5227 81ST LANE N UNIT 22, ST PETERSBURG, FL, 33709
Active122 days on marketListed Apr 14, 2026MLS #TB8493395
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Upcoming open house
Sun, Aug 16
12:00 PM – 2:00 PM
Charming, cozy 2 Bedrooms, updates, carport, immaculate....!
About this home
5227 81ST LANE N UNIT 22
WOW… TOTALLY CHARMING… IMMACULATELY MAINTAINED WITH LOVE…! Welcome to this beautifully maintained 2-Bedroom condo in the highly desirable Paradise Shores 55+ community—a home that truly shines from the moment you walk through the front door! You’ll immediately feel the warmth and comfort of the inviting living and dining areas, featuring wood-look vinyl plank flooring and a layout that’s perfect for both relaxing and entertaining. The galley-style kitchen offers an abundance of cabinetry, a large pantry, and updated appliances—including the addition of a dishwasher—making it ideal for everyday living or preparing meals for guests. The cozy Florida Room/Family Room is filled with natural light thanks to its many windows and offers the perfect space for a den, office, or additional sitting area. Both bedrooms are generously sized, with the spacious primary suite offering a wall of double closets and plenty of room for all your furnishings. The guest bedroom is privately situated down the hallway—so comfortable your guests may never want to leave! Additional highlights include updated windows and A/C for peace of mind. The LOW monthly HOA fee covers an incredible list of expenses, including Internet, WiFi, Cable TV, gas (for cooking, heat, and hot water), water, sewer, trash, building insurance, roof, exterior maintenance, grounds care, reserves, and recreational amenities—making for easy, worry-free living. Paradise Shores is a resort-style 55+ community offering a vibrant and active lifestyle with amenities that include: Heated salt water swimming pool Recreation center with library Community room & full kitchen for gatherings Shuffleboard & bocce courts Firepit & outdoor picnic/barbecue areas Registered service animals are permitted LOCATION… LOCATION… LOCATION…! You’re just minutes to beautiful Gulf Beaches, Tyrone Mall, additional shopping and dining, vibrant Downtown St. Petersburg, The Pier, and an easy commute to Tampa International Airport. Whether you’re looking for a full-time residence or the perfect vacation retreat, this special condo truly feels like HOME. WELCOME HOME…! Schedule your private showing or FaceTime tour today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,010
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$94
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.
$917 /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
$917/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
−40.3%
$/sqft vs PARADISE SHORES
$94 vs $104
Days on market
122 vs 58 typical
Where $94/sqft sits among the 17 homes for sale in PARADISE SHORES
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 Paradise Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Paradise Shores — neighborhood snapshot
Population
352
Median age
63
Median income
$52,552
Median home value
$131,100
Avg household
2
Households w/ children
12%
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)
10 of 17
PARADISE SHORES have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the ST PETERSBURG 33709 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 5227 81ST LANE N UNIT 22
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$110,000
5297 81ST LANE N UNIT 4 · same community
2 bd · 1 ba · 1,010 sqft · $109/sqft · 56 DOM
Sold · Sep ’25$118,000
5246 81ST STREET N UNIT 10 · same community
2 bd · 2 ba · 1,010 sqft · $117/sqft · 10 DOM
Sold · Mar ’26$120,000
5286 81ST STREET N UNIT 4 · same community
2 bd · 2 ba · 1,085 sqft · $111/sqft · 165 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 5227 81ST LANE N UNIT 22 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5227 81ST LANE N UNIT 22 — 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
5227 81ST LANE N UNIT 22 FAQs
What would the monthly payment be for 5227 81ST LANE N UNIT 22?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $917/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 5227 81ST LANE N UNIT 22?+
The most recent tax bill on record (2025) was $1,864. 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 5227 81ST LANE N UNIT 22?+
The listing reports pets: No. 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 $95,000, this home is listed about 78% 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 5227 81ST LANE N UNIT 22?+
Seventy-Fourth St. Elementary (elementary), Azalea Middle School (middle), Dixie M. Hollins High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HOME SWEET HOME REAL ESTATE · Kathy Ruff. MLS #TB8493395.
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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