184 BANYAN BAY DRIVE, ST PETERSBURG, FL, 33705
Active447 days on marketListed May 20, 2025MLS #TB8384825
About this home
184 BANYAN BAY DRIVE
Beautiful luxury townhome (almost 2200 sqft) in the exclusive, gated, waterfront community of Banyan Bay, a Planned Unit Development, not a Condo. NO FLOODING FROM THE HURRICANES IN ANY OF THE HOMES EVER. THE HOA PROVIDES FLOOD COVERAGE ANYWAY. This 3-bedroom, 3-bath home with an oversized 2-car garage is an end unit backed up to the nature preserve. This amazing home features wood cabinets and stainless appliances, including a duel over range, a split floor plan with 2 bonus rooms, one at the top of the stairs and the other in the primary bedroom suite. 8 ft doors, crown molding, upsale blinds, ceiling fans, 9ft ceilings downstairs, tray and vaulted ceilings upstairs are just a few of the luxury features you will find and appreciate throughout this home. A covered patio and two balconies make it easy to enjoy the Florida outdoors. Windows and doors on three sides of the unit allow for ample natural light and are hurricane-rated, providing quiet security. A pet-friendly community with lots of green space, a heated pool, a fishing pier, and kayak racks. A day-use boat slip is available on sailboat water. Deeded slips may be leased from owners. HOA fees include insurance, reserves, water, trash, cable, internet, landscaping, pool, dock, gate, road, and more. Almost everything but electricity is included. Bike distance to trendy downtown St Pete and the beaches. 25-minute drive to the Tampa or St Pete airports. Minutes by boat take you out of Tampa Bay into the Gulf, over to Tampa, or up the bay to the incredible new St Pete Pier and downtown. Florida living at its best. Priced to sell. Call the listing agent today for a private showing. Equal Opportunity Housing
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,194
Sqft
0.03 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$296
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 and the real association fee — not generic estimates.
$5,198 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,198/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−15.8%
$/sqft vs St Petersburg actives
$296 vs $333
Days on market
447 vs 57 typical
Where $296/sqft sits among the 400 St Petersburg 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 Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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
95.8%
Sale-to-list ratio (12 mo)
225 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 124% above the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 184 BANYAN BAY DRIVE
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$800,000
144 BANYAN BAY DRIVE · same community
3 bd · 2.5 ba · 2,230 sqft · $359/sqft · 170 DOM
Sold · Apr ’26$680,000
7331 DEMENS DRIVE S
3 bd · 2 ba · 2,245 sqft · $303/sqft · 75 DOM
Sold · Dec ’25$755,000
7001 DR MARTIN LUTHER KING JR STREET S
4 bd · 2 ba · 2,115 sqft · $357/sqft · 65 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 184 BANYAN BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 184 BANYAN BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
184 BANYAN BAY DRIVE FAQs
What would the monthly payment be for 184 BANYAN BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,198/mo — principal and interest, the actual property-tax bill, the $1,056/mo association fee 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.
How much are the HOA fees at 184 BANYAN BAY DRIVE?+
The association fee works out to $1,056 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 184 BANYAN BAY DRIVE?+
The most recent tax bill on record (2024) was $2,766. 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 184 BANYAN BAY DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number 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 $650,000, this home is listed about 51% above the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 184 BANYAN BAY DRIVE?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$650,000 runs 124% above the ST PETERSBURG 33705 median — but at 2,194 sqft it's also 63% larger than the typical St Petersburg listing.
02Garden & Park/Greenbelt & Trees/Woods views
The garden and park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,056/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
447 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Bill Newsome, Sr. MLS #TB8384825.
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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