5095 BAY STREET NE UNIT 107, ST PETERSBURG, FL, 33703
Active1 days on marketListed Sep 21, 2026MLS #TB8550660
About this home
5095 BAY STREET NE UNIT 107
Welcome home to this beautifully upgraded 55+ condo in a convenient St. Petersburg location, close to Downtown St. Pete, the St. Pete Pier, Vinoy Park, Tropicana Field, and local golf. This home stayed high and dry during recent hurricanes and features hurricane-impact windows and sliding glass door for added peace of mind. Inside, enjoy luxury LVP flooring throughout, quartz countertops in the kitchen and bathrooms, a 2023 HVAC, and 2023 water heater. The spacious living room also features a Murphy bed, making overnight guests comfortable and easy to accommodate. The building offers elevators for easy accessibility, while the community provides plenty of opportunities to stay active and connected with community events, heated pools, a clubhouse, and shuffleboard. Even better, the HOA includes electric, water, sewer, trash, internet, cable, and exterior maintenance, making everyday living simple and low-maintenance. Lifestyle, convenience, and peace of mind!! This one is PRICED TO SELL - come see why this could be the perfect place to enjoy your next chapter in St. Pete!
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
930
Sqft
0 ac
Lot size
1975
Year built
One
Levels
$172
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 — not generic estimates.
$1,386 /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
$1,386/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
+33%
$/sqft vs WINSTON PARK NORTHEAST
$172 vs $142
Days on market
1 vs 57 typical
Where $172/sqft sits among the 41 homes for sale in WINSTON PARK NORTHEAST
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 Winston Park Northeast
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Winston Park Northeast — neighborhood snapshot
Population
775
Median age
72
Median income
$31,923
Median home value
$154,600
Avg household
1
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)
20 of 41
WINSTON PARK NORTHEAST have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 59% below the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 5095 BAY STREET NE UNIT 107
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$116,500
4920 LOCUST STREET NE UNIT 204 · same community
1 bd · 1.5 ba · 930 sqft · $125/sqft · 34 DOM
Sold · Mar ’26$165,000
5095 BAY STREET NE UNIT 205 · same community
1 bd · 1.5 ba · 930 sqft · $177/sqft · 14 DOM
Sold · Aug ’26$94,000
4880 LOCUST STREET NE UNIT 338 · same community
1 bd · 1.5 ba · 930 sqft · $101/sqft · 23 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5095 BAY STREET NE UNIT 107 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5095 BAY STREET NE UNIT 107 — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5095 BAY STREET NE UNIT 107 FAQs
What would the monthly payment be for 5095 BAY STREET NE UNIT 107?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,386/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 5095 BAY STREET NE UNIT 107?+
The most recent tax bill on record (2025) was $2,572. 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 5095 BAY STREET NE UNIT 107?+
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 $159,900, this home is listed about 63% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5095 BAY STREET NE UNIT 107?+
North Shore Elementary School (elementary), Northeast High School (high), Meadowlawn 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 AGILE GROUP REALTY · Precious Plemons. MLS #TB8550660.
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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