CENTURY 21 Edge
$299,9002 bd2.5 ba1,280 sqft$234 /sqft≈$2,398 /mo all-in ↓

3610 42ND STREET S UNIT C, ST PETERSBURG, FL, 33711

Active11 days on marketListed Sep 30, 2026MLS #TB8553177

TownhouseBERMUDA BAY BEACH CONDO

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

Pets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Kitchen/Family Room Combo
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ParkingGuest
ExteriorIrrigation System · Rain Gutters · Sidewalk · Sliding Doors · Storage

Community & fees

Taxes (2025)$4,073/yr
PetsNumber Limit, Size Limit, Yes
CommunityBuyer Approval Required · Community Mailbox · Gated Community - No Guard · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

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%

Principal & interest$1,765
FHA mortgage insurance (est.)$133
Property tax — 2025 actual bill$339
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,497Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $10,497
Interest rate6.00%
Loan term

Estimated payment

$2,398/mo

Principal & interest$1,765
FHA mortgage insurance (est.)$133
Property taxes (actual bill)$339
Est. insurance$160

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.

List $300K
$206KedgeAI estimate $238,641 · range $215K–$251K$312K

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

5
0
0
2
3 · this home
2
$150–170$170–191$191–211$211–231$231–252$252+

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

Downtown Tampa≈ 32 min
Tampa Int’l Airport (TPA)≈ 32 min

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

ElementaryGulfport Montessori Elementary School★★★★★
HighBoca Ciega High School★★★★★
MiddleAzalea Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller — 4.4 months of inventoryBuyer’s 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

Sep 30, 2026Listed at $299,900 · 11 days on market since
1974Built · BERMUDA BAY BEACH CONDO

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.

4120 35TH TERRACE S UNIT ASold · Feb ’26

$192,500

4120 35TH TERRACE S UNIT A · same community

2 bd · 2.5 ba · 1,280 sqft · $150/sqft · 88 DOM

4105 38TH AVENUE S UNIT 75FSold · Jul ’26

$215,000

4105 38TH AVENUE S UNIT 75F · same community

3 bd · 2 ba · 1,375 sqft · $156/sqft · 39 DOM

3585 41ST WAY S UNIT CSold · 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.

Pedro Ribeiro Gloria

Your agent

Pedro Ribeiro Gloria

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3610 42ND STREET S UNIT C — start here.

Andrew Acosta

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.

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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