3869 ISLAND WAY, ST PETERSBURG, FL, 33705
Active274 days on marketListed Nov 7, 2025MLS #TB8444844
About this home
3869 ISLAND WAY
Check out this Pristine and quiet Gated Coquina Key Community Town Home! This Townhouse features 2 Bedrooms and 2.5 baths, washer and dryer and a den. As you enter you will notice a hallway that guides you to the enclosed kitchen with a pass through breakfast bar. You will appreciate the spacious dedicated dinning room area so you can host your dinner parties. There is a half bath laundry room combo which allows for efficient spacing. The spacious living room allows natural sunlight facing the slide doors and the covered screen lanai with storage room. Upstairs there is 2 bedrooms and a flex room which you can turn into an office, perfect for those that works from home. Enjoy the community Pool and Hot tub or just relax on the pool lounge chair during sunny days. You also have assigned parking and ample guest parking spaces. There is an Island park with a tennis court, basketball court, dog park, trail and benches on the water. HOA includes water, sewer, trash, exterior flood insurance, roof maintenance, landscaping, gated security, exterior pest control, and exterior termite protection. This Town Home is conveniently located 6min from the Skyway Bridge, 15 mins away from St. Pete Pier, 15 mins away from St.Pete Beach, 15min away from Downtown St. Pete. Coquina Key Sports Complex nearby offering tennis, pickleball, and basketball courts, there's no shortage of ways to stay active right in this neighbourhood. Convenience, great price and gated community. This is your opportunity to make this house your HOME.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,538
Sqft
0.02 ac
Lot size
2004
Year built
Two
Levels
$140
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.
$2,551 /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
$2,551/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
−24.3%
$/sqft vs COQUINA KEY TWNHMS
$140 vs $175
Days on market
274 vs 55 typical
Where $140/sqft sits among the 6 homes for sale in COQUINA KEY TWNHMS
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 → $410K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
4 of 6
COQUINA KEY TWNHMS have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% 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 3869 ISLAND WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$251,000
3866 MARINER DRIVE · same community
2 bd · 2.5 ba · 1,538 sqft · $163/sqft · 49 DOM
Sold · Jan ’26$255,000
3855 ISLAND WAY · same community
2 bd · 2.5 ba · 1,538 sqft · $166/sqft · 24 DOM
Sold · Oct ’25$235,000
3853 ISLAND WAY · same community
2 bd · 2.5 ba · 1,538 sqft · $153/sqft · 34 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 3869 ISLAND WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3869 ISLAND WAY — 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
3869 ISLAND WAY FAQs
What would the monthly payment be for 3869 ISLAND WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,551/mo — principal and interest, the actual property-tax bill, the $600/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 3869 ISLAND WAY?+
The association fee works out to $600 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3869 ISLAND WAY?+
The most recent tax bill on record (2024) was $5,163. 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 3869 ISLAND WAY?+
The listing reports pets: 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 $215,000, this home is listed about 50% 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 3869 ISLAND WAY?+
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
$215,000 is 26% below the ST PETERSBURG 33705 median of $291,000, and at $140/sqft it sits under the St Petersburg average of $382.
02Know the monthly fee
The association fee is $600/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
274 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 $260,000, now $215,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Dapo Shitta-Bey. MLS #TB8444844.
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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