2944 W BAY DRIVE UNIT 106, BELLEAIR BLUFFS, FL, 33770
Active124 days on marketListed Apr 7, 2026MLS #TB8495009
About this home
2944 W BAY DRIVE UNIT 106
Welcome home to this charming, move-in ready condo ideally situated in the heart of Belleair Bluffs, one of Pinellas County’s most desirable coastal communities. Perfectly positioned just steps from the iconic Belleair Bridge Marina and public boat ramps, this all-ages first-floor residence offers an affordable opportunity to enjoy the Florida lifestyle surrounded by water, sunshine, and everyday convenience. Whether you’re heading out for a sunset cruise, grabbing brunch at a local favorite, or spending the day at the nearby award-winning Gulf beaches, this location truly makes everyday feel like a vacation. As you arrive, you’ll appreciate the convenience of your own covered carport just steps from the front door. Inside, this well-maintained 2 bedroom, 2 bathroom condo offers a comfortable and functional layout designed for easy living. The kitchen has everything you need with stainless steel appliances, excluding the refrigerator, along with a large pantry that provides excellent additional storage. The living and dining room combination feels bright and inviting, featuring wood-look tile flooring and a seamless flow into the sun-lit enclosed patio, creating the perfect space to relax, unwind, or enjoy your morning coffee. The split bedroom layout offers both comfort and privacy, with luxury vinyl plank flooring in both bedrooms for a clean and updated feel. The oversized primary suite features dual closets and its own ensuite bathroom, while the guest bedroom is conveniently located near the second full bathroom, ideal for visitors or everyday use. Step outside to the enclosed sunroom where you’ll also find a private storage closet, adding even more practical functionality to the space. This well-kept community offers an elevator, common laundry room, beautifully landscaped courtyard views shaded by mature oak trees, and a low-maintenance lifestyle that is hard to beat. Association fees include water, sewer, trash, grounds maintenance, building maintenance, roof, basic cable TV, and insurance on the building, giving you peace of mind and easy ownership. With no flood insurance required, a pet-friendly policy allowing two cats, and a 3-month minimum rental policy, this property is an excellent option for a full-time residence, seasonal getaway, or investment opportunity. Don’t miss your chance to own your own slice of paradise in Belleair Bluffs.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
948
Sqft
1966
Year built
One
Levels
$222
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.
$1,692 /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
$1,692/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
+11.2%
$/sqft vs Belleair Bluffs actives
$222 vs $273
Days on market
124 vs 90 typical
Where $222/sqft sits among the 22 Belleair Bluffs 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 Harbor Bluffs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Belleair Bluffs. See the full Belleair Bluffs guide →
Harbor Bluffs — neighborhood snapshot
Population
1,626
Median age
55
Median income
$134,535
Median home value
$673,943
Avg household
3
Households w/ children
122
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Belleair Bluffs market
$234K → $252K
Belleair Bluffs median sold, yr/yr
93.1%
Sale-to-list ratio (12 mo)
14 of 22
Belleair Bluffs actives have cut their price
Median sold price, Belleair Bluffs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the BELLEAIR BLUFFS 33770 median. See the full Belleair Bluffs market guide →
Paper trail
This home's history
Reality check
What actually sold near 2944 W BAY DRIVE UNIT 106
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$160,000
2950 W BAY DRIVE UNIT A2 · same community
2 bd · 1 ba · 765 sqft · $209/sqft · 6 DOM
Sold · Dec ’25$175,000
2950 WEST BAY DRIVE UNIT B5 · same community
1 bd · 1 ba · 765 sqft · $229/sqft · 123 DOM
Sold · Jul ’26$175,000
11201 122ND AVENUE UNIT 208
2 bd · 2 ba · 960 sqft · $182/sqft · 76 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 2944 W BAY DRIVE UNIT 106 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2944 W BAY DRIVE UNIT 106 — 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
2944 W BAY DRIVE UNIT 106 FAQs
What would the monthly payment be for 2944 W BAY DRIVE UNIT 106?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,692/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 2944 W BAY DRIVE UNIT 106?+
The most recent tax bill on record (2025) was $2,433. 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 2944 W BAY DRIVE UNIT 106?+
The listing reports pets: Cats OK, 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 Belleair Bluffs?+
At $210,000, this home is listed about 41% below the Belleair Bluffs median of $354,999. The market section on this page shows how the area is trending.
Which schools are assigned to 2944 W BAY DRIVE UNIT 106?+
Mildred Helms Elementary School (elementary), Largo High School (high), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the BELLEAIR BLUFFS 33770 market on paper
$210,000 is 26% below the BELLEAIR BLUFFS 33770 median of $285,000, and at $222/sqft it sits under the Belleair Bluffs average of $278.
02Strong assigned schools
Mildred Helms Elementary School, Largo High School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $235,000, now $210,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAVREALTY · McKenzie Metts. MLS #TB8495009.
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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