11428 BAY STREET NE, ST PETERSBURG, FL, 33716
Active36 days on marketListed Sep 15, 2026MLS #TB8547850
About this home
11428 BAY STREET NE
Spacious 2-bedroom, 1.5-bathroom townhome conveniently located in St. Petersburg between 275 and Gandy Boulevard. This two-story home features both spacious bedrooms upstairs, each with large windows that fill the rooms with plenty of natural light. The full bathroom is conveniently located between the bedrooms in a Jack-and-Jill layout and includes a laundry closet for added convenience. A half bathroom is located on the first floor for guests. Enjoy relaxing or entertaining in the large screened-in patio overlooking the backyard. Residents also have access to the community pool and clubhouse. Rent includes water, sewer, and trash, making monthly expenses simple and convenient. Please note that no pets are accepted due to HOA restrictions. This townhome offers comfortable living in a convenient St. Petersburg location with easy access to major roadways, shopping, dining, and surrounding areas.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
990
Sqft
23 ac
Lot size
1979
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.
$174 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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 St Petersburg actives
$2 vs $324
Days on market
36 vs 66 typical
Where $2/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 Windward Pointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Windward Pointe — neighborhood snapshot
Population
463
Median age
37
Median income
$61,341
Median home value
$138,200
Avg household
2
Households w/ children
25%
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
95.9%
Sale-to-list ratio (12 mo)
230 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 99% below the ST PETERSBURG 33716 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 11428 BAY STREET NE
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$139,900
195 114TH AVENUE NE UNIT 195 · same community
2 bd · 1.5 ba · 990 sqft · $141/sqft · 2 DOM
Sold · Dec ’25$100,000
182 114TH TERRACE NE UNIT 182 · same community
2 bd · 1.5 ba · 990 sqft · $101/sqft · 439 DOM
Sold · Dec ’25$139,500
131 114TH TERRACE NE UNIT 131 · same community
2 bd · 1.5 ba · 990 sqft · $141/sqft · 362 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 11428 BAY STREET NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11428 BAY STREET NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11428 BAY STREET NE FAQs
What would the monthly payment be for 11428 BAY STREET NE?+
With 3.5% down on a 30-year FHA loan at 7.5%, 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 11428 BAY STREET NE?+
The listing reports pets: No. 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 $1,695, this home is listed about 100% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11428 BAY STREET NE?+
Sawgrass Lake Elementary School (elementary), Pinellas Park High School (high), FitzGerald Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PRISTINE BAY REAL ESTATE SERVICES · Amanda Aldis. MLS #TB8547850.
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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