192 COQUINA BAY DRIVE, ST PETERSBURG, FL, 33705
Active155 days on marketListed Mar 14, 2026MLS #TB8485777
About this home
192 COQUINA BAY DRIVE
One or more photo(s) has been virtually staged. Welcome to your new townhouse home at 192 Coquina Bay Dr., St Petersburg, FL 33705. If you were hoping to be close to the beaches and the water, then this two story, three bedroom, two and a half bath townhome in Coquina Key is exactly what you were looking for! The unit is a split plan with a lovely screened in rear patio overlooking the private serene pond. The kitchen has stainless steel appliances. A storage unit can be found onsite. Downstairs you will find a large living area, half bath with laundry room closet, dining room, the screened patio. Upstairs the three bed rooms and two baths will be found. It's minutes away from important local significant destinations such as the beaches, ocean, University of South Florida St Pete Campus, Stetson University, Stetson Law School, Tampa International Airport, St Pete Clearwater Airport, St Petersburg downtown, museums, shopping, grocery stores, All Children's Hospital, Kindred Hospital, Eckerd College, and amazing schools. The pool is right outside the front door! Residents will enjoy the community pool, jacuzzi, cabana, and walking areas. Nearby outside the community can be found a boat launching area, tennis courts, basketball court, gym, picnic sites, and waterways.The roof and AC are only 1.5 years old and the kitchen appliances are 3 years old. Cost savings abound here! Take a look at the 3D walk through, pictures, and video that accompany this listing, but nothing takes the place of actually visiting this stunning home. Make your appointment today to visit inside! All statements in the listing are believed to be true and reliable by the seller and listing agent. Buyer and Buyer's Agent should verify all facts, statements, and measurements. Showings are by appointment only. Seller requests no assignable, seller finance or wholesale purchase offers. This is your opportunity to finally own your little corner of St Petersburg by living in Coquina Key! Call for your showing today.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,538
Sqft
0.02 ac
Lot size
2005
Year built
Two
Levels
$195
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.
$2,781 /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
$2,781/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.
$/sqft vs St Petersburg actives
$195 vs $343
Days on market
155 vs 57 typical
Where $195/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 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)
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 2% above the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 192 COQUINA BAY DRIVE
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 · Aug ’26$242,000
170 COQUINA BAY DRIVE · same community
2 bd · 2.5 ba · 1,538 sqft · $157/sqft · 22 DOM
Sold · Jan ’26$255,000
3855 ISLAND WAY · same community
2 bd · 2.5 ba · 1,538 sqft · $166/sqft · 24 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 192 COQUINA BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 192 COQUINA BAY DRIVE — 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
192 COQUINA BAY DRIVE FAQs
What would the monthly payment be for 192 COQUINA BAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,781/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 192 COQUINA BAY DRIVE?+
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 192 COQUINA BAY DRIVE?+
The most recent tax bill on record (2025) was $1,474. 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 192 COQUINA BAY DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $299,900, this home is listed about 31% 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 192 COQUINA BAY DRIVE?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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
155 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $325,000, now $299,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MALA REAL ESTATE, LLC · Kumar Jairamdas. MLS #TB8485777.
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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