
3610 42ND STREET S UNIT C, ST PETERSBURG, FL, 33711
Active11 days on marketListed Sep 30, 2026MLS #TB8553177
About this home
3610 42ND STREET S UNIT C
Discover a different side of St. Petersburg living in Bermuda Bay, a gated waterfront community where your days can begin with a walk along the bay and end with neighbors gathering on the private beach for sunset. This beautifully maintained 2-bedroom, 2.5-bath townhouse combines extensive recent improvements with the relaxed coastal lifestyle that makes this community so special. An added benefit: the unit was not affected by the recent hurricanes. Inside, the two-story floor plan provides comfortable separation between living and sleeping spaces. The main level is bright and inviting, with a spacious living room opening to the enclosed lanai—an ideal bonus space for morning coffee, reading, working from home, or simply relaxing. The kitchen has recently undergone a complete makeover following a first-floor pipe burst, providing the opportunity to refresh and update the space from top to bottom. The result is a beautifully renewed kitchen that gives the main living area a fresh new look and adds even more move-in-ready appeal. A separate dining area connects easily to the kitchen, while a convenient half bath completes the first floor. Upstairs, both generously sized bedrooms feel like private suites, each featuring its own updated en-suite bathroom and walk-in closet. The laundry closet is conveniently positioned between the bedrooms and provides additional storage. Much of the work has already been done for you. Recent improvements include a new roof (2024), HVAC system (2024), sliding patio door (2024), enclosed lanai with new windows and portable A/C (2024), water heater (2023), dishwasher (2023), refrigerator (2023), stair carpeting (2023), newer ceiling fans in the primary bedroom and dining room, plus the recently completed kitchen makeover. And then there’s Bermuda Bay itself. The community’s private beach on Boca Ciega Bay provides a front-row seat to beautiful Florida sunsets and a gathering place for residents. Enjoy two swimming pools, a hot tub, pickleball and tennis courts, shuffleboard, grilling areas, a clubhouse, park, kayak launch and kayak storage. Private access to the Clam Bayou Preserve trail system and Pinellas Trail makes it easy to get outside and explore. An additional outdoor storage closet provides convenient space for bikes and recreational gear. Need room for the toys that come with the Florida lifestyle? Reserved parking for boats, RVs, and trailers may also be available with HOA approval. The location puts even more within easy reach, including St. Pete Beach, Gulfport Beach, Fort De Soto Park, downtown St. Petersburg, restaurants, shopping, and everyday conveniences. Bermuda Bay is also pet-friendly and offers an active social atmosphere with resident events and sunset gatherings. With a newly made-over kitchen, extensive recent improvements, spacious en-suite bedrooms, waterfront amenities, and a private beach just outside your door, this home offers an appealing combination of comfort, convenience, and Florida lifestyle. Schedule your private showing and come experience Bermuda Bay for yourself.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,280
Sqft
0 ac
Lot size
1974
Year built
Two
Levels
$234
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.
$2,398 /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
$2,398/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
+25.7%
$/sqft vs BERMUDA BAY BEACH CONDO
$234 vs $215
Days on market
11 vs 73 typical
Where $234/sqft sits among the 12 homes for sale in BERMUDA BAY BEACH CONDO
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 Bayview
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Bayview — neighborhood snapshot
Population
3,892
Median age
52
Median income
$63,896
Median home value
$241,999
Avg household
2
Households w/ children
389
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)
8 of 12
BERMUDA BAY BEACH CONDO have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 3610 42ND STREET S UNIT C
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$192,500
4120 35TH TERRACE S UNIT A · same community
2 bd · 2.5 ba · 1,280 sqft · $150/sqft · 88 DOM
Sold · Jul ’26$215,000
4105 38TH AVENUE S UNIT 75F · same community
3 bd · 2 ba · 1,375 sqft · $156/sqft · 39 DOM
Sold · Mar ’26$160,000
3585 41ST WAY S UNIT C · same community
2 bd · 2 ba · 1,375 sqft · $116/sqft · 0 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3610 42ND STREET S UNIT C — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3610 42ND STREET S UNIT C — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3610 42ND STREET S UNIT C FAQs
What would the monthly payment be for 3610 42ND STREET S UNIT C?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,398/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 3610 42ND STREET S UNIT C?+
The most recent tax bill on record (2025) was $4,073. 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 3610 42ND STREET S UNIT C?+
The listing reports pets: Number Limit, Size 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 $299,900, this home is listed about 29% below the St Petersburg median of $420,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3610 42ND STREET S UNIT C?+
Gulfport Montessori Elementary School (elementary), Boca Ciega High School (high), Azalea 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 KELLER WILLIAMS GULF BEACHES · Troy Walseth. MLS #TB8553177.
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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