7420 BAY ISLAND DRIVE S UNIT 176, SOUTH PASADENA, FL, 33707
Active104 days on marketListed May 1, 2026MLS #TB8504122
About this home
7420 BAY ISLAND DRIVE S UNIT 176
Welcome to Bay Island, a guarded, gated 55+ waterfront community. This one bedroom, one bath condo has been tastefully updated and the private porch is only steps away from the water. This complex has 6 pools, jacuzzis, 4 tennis courts, pickleball courts, barbeque grills, a clubhouse, a library, gyms, a community and card playing room. Available beginning May 2026. Association approval is required and takes 10 business days. One small pet is allowed.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
570
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 South Pasadena actives
$4 vs $263
Days on market
104 vs 63 typical
Where $4/sqft sits among the 82 South Pasadena 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 South Pasadena
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know South Pasadena. See the full South Pasadena guide →
SOUTH PASADENA 33707 — neighborhood snapshot
Population
24,456
Median age
59.8
Median income
$68,560
Median home value
$344,600
Avg household
1.88
Households w/ children
1,331
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The South Pasadena market
$338K → $340K
South Pasadena median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
52 of 82
South Pasadena actives have cut their price
Median sold price, South Pasadena, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the SOUTH PASADENA 33707 median. See the full South Pasadena market guide →
Paper trail
This home's history
Reality check
What actually sold near 7420 BAY ISLAND DRIVE S UNIT 176
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$208,000
7420 BAY ISLAND DRIVE S UNIT 174 · same community
1 bd · 1.5 ba · 805 sqft · $258/sqft · 156 DOM
Sold · Jul ’26$225,000
505 67TH AVENUE UNIT 5
1 bd · 1 ba · 560 sqft · $402/sqft · 39 DOM
Sold · Sep ’25$230,000
505 67TH AVENUE UNIT 11
1 bd · 1 ba · 560 sqft · $411/sqft · 17 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 7420 BAY ISLAND DRIVE S UNIT 176 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7420 BAY ISLAND DRIVE S UNIT 176 — 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
7420 BAY ISLAND DRIVE S UNIT 176 FAQs
What would the monthly payment be for 7420 BAY ISLAND DRIVE S UNIT 176?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 7420 BAY ISLAND DRIVE S UNIT 176?+
The listing reports pets: Dogs 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 South Pasadena?+
At $2,000, this home is listed about 99% below the South Pasadena median of $252,468. The market section on this page shows how the area is trending.
Which schools are assigned to 7420 BAY ISLAND DRIVE S UNIT 176?+
Gulfport Montessori Elementary School (elementary), Boca Ciega High School (high), Azalea Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL HOME ADVISORS RE · Keith Slater. MLS #TB8504122.
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.
Never miss a listing
New South Pasadena homes, in your inbox
Like 7420 BAY ISLAND DRIVE S UNIT 176 but not quite? A daily digest of every new listing in South Pasadena — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →