5247 81ST STREET N UNIT 5, ST PETERSBURG, FL, 33709
Active16 days on marketListed Oct 5, 2026MLS #TB8549424
About this home
5247 81ST STREET N UNIT 5
**** GROUND FLOOR**** Bright! Clean! Quiet! Conscientiously maintained 2 bedroom one bath boasting 1,040 square feet, making this unit one of the largest units in 55+ location impressive Paradise Shores. The split bedroom floorplan is separated by the main bath providing plenty of privacy for overnight visitors. Lush carpet. Gas stove boasts a double oven! Furnishings --all, some or none -- are flexible. Please note no pets allowed. A PRICED TO SELL condo in turnkey, move-in condition! Paradise Shores -- a resort-style community-- is known for its pristine grounds and conscientious building maintenance. Not impacted by the 2024 storms, yet close to beaches, walking distance to shopping, hospitals and all amenities. The lush inground pool is not only heated in cool months, but has an active cooling system for warmer months. One utility bill: Electricity only! Monthly fees include water, sewer, natural gas, trash, cable, land lease and internet. Paradise Shores offers a proud list of amenities and activities including shuffleboard, library, billiards, ping pong, card/game room, firepit and clubhouse perfect for parties, Bingo, dinners, dancing, library and activity rooms, shuffleboard and bocce courts, BBQ and picnic areas. Paradise Shores checks all the boxes and offers respected privacy as well. ***Buyer must be willing to execute a Primary Residence Affidavit to use condo as their primary residence, and for the first two years occupying the unit as primary living at least one half of the time.***
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,040
Sqft
0 ac
Lot size
1971
Year built
One
Levels
$89
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.
$1,750 /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
$1,750/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.
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.
vs edgeAI estimate
−5.1%
$/sqft vs PARADISE SHORES
$89 vs $102
Days on market
16 vs 66 typical
Where $89/sqft sits among the 15 homes for sale in PARADISE SHORES
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 Paradise Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Paradise Shores — neighborhood snapshot
Population
352
Median age
63
Median income
$52,552
Median home value
$131,100
Avg household
2
Households w/ children
12%
The numbers that matter
The St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
8 of 15
PARADISE SHORES have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% below the ST PETERSBURG 33709 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 5247 81ST STREET N UNIT 5
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$102,000
5357 81ST STREET N UNIT 18 · same community
2 bd · 2 ba · 1,040 sqft · $98/sqft · 63 DOM
Sold · Jan ’26$110,000
5297 81ST LANE N UNIT 4 · same community
2 bd · 1 ba · 1,010 sqft · $109/sqft · 56 DOM
Sold · Oct ’26$112,000
5216 81ST STREET N UNIT 5 · same community
2 bd · 1 ba · 1,010 sqft · $111/sqft · 154 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5247 81ST STREET N UNIT 5 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5247 81ST STREET N UNIT 5 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5247 81ST STREET N UNIT 5 FAQs
What would the monthly payment be for 5247 81ST STREET N UNIT 5?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,750/mo — principal and interest, the actual property-tax bill, the $753/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 5247 81ST STREET N UNIT 5?+
The association fee works out to $753 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5247 81ST STREET N UNIT 5?+
The most recent tax bill on record (2025) was $1,898. 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 5247 81ST STREET N UNIT 5?+
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 $92,900, this home is listed about 78% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the ST PETERSBURG 33709 market on paper
$92,900 is 48% below the ST PETERSBURG 33709 median of $180,000, and at $89/sqft it sits under the St Petersburg average of $371.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Know the monthly fee
The association fee is $753/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of ALEXIS BOND · Alexis Bond. MLS #TB8549424.
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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