3775 40TH LANE S UNIT L, ST PETERSBURG, FL, 33711
Active3 days on marketListed Oct 18, 2026MLS #TB8559103
About this home
3775 40TH LANE S UNIT L
Welcome home to this rarely available 3-bedroom, 2 bath residence in the highly desired, resort-style community of Bermuda Bay. Tucked inside a secure, gated neighborhood along the shimmering shores of Boca Ciega Bay, this beautifully maintained condo offers a warm, inviting, and well-designed traditional floor plan ideal for comfortable Florida living. Step inside to a bright and welcoming living room, filled with natural light and coastal character. The separate dining area provides an intimate space for meals and gatherings, while the kitchen features ample cabinetry, generous counter space, and a practical, functional layout perfect for everyday cooking or entertaining. The spacious primary bedroom offers a peaceful retreat with its own private bath and abundant closet space. Two additional bedrooms provide incredible flexibility—ideal for guests, a home office, or a hobby room. With two full bathrooms, the layout feels comfortable, convenient, and thoughtfully arranged for both privacy and livability. This condo is freshly painted, new floors, updated bathrooms, electrical panel upgraded. Outside, this community truly shines. Bermuda Bay offers two sparkling heated pools, a private sandy beach, tennis and pickleball courts, a clubhouse, lush walking paths, and beautifully maintained tropical landscaping. The gated entrance provides peace of mind while the resort-style amenities create the ultimate coastal haven. Just minutes from St. Pete Beach, Gulfport, downtown St. Petersburg, shops, dining, and entertainment, this condo is perfect as a full-time residence, seasonal escape, or investment opportunity.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,375
Sqft
0 ac
Lot size
1974
Year built
One
Levels
$182
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.
$2,312 /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
$2,312/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.
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.
vs edgeAI estimate
−5.1%
$/sqft vs BERMUDA BAY BEACH CONDO
$182 vs $233
Days on market
3 vs 66 typical
Where $182/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)
7 of 12
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 15% 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 L
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Mar ’26$275,000
3585 41ST WAY S UNIT B · same community
3 bd · 2 ba · 1,375 sqft · $200/sqft · 36 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3775 40TH LANE S UNIT L — 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 L — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3775 40TH LANE S UNIT L FAQs
What would the monthly payment be for 3775 40TH LANE S UNIT L?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,312/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 L?+
The most recent tax bill on record (2024) was $3,895. 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 L?+
The listing reports pets: Number Limit. 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 $250,000, this home is listed about 41% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3775 40TH LANE S UNIT L?+
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 PYRAMID REALTY INC. · Andrea Grutman. MLS #TB8559103.
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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