5095 BAY STREET NE UNIT 103, ST PETERSBURG, FL, 33703
Active375 days on marketListed Aug 8, 2025MLS #TB8409934
About this home
5095 BAY STREET NE UNIT 103
Discover a blend of comfort, convenience, and peace of mind in this beautifully maintained ground-floor condominium in the desirable Winston Park community. This two-bedroom, two-bath residence has never flooded or sustained hurricane damage, according to the owner, making it a rare find in Florida living. From the moment you step inside, you’ll appreciate the fresh, inviting feel thanks to new interior paint, a new water heater and a newly serviced air-conditioning system. The layout is thoughtfully designed, offering a spacious living area that flows effortlessly into the dining room—ideal for entertaining guests or enjoying quiet evenings at home. The kitchen is a highlight, with an eat-in breakfast nook that overlooks the lush courtyard and sparkling pool. Large sliding glass doors open directly to the manicured green space and pool area, creating a seamless indoor-outdoor connection and allowing natural light to fill the space. The primary suite offers privacy and comfort with its own en-suite bath and generous closet space. The second bedroom is ideal for guests, a home office or hobby space, and enjoys direct hall access to the second full bath. A dedicated covered parking space is included for your convenience, with additional guest parking nearby. Living in Winston Park means enjoying a relaxed, low-maintenance lifestyle with beautifully kept common areas, a large pool for sunny Florida days, and a friendly, welcoming atmosphere. All of this is offered at under $200,000, providing exceptional value in one of St. Petersburg’s sought-after communities. The location couldn’t be better—you’re just minutes from shopping, dining, grocery stores, and everyday conveniences. Downtown St. Pete’s vibrant arts, culture, and waterfront are a short drive away, and nearby parks and recreation offer endless ways to enjoy the Florida sunshine. Whether you’re downsizing, purchasing your first home, or looking for a winter retreat, this Winston Park condominium checks all the boxes. Don’t miss your opportunity to own a ground-floor unit in a prime location, with peace of mind built in.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,035
Sqft
1975
Year built
One
Levels
$135
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.
$1,294 /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
$1,294/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
−10.3%
$/sqft vs WINSTON PARK NORTHEAST
$135 vs $145
Days on market
375 vs 58 typical
Where $135/sqft sits among the 38 homes for sale in WINSTON PARK NORTHEAST
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 Winston Park Northeast
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Winston Park Northeast — neighborhood snapshot
Population
775
Median age
72
Median income
$31,923
Median home value
$154,600
Avg household
1
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)
17 of 38
WINSTON PARK NORTHEAST have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 67% below the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 5095 BAY STREET NE UNIT 103
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$80,000
5095 BAY STREET NE UNIT 310 · same community
2 bd · 2 ba · 1,035 sqft · $77/sqft · 30 DOM
Sold · Dec ’25$120,000
4915 BAY STREET NE UNIT 222 · same community
2 bd · 2 ba · 1,035 sqft · $116/sqft · 47 DOM
Sold · Apr ’26$137,000
4920 LOCUST STREET NE UNIT 203 · same community
2 bd · 2 ba · 1,035 sqft · $132/sqft · 164 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 5095 BAY STREET NE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5095 BAY STREET NE UNIT 103 — 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
5095 BAY STREET NE UNIT 103 FAQs
What would the monthly payment be for 5095 BAY STREET NE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,294/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 5095 BAY STREET NE UNIT 103?+
The most recent tax bill on record (2024) was $2,978. 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 5095 BAY STREET NE UNIT 103?+
The listing reports pets: Cats OK. 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 $139,900, this home is listed about 68% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5095 BAY STREET NE UNIT 103?+
North Shore Elementary School (elementary), Northeast High School (high), Meadowlawn Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST PETERSBURG 33703 market on paper
$139,900 is 67% below the ST PETERSBURG 33703 median of $419,900, and at $135/sqft it sits under the St Petersburg average of $380.
02Time on market is leverage
375 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $174,900, now $139,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INTL REALTY · Tyler Jones. MLS #TB8409934.
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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