145 BAY POINT DRIVE NE, ST PETERSBURG, FL, 33704
Active209 days on marketListed Jan 13, 2026MLS #TB8460708
About this home
145 BAY POINT DRIVE NE
This mediterranean Bay Point Drive oasis on exclusive Snell Island, in the heart of Snell Isle, features an open floor plan, gourmet kitchen and new dock, seawall and two lifts, one 16k pound elevator easily supporting a 40’ vessel plus a 12k pound elevator currently set up for two jet skis, all on a protected canal just seventy-five meters from the stunning open blue waters of Tampa Bay and its countless beaches, bars and restaurants. With four bedrooms, three bathrooms and a large open floor plan blending a gourmet kitchen with new Décor appliances and stainless steel butler’s pantry with a large, comfortable living area, this art lover’s dream boasts integrated entertaining spaces with smart home functionality including Lutron remote lighting, all new LED lighting, exquisite chandeliers by lighting artist Ingo Maurer, in ceiling speakers, electronic privacy shades and much more. Outside, the large, lush, private and secured backyard features a heated saltwater pool with the latest equipment and LED lighting and an oversized covered patio with fireplace providing respite from both hot summer days and cool winter nights. For the auto enthusiast, this home features a tiled 2.5 car garage, amply accommodating two vehicles, a golf cart and all of the water toys necessary to truly enjoy the magic of waterfront St. Petersburg living. Don’t miss the opportunity to view the lowest priced direct water access property on Snell Isle, where you are just minutes from walking, biking, boating or golf carting to all of the amenities and festivals of vibrant downtown St. Petersburg.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,984
Sqft
0.3 ac
Lot size
3
Garage
1972
Year built
Two
Levels
$1,072
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.
$22,574 /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
$22,574/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
+58.4%
$/sqft vs St Petersburg actives
$1,072 vs $327
Days on market
209 vs 55 typical
Where $1,072/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 Bay Point Snell Isle
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Bay Point Snell Isle — neighborhood snapshot
Population
43
Median age
58
Median income
$164,167
Median home value
$1,507,800
Avg household
2
Households w/ children
2%
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)
222 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 301% above the ST PETERSBURG 33704 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 145 BAY POINT DRIVE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$2,000,000
555 5TH AVENUE NE UNIT 322
3 bd · 2.5 ba · 3,000 sqft · $667/sqft · 0 DOM
Sold · Mar ’26$1,800,000
555 5TH AVENUE NE UNIT 424
3 bd · 2.5 ba · 3,000 sqft · $600/sqft · 143 DOM
Sold · Nov ’25$2,825,000
555 5TH AVENUE NE UNIT 1022
3 bd · 2.5 ba · 3,000 sqft · $942/sqft · 0 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 145 BAY POINT DRIVE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 145 BAY POINT DRIVE NE — 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
145 BAY POINT DRIVE NE FAQs
What would the monthly payment be for 145 BAY POINT DRIVE NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,574/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 145 BAY POINT DRIVE NE?+
The most recent tax bill on record (2025) was $47,364. 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 145 BAY POINT DRIVE NE?+
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 $3,200,000, this home is listed about 644% 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 145 BAY POINT DRIVE NE?+
North Shore Elementary School (elementary), John Hopkins Middle School (middle), St. Petersburg High School (high) — 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
$3,200,000 runs 301% above the ST PETERSBURG 33704 median — but at 2,984 sqft it's also nearly twice the size of the typical St Petersburg listing.
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
209 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 $3,499,900, now $3,200,000 — a $300K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Crissy McWilliams. MLS #TB8460708.
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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