5116 BAY ISLE CIRCLE, CLEARWATER, FL, 33760
Active16 days on marketListed Sep 5, 2026MLS #TB8545682
About this home
5116 BAY ISLE CIRCLE
Introducing our stunning 3 bedroom, 2.5 bathroom townhouse located in the desirable Clearwater, FL. This townhouse boasts a gated community for added security and peace of mind. Enjoy the convenience of a community pool for relaxation and entertainment. The modern kitchen features granite countertops, upgraded 42" cabinets, and stainless steel appliances. The vinyl plank flooring throughout adds a touch of elegance. With a 2 car garage, centralized mail facility, and an upstairs laundry room, this townhouse offers both convenience and functionality. Step outside to the screened and covered lanai for a breath of fresh air. Don't miss out on this opportunity to call this townhouse your new home!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,698
Sqft
0.03 ac
Lot size
2
Garage
2014
Year built
Two
Levels
$2
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.
$181 /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
$181/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 Clearwater actives
$2 vs $224
Days on market
16 vs 53 typical
Where $2/sqft sits among the 400 Clearwater 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 Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33760 — neighborhood snapshot
Population
19,486
Median age
37.3
Median income
$59,489
Median home value
$245,800
Avg household
2.18
Households w/ children
1,551
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clearwater market
$328K → $336K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
249 of 400
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 5116 BAY ISLE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$315,000
5110 BAY ISLE CIRCLE · same community
2 bd · 2.5 ba · 1,698 sqft · $186/sqft · 2 DOM
Sold · Apr ’26$345,000
5128 BAY ISLE CIRCLE · same community
3 bd · 2.5 ba · 1,698 sqft · $203/sqft · 22 DOM
Sold · May ’26$270,000
5152 BAY ISLE CIRCLE · same community
2 bd · 2.5 ba · 1,698 sqft · $159/sqft · 468 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5116 BAY ISLE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5116 BAY ISLE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5116 BAY ISLE CIRCLE FAQs
What would the monthly payment be for 5116 BAY ISLE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/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 5116 BAY ISLE CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 Clearwater?+
At $2,950, this home is listed about 99% below the Clearwater median of $279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5116 BAY ISLE CIRCLE?+
Belcher Elementary School (elementary), Oak Grove Middle School (middle), Pinellas Park High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Quentin McHenry. MLS #TB8545682.
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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