4500 E BAY DRIVE UNIT 149, CLEARWATER, FL, 33764
Active26 days on marketListed Sep 29, 2026MLS #TB8553303
About this home
4500 E BAY DRIVE UNIT 149
EXCEPTIONAL VALUE AT ONLY $1,750/MONTH! Welcome to this beautifully updated, freshly painted and MOVE-IN READY 2-bedroom, 2-bath ground-floor condo in the desirable Royal Pines community of Clearwater! From the moment you walk in, you’ll appreciate the spacious and inviting open floor plan, abundant natural light and beautiful flooring throughout—NO CARPET! The modern kitchen is truly a highlight, featuring quartz countertops, stylish glass-front cabinetry, designer backsplash, stainless steel appliances and a BRAND-NEW PANTRY offering excellent additional storage. Even better, the home now features the convenience of an IN-UNIT WASHER AND DRYER, plus additional closet and storage space throughout. The spacious living and dining areas flow into the ENCLOSED FLORIDA ROOM/LANAI, creating additional living space perfect for relaxing, entertaining or setting up a home office. Step out back and enjoy a peaceful and private backyard setting—a wonderful bonus for ground-floor living. The primary bedroom offers a large closet and private ensuite bathroom with a modern double-faucet vanity, beautiful tile work and an oversized jetted tub with rain shower. The generously sized second bedroom also provides ample closet space, with a beautifully updated second full bathroom conveniently located nearby. Freshly painted, exceptionally clean and maintained in excellent condition, this home is READY TO MOVE IN! Royal Pines offers great community amenities, including a refreshing COMMUNITY POOL, CLUBHOUSE, FITNESS CENTER and recreation facilities. LOCATION, LOCATION, LOCATION! Enjoy an outstanding Clearwater location convenient to shopping, restaurants, major roadways, St. Petersburg, Tampa and St. Pete–Clearwater International Airport. Best of all, you’re just a short drive from Clearwater Beach and some of Florida’s beautiful Gulf Coast beaches! At only $1,750 month, this property offers an exceptional combination of condition, upgrades, convenience, location and value. GROUND FLOOR • 2 BEDROOMS • 2 FULL BATHROOMS • NO CARPET • MODERN KITCHEN • NEW PANTRY • IN-UNIT WASHER & DRYER • EXTRA STORAGE • ENCLOSED LANAI • PRIVATE BACKYARD SETTING • COMMUNITY POOL • CLUBHOUSE • FITNESS CENTER • PRIME CLEARWATER LOCATION Don’t miss this opportunity! Schedule your private showing today and see everything this beautiful, move-in-ready condo.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0.25 ac
Lot size
1972
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Clearwater actives
$2 vs $243
Days on market
26 vs 61 typical
Where $2/sqft sits among the 400 Clearwater actives
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 Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33764 — neighborhood snapshot
Population
27,365
Median age
50.8
Median income
$64,573
Median home value
$302,500
Avg household
2.15
Households w/ children
2,246
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clearwater market
$328K → $324K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
220 of 400
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the CLEARWATER 33764 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 4500 E BAY DRIVE UNIT 149
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$229,000
2820 S PINES DRIVE UNIT 128
2 bd · 1.5 ba · 1,048 sqft · $219/sqft · 98 DOM
Sold · Aug ’26$235,000
3041 S PINES DRIVE UNIT 52
2 bd · 1.5 ba · 1,048 sqft · $224/sqft · 411 DOM
Sold · May ’26$185,000
2811 S PINES DRIVE UNIT 20
2 bd · 1.5 ba · 1,048 sqft · $177/sqft · 33 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4500 E BAY DRIVE UNIT 149 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4500 E BAY DRIVE UNIT 149 — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4500 E BAY DRIVE UNIT 149 FAQs
What would the monthly payment be for 4500 E BAY DRIVE UNIT 149?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4500 E BAY DRIVE UNIT 149?+
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 Clearwater?+
At $1,750, this home is listed about 99% below the Clearwater median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4500 E BAY DRIVE UNIT 149?+
Belcher Elementary School (elementary), Oak Grove Middle School (middle), Largo High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Pedro Luna, PA. MLS #TB8553303.
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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