
3775 40TH LANE S UNIT E, ST PETERSBURG, FL, 33711
Active11 days on marketListed Sep 30, 2026MLS #TB8553179
About this home
3775 40TH LANE S UNIT E
In Bermuda Bay, even one screened lanai is hard to find. This 2-bedroom, 2.5-bath townhouse has two, one on each level, and it has just been completely repainted and cleaned top to bottom, so it is truly move-in ready. Set inside St. Petersburg's gated waterfront community on Boca Ciega Bay, it pairs a private outdoor setup you won't see often here with resort-style amenities and a private beach. Tile flooring runs through the main level, from the entry room at the foot of the stairs, past the kitchen and dining area, to the living room, where sliding glass doors open onto the ground-floor screened lanai. The kitchen features white cabinetry and a pass-through breakfast bar with a marble-look top that keeps whoever is cooking connected to the dining area. A half bath completes this level. Upstairs, two generously sized bedrooms each have their own updated en-suite bath and walk-in closet. The primary suite adds French doors to the second screened lanai and a separate vanity and dressing nook with a mirror and counter space. A laundry closet with extra storage sits between the bedrooms, right where you need it. The two lanais give you two very different ways to be outside. Downstairs, the tiled lanai sits under a warm wood-beam ceiling, opens straight from the living room and has its own screen door to the walkway, ready for plants, a bistro set and long evenings. Upstairs, mornings start by opening the bedroom French doors and carrying your coffee out to a private screened balcony framed by palms and old live oaks. Bermuda Bay is a lifestyle as much as an address. Residents enjoy a private beach on Boca Ciega Bay for sunset gatherings and kayaking, a kayak launch and storage, two pools and a hot tub, pickleball, tennis and racquetball courts, shuffleboard, a park, grilling areas, a clubhouse for social events, and an outdoor storage closet for bikes and gear. Private access connects you to the Clam Bayou Preserve trail system and the Pinellas Trail. The community is pet-friendly, hosts frequent resident events and nightly sunset gatherings, and offers reserved parking for boats, RVs and trailers with HOA approval. Just west of 34th Street South, this St. Petersburg townhouse near Gulfport puts restaurants, shopping and daily conveniences within a mile, with quick access to I-275, the Gulfport waterfront, downtown St. Pete, St. Pete Beach and Fort De Soto Park.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,280
Sqft
0 ac
Lot size
1974
Year built
Two
Levels
$168
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.
$1,857 /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
$1,857/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
−9.9%
$/sqft vs BERMUDA BAY BEACH CONDO
$168 vs $233
Days on market
11 vs 73 typical
Where $168/sqft sits among the 11 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)
7 of 11
BERMUDA BAY BEACH CONDO have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% below the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 3775 40TH LANE S UNIT E
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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3775 40TH LANE S UNIT E — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3775 40TH LANE S UNIT E — 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
3775 40TH LANE S UNIT E FAQs
What would the monthly payment be for 3775 40TH LANE S UNIT E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,857/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 3775 40TH LANE S UNIT E?+
The most recent tax bill on record (2025) was $4,032. 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 3775 40TH LANE S UNIT E?+
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 $215,000, this home is listed about 49% 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 3775 40TH LANE S UNIT E?+
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 #TB8553179.
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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