4754 COBIA DRIVE SE UNIT D, ST PETERSBURG, FL, 33705
Active117 days on marketListed Apr 20, 2026MLS #TB8498525
About this home
4754 COBIA DRIVE SE UNIT D
Enjoy this amazing resort-style gated Community at Waterside at Coquina Key South. This Highly Desirable 2nd floor 1 bedroom, 1 bath condo comes completely furnished. This well maintained home is light and bright with its open floor plan! Tile floor throughout, All-in-one washer/Dryer, ceiling fans in the living room, hurricane screen, AC is 2022, water Heater is 2021, Roof 2023. French door off of the living room opens to a covered balcony overlooking the pond. Enjoy your dinner on your balcony while watching the wildlife play in the pond. You are a short stroll to the yacht club; this amazing gated resort-style community offers two pools, a fitness center, shuffleboard, basketball courts, tennis courts, volleyball, pickleball, a dog park, a fishing pier, and lots of activities, including water aerobics, Yoga, Family Feud night, Trivia night. There are boat slips you can buy or rent separately. Ask for details. You are a short drive to our most beautiful beaches, downtown St Pete, with restaurants, shopping, museums, colleges, and hospitals; Tampa Bay Airport is 30 30-minute drive. Make this condo your little piece of paradise!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
668
Sqft
1979
Year built
One
Levels
$298
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.
$2,527 /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
$2,527/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
+4.6%
$/sqft vs WATERSIDE AT COQUINA KEY SOUTH
$298 vs $375
Days on market
117 vs 57 typical
Where $298/sqft sits among the 27 homes for sale in WATERSIDE AT COQUINA KEY SOUTH
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 Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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)
17 of 27
WATERSIDE AT COQUINA KEY SOUTH have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% below the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4754 COBIA DRIVE SE UNIT D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$220,000
4794 COBIA DRIVE SE UNIT C · same community
1 bd · 1 ba · 665 sqft · $331/sqft · 37 DOM
Sold · May ’26$130,000
4985 COBIA DRIVE SE UNIT A · same community
1 bd · 1 ba · 646 sqft · $201/sqft · 322 DOM
Sold · Aug ’26$199,000
4859 COQUINA KEY DRIVE SE UNIT C · same community
2 bd · 1 ba · 720 sqft · $276/sqft · 263 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4754 COBIA DRIVE SE UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4754 COBIA DRIVE SE UNIT D — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4754 COBIA DRIVE SE UNIT D FAQs
What would the monthly payment be for 4754 COBIA DRIVE SE UNIT D?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,527/mo — principal and interest, the actual property-tax bill, the $792/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 4754 COBIA DRIVE SE UNIT D?+
The association fee works out to $792 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4754 COBIA DRIVE SE UNIT D?+
The most recent tax bill on record (2025) was $3,789. 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 4754 COBIA DRIVE SE UNIT D?+
The listing reports pets: Cats OK, Dogs 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 $199,000, this home is listed about 54% below the St Petersburg median of $431,250. The market section on this page shows how the area is trending.
Which schools are assigned to 4754 COBIA DRIVE SE UNIT D?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point 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 33705 market on paper
$199,000 is 33% below the ST PETERSBURG 33705 median of $296,500, and at $298/sqft it sits under the St Petersburg average of $379.
02Know the monthly fee
The association fee is $792/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
117 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 $220,000, now $199,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Michele Miklinski. MLS #TB8498525.
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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