4995 COBIA DRIVE SE UNIT D, ST PETERSBURG, FL, 33705
Active39 days on marketListed Jul 7, 2026MLS #TB8526567
About this home
4995 COBIA DRIVE SE UNIT D
Virtually Staged. Come live in the peaceful Resort-style gated community of Waterside at Coquina Key. This second-floor 1 bedroom, 1 bath condo has new luxury plank-look vinyl flooring throughout adding a modern feel to the home. The home features a spacious living and dining room combo offering plenty of space to entertain, a large bedroom with a closet, and a full-size bath with updated vanity, linen closet, and a shower/tub combination. Walk out the French doors to your balcony the perfect place to enjoy your morning coffee or afternoon cocktails where you will be treated to a lovely water view of the canal and all the Florida wildlife! NOTE: An additional $59/mo. Resident Benefits Package is required and includes a host of time and money-saving perks, including monthly air filter delivery, concierge utility setup, on-time rent rewards, $1M identity fraud protection, credit building, online maintenance and rent payment portal, one lockout service, and one late-rent pass. Renters Liability Insurance Required. Learn more at the Resident Benefits Package. The community includes 2 pools, a heated spa, tennis courts, a fitness center, and access to the private Yacht Club. Enjoy easy access to the bustling Downtown and waterfront area of St Petersburg with shopping, dining, museums, and its many entertainment venues. Short drive to the famous Fort DeSoto Park and the beautiful sands of St Petersburg Beach. This is Florida living at its best! NOTE: Additional $59/mo. Resident Benefits Package is required and includes a host of time and money-saving perks, including monthly air filter delivery, concierge utility setup, on-time rent rewards, $1M identity fraud protection, credit building, online maintenance and rent payment portal, one lockout service, and one late-rent pass. Renters Liability Insurance Required. Call to learn more about our Resident Benefits Package.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
668
Sqft
0 ac
Lot size
1979
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs WATERSIDE AT COQUINA KEY SOUTH
$3 vs $375
Days on market
39 vs 57 typical
Where $3/sqft sits among the 28 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)
18 of 28
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 99% 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 4995 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4995 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 4995 COBIA DRIVE SE UNIT D — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4995 COBIA DRIVE SE UNIT D FAQs
What would the monthly payment be for 4995 COBIA DRIVE SE UNIT D?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4995 COBIA DRIVE SE UNIT D?+
The listing reports pets: Breed Restrictions, Number Limit, 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 $1,950, this home is listed about 100% 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 4995 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
Three things that matter here
01Under the ST PETERSBURG 33705 market on paper
$1,950 is 99% below the ST PETERSBURG 33705 median of $295,000, and at $3/sqft it sits under the St Petersburg average of $379.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $2,000, now $1,950 — a $50 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EATON REALTY · Daniel Rothrock. MLS #TB8526567.
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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