5020 BEACH DRIVE SE UNIT D, ST PETERSBURG, FL, 33705
Active348 days on marketListed Aug 26, 2025MLS #TB8421294
About this home
5020 BEACH DRIVE SE UNIT D
Discover… your own slice of paradise on the bay. This charming 2 bedroom, 1bathroom waterfront condo at Waterside Coquina Key South offers the ultimate resort lifestyle on Coquina Key, the Friendly Island in St. Pete. With 88 acres of tropical waterfront, and 3 miles of scenic seawall walks, this gated community offers everything you could dream of: two glistening pools, one heated, with a rejuvenating hot tub/sauna, as well as unrestricted views of the open waters of Tampa Bay. A clubhouse with a fully stocked bar and weekly club events, dog park, billiard room, tennis, pickleball, volleyball, basketball, and shuffleboard courts. Stay active in the 24/7 fitness center, & enjoy the tranquility of waterfront living with easy access to boating, fishing, and kayaking. Step inside your sunlit retreat and feel instantly at home. Lounge on your private porch—your front-row seat to dolphin, and other marine life sightings, breathtaking sunrises, and tranquil waterscapes. Inside, you'll find comfort and convenience with abundant natural light, HVAC replaced in 2022, a new roof and balcony replaced in 2023, and fresh exterior paint in 2025. Perfectly positioned just minutes from downtown St. Pete, world-class museums, chic restaurants, white sandy beaches, and easy access to Tampa Airport and the Skyway Bridge, this condo offers both peace and possibility—whether you're seeking a year-round residence, a luxury getaway, or a savvy investment (short-term rentals allowed up to three times per year). Don’t miss out on owning your slice of waterfront magic in one of Florida’s most vibrant and amenity-rich communities. Schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
773
Sqft
1979
Year built
One
Levels
$310
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.
$2,026 /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
$2,026/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
−4.3%
$/sqft vs WATERSIDE AT COQUINA KEY SOUTH
$310 vs $383
Days on market
348 vs 55 typical
Where $310/sqft sits among the 26 homes for sale in WATERSIDE AT COQUINA KEY SOUTH
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)
16 of 26
WATERSIDE AT COQUINA KEY SOUTH have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 5020 BEACH DRIVE SE UNIT D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$265,000
5037 STARFISH DRIVE SE UNIT D · same community
2 bd · 1 ba · 773 sqft · $343/sqft · 43 DOM
Sold · May ’26$201,000
4875 COQUINA KEY DRIVE SE UNIT C · same community
2 bd · 1 ba · 774 sqft · $260/sqft · 155 DOM
Sold · May ’26$230,000
5072 STARFISH DRIVE SE UNIT F · same community
1 bd · 1 ba · 823 sqft · $279/sqft · 80 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 5020 BEACH DRIVE SE UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5020 BEACH DRIVE SE UNIT D — 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
5020 BEACH DRIVE SE UNIT D FAQs
What would the monthly payment be for 5020 BEACH DRIVE SE UNIT D?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,026/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 5020 BEACH DRIVE SE UNIT D?+
The most recent tax bill on record (2024) was $4,165. 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 5020 BEACH DRIVE SE UNIT D?+
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 $240,000, this home is listed about 44% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5020 BEACH DRIVE SE UNIT D?+
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
01Under the ST PETERSBURG 33705 market on paper
$240,000 is 18% below the ST PETERSBURG 33705 median of $292,000, and at $310/sqft it sits under the St Petersburg average of $382.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
348 days on market against a St Petersburg median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $279,000, now $240,000 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Linnea Barone. MLS #TB8421294.
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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