3595 41ST LANE S UNIT D, ST PETERSBURG, FL, 33711
Active73 days on marketListed May 30, 2026MLS #TB8513024
About this home
3595 41ST LANE S UNIT D
Welcome to Bermuda Bay Beach & Racquet Club — where every day feels a little more like vacation and a little less like reality. Tucked quietly in the heart of this gated waterfront paradise, this charming 2-bedroom, 2.5-bath townhouse offers 1,280 square feet of comfort, character, storage galore, and the kind of laid-back Florida lifestyle everyone chases. Let’s start with the rare stuff… because Bermuda Bay residents know: storage is basically waterfront gold. This floor plan is famous for its smart use of space and endless storage options, including a huge double-length walk-in closet in the primary suite, oversized guest room walk-in closet, under-stair storage, oversized pantry, attic access, and even an outdoor storage closet for beach gear, bikes, holiday decorations, or that paddleboard you swear you’re going to use every weekend. The layout is warm, comfortable, and move-in ready, with ceramic tile downstairs, hardwood flooring upstairs, newer windows, in-unit laundry, and room to personalize and update at your own pace — already priced accordingly so you can add your own style without paying for someone else’s questionable design choices from 2007. One of the standout features? The gorgeous, brand-new screened lanai completed last year with nearly $9,000 invested, creating the perfect private outdoor retreat surrounded by lush greenery and peaceful landscaping. Morning coffee, evening wine, lazy Sunday naps… this is the spot. Upstairs, the spacious primary suite features an updated vanity area, large corner walk-in shower with glass surround, and a built-in dressing/makeup area that feels delightfully tucked away from the world. Some furnishings are negotiable, making your move even easier. And then there’s Bermuda Bay itself — one of St. Petersburg’s best-kept hidden gems. Residents enjoy a private beach on Boca Ciega Bay with sunset views that honestly make you stop mid-sentence, two sparkling pools, a hot tub, tennis & racquet courts, clubhouse, kayak storage, shuffleboard, beautifully maintained grounds, and a private gated connection directly to the Pinellas Trail for biking, jogging, dog walks, or nature-filled strolls through nearby bird sanctuary areas. Despite feeling worlds away, you’re just minutes to Gulfport, downtown St. Pete, beaches, restaurants, nightlife, shopping, and easy highway access for commuting or airport runs. This is the sweet spot buyers wait for: private, peaceful, affordable waterfront community living with room to make it your own. Whether you’re looking for a full-time residence, seasonal escape, or investment opportunity, this Bermuda Bay townhouse delivers the Florida lifestyle with comfort, charm, and just enough tropical magic to make your friends jealous.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,280
Sqft
0 ac
Lot size
1974
Year built
Multi/Split
Levels
$155
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.
$2,818 /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
$2,818/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
−29.4%
$/sqft vs BERMUDA BAY BEACH CONDO
$155 vs $236
Days on market
73 vs 57 typical
Where $155/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 35% 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 3595 41ST LANE S UNIT D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$192,500
4120 35TH TERRACE S UNIT A · same community
2 bd · 2.5 ba · 1,280 sqft · $150/sqft · 88 DOM
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
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 3595 41ST LANE S UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3595 41ST LANE S UNIT D — 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
3595 41ST LANE S UNIT D FAQs
What would the monthly payment be for 3595 41ST LANE S UNIT D?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,818/mo — principal and interest, the actual property-tax bill, the $1,130/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 3595 41ST LANE S UNIT D?+
The association fee works out to $1,130 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3595 41ST LANE S UNIT D?+
The most recent tax bill on record (2025) was $3,225. 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 3595 41ST LANE S UNIT D?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $199,000, this home is listed about 54% 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 3595 41ST LANE S UNIT D?+
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
$199,000 is 35% below the ST PETERSBURG 33711 median of $307,500, and at $155/sqft it sits under the St Petersburg average of $382.
02Know the monthly fee
The association fee is $1,130/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 $219,000, now $199,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Tori Elvir. MLS #TB8513024.
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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