4160 35TH TERRACE S UNIT I, ST PETERSBURG, FL, 33711
Active90 days on marketListed May 16, 2026MLS #TB8509325
About this home
4160 35TH TERRACE S UNIT I
Welcome to your own private oasis in Bermuda Bay! This gated waterfront community offers amenities that truly set it apart from others in the area, including a private beach on Boca Ciega Bay, a private boat launch, kayak storage, tennis courts, racquetball courts, clubhouse, playground, putting green, shuffleboard, and two heated pools. Resort-style living awaits! This spacious second-floor condo features 3 bedrooms and 2 bathrooms with an open layout perfect for relaxing and entertaining. Conveniently located just steps from one of the community’s heated pools, this unit offers comfort, privacy, and incredible potential. The second and third bedrooms share a beautifully updated Jack-and-Jill bathroom featuring a new tub and tile work. The large primary suite includes a spacious walk-in closet and an updated en-suite bathroom with a newly renovated tub and tile surround. Additional upgrades include new flooring, a new front door, and a new sliding glass door leading to the oversized screened patio. This flexible outdoor living space could easily be transformed into an all-seasons room, adding even more usable square footage to the condo. Tucked away in the rear of the complex, the unit overlooks a lush preserve and peaceful walking path, creating a tranquil setting to enjoy Florida living. Whether you are looking for a beach getaway, full-time residence, or investment property, this condo offers a fantastic opportunity with a 30-day minimum rental policy. Owners are also permitted to park a boat or RV onsite in a designated storage area for a small fee. Ideally located between downtown St. Petersburg and the Gulf beaches, Bermuda Bay offers the perfect blend of convenience, recreation, and waterfront lifestyle. Schedule your private showing today! Some rooms have been virtually staged to help showcase the property’s potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,375
Sqft
18.87 ac
Lot size
1974
Year built
One
Levels
$185
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.
$3,069 /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
$3,069/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
+3.4%
$/sqft vs BERMUDA BAY BEACH CONDO
$185 vs $236
Days on market
90 vs 58 typical
Where $185/sqft sits among the 10 homes for sale in BERMUDA BAY BEACH CONDO
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 Bayview
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Bayview — neighborhood snapshot
Population
3,892
Median age
52
Median income
$63,896
Median home value
$241,999
Avg household
2
Households w/ children
389
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)
4 of 10
BERMUDA BAY BEACH CONDO have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4160 35TH TERRACE S UNIT I
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$215,000
4105 38TH AVENUE S UNIT 75F · same community
3 bd · 2 ba · 1,375 sqft · $156/sqft · 39 DOM
Sold · Mar ’26$160,000
3585 41ST WAY S UNIT C · same community
2 bd · 2 ba · 1,375 sqft · $116/sqft · 0 DOM
Sold · Mar ’26$275,000
3585 41ST WAY S UNIT B · same community
3 bd · 2 ba · 1,375 sqft · $200/sqft · 36 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 4160 35TH TERRACE S UNIT I — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4160 35TH TERRACE S UNIT I — 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
4160 35TH TERRACE S UNIT I FAQs
What would the monthly payment be for 4160 35TH TERRACE S UNIT I?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,069/mo — principal and interest, the actual property-tax bill, the $1,217/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 4160 35TH TERRACE S UNIT I?+
The association fee works out to $1,217 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4160 35TH TERRACE S UNIT I?+
The most recent tax bill on record (2025) was $937. 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 4160 35TH TERRACE S UNIT I?+
The listing reports pets: Breed Restrictions, 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 St Petersburg?+
At $255,000, this home is listed about 41% 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 4160 35TH TERRACE S UNIT I?+
Gulfport Montessori Elementary School (elementary), Lakewood High School (high), Azalea 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 ST PETERSBURG 33711 market on paper
$255,000 is 18% below the ST PETERSBURG 33711 median of $312,500, and at $185/sqft it sits under the St Petersburg average of $381.
02Know the monthly fee
The association fee is $1,217/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03The price has already moved
Listed at $265,000, now $255,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Casey Franks. MLS #TB8509325.
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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