4635 DOLPHIN CAY LANE S, ST PETERSBURG, FL, 33711
Active197 days on marketListed Jan 29, 2026MLS #TB8467613
About this home
4635 DOLPHIN CAY LANE S
Experience an unparalleled waterfront lifestyle in this exquisite single-family home, perfectly situated at 4635 Dolphin Cay Ln S in St Petersburg. Boasting a coveted high elevation, this residence offers breathtaking, panoramic views of Boca Ciega Bay from nearly every vantage point, creating a serene and picturesque backdrop for everyday living. Step inside and discover an open-concept design accentuated by soaring 12-foot ceilings and pristine white oak hardwood flooring that flows seamlessly throughout. The heart of this home is undoubtedly the chef's dream kitchen, featuring top-of-the-line professional Heston appliances, stunning granite and stone countertops, and a double island perfect for entertaining. Culinary enthusiasts will delight in the double dishwasher, gas cooktop grill, three ovens, and a custom gold range hood, all complemented by an elegant pebble stone backsplash and a charming eat-in dining area. The expansive living room invites relaxation with its elegant wet bar and a captivating double-sided glass fireplace, offering warmth and ambiance. Enjoy tranquil pool views that blend effortlessly with the sparkling bay. The main level also thoughtfully includes a dedicated office space and a comfortable guest bedroom, ensuring convenience and privacy. Ascend to the luxurious primary suite, a true sanctuary featuring mesmerizing water views, a private sitting area, and an exclusive balcony perfect for savoring morning coffee or evening sunsets. The opulent primary bath is an indulgent retreat, complete with a freestanding soaking tub with a ceiling-mounted faucet, a spacious two-person shower with a rain shower head, two custom vanities, and a generously sized walk-in closet with cabinet lighting, plus the added convenience of a second washer and dryer. A dedicated workout room further enhances this home's exceptional offerings. Outside, the mature tropical landscaping frames a private oasis centered around a pebble-tec, saltwater pool and spa, surrounded by multiple seating areas and a built-in grill for effortless outdoor entertaining. The private dock, equipped with a 20,000 lb boat lift, provides direct access to the sparkling waters. This guard-gated community elevates your lifestyle with exclusive access to a private beach, tennis courts, and a casino/clubhouse, all connected by scenic walking trails and much more. Perfectly positioned, this home offers the best of St. Petersburg living, just a 10 minute drive from vibrant downtown, 10 minutes from the pristine sands of St. Pete Beach, and a convenient 30-minute drive to Tampa International Airport. This is more than a home; it's a lifestyle. Don't miss the opportunity to own this magnificent waterfront retreat. Schedule your private showing today and begin living the dream!
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
3,647
Sqft
0.21 ac
Lot size
2
Garage
1996
Year built
Two
Levels
$1,124
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.
$27,626 /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
$27,626/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.
$/sqft vs St Petersburg actives
$1,124 vs $336
Days on market
197 vs 58 typical
Where $1,124/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 St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33711 — neighborhood snapshot
Population
18,347
Median age
38.5
Median income
$68,295
Median home value
$253,100
Avg household
2.35
Households w/ children
1,371
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)
228 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 1212% above the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4635 DOLPHIN CAY LANE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,639,000
4703 DOLPHIN CAY LANE S · same community
4 bd · 3.5 ba · 3,900 sqft · $420/sqft · 305 DOM
Sold · May ’26$2,500,000
6191 51ST STREET S
4 bd · 5 ba · 3,385 sqft · $739/sqft · 40 DOM
Sold · May ’26$2,000,000
4928 61ST AVENUE S
3 bd · 3.5 ba · 3,282 sqft · $609/sqft · 37 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 4635 DOLPHIN CAY LANE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4635 DOLPHIN CAY LANE S — 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
4635 DOLPHIN CAY LANE S FAQs
What would the monthly payment be for 4635 DOLPHIN CAY LANE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $27,626/mo — principal and interest, the actual property-tax bill, the $479/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 4635 DOLPHIN CAY LANE S?+
The association fee works out to $479 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4635 DOLPHIN CAY LANE S?+
The most recent tax bill on record (2024) was $39,914. 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 4635 DOLPHIN CAY LANE S?+
The listing reports pets: Number Limit, Size Limit. 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 $4,100,000, this home is listed about 843% above the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4635 DOLPHIN CAY LANE S?+
Bay Point Middle School (middle), Gulfport Montessori Elementary School (elementary), Lakewood High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$4,100,000 runs 1212% above the ST PETERSBURG 33711 median — but at 3,647 sqft it's also nearly 3 times 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
197 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Jim DiMartino. MLS #TB8467613.
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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