN CAY LANE S UNIT 109?+
Bay Point Middle School (middle), Gulfport Montessori Elementary School (elementary), Lakewood High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$645,000 runs 115% above the ST PETERSBURG 33711 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
136 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Bonnie Lanners PA. MLS #TB8493881.
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.
Never miss a listing
New St Petersburg homes, in your inbox
Like 4780 DOLPHIN CAY LANE S UNIT 109 but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anthony to ping you on any price or status change →