190 BANYAN BAY DRIVE, ST PETERSBURG, FL, 33705
Active41 days on marketListed Jun 30, 2026MLS #TB8524673
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Upcoming open house
Sun, Aug 16
12:00 PM – 2:00 PM
About this home
190 BANYAN BAY DRIVE
Stop searching. This is the one buyers wait years for in Banyan Bay Welcome to Banyan Bay, one of St. Petersburg's premier gated waterfront communities. Opportunities like this are incredibly rare. This exceptional end-unit townhome offers a combination of privacy, upgrades, and outdoor living that simply doesn't exist anywhere else in the community. The backyard is what separates this home from everything else. Backing directly to the peaceful Little Banyan Bay Preserve, you'll enjoy a level of privacy and space that's almost impossible to find. No flooding, No storm damage, and has absolutely no competition. Whether you're hosting unforgettable gatherings, celebrating life's biggest moments, or simply unwinding after a long day, this backyard delivers an experience—not just a place to live. Step inside and you'll immediately appreciate the thoughtful design and quality throughout. Soaring ceilings, plantation shutters, and abundant natural light create a warm, inviting atmosphere. At the heart of the living space is a stunning custom-built entertainment wall featuring a sleek electric fireplace, handcrafted mantle, and shiplap accent wall—the perfect centerpiece that adds warmth, character, and a true custom-home feel. The beautifully updated kitchen features quartz countertops, a walk-in pantry, and an open layout designed for everyday living and effortless entertaining. With three spacious bedrooms, two-and-a-half bathrooms, and a generous upstairs bonus living area, there's room for everyone to relax and enjoy. The primary suite is its own private retreat, complete with a balcony overlooking the preserve—the perfect place to enjoy your morning coffee or end the day with a glass of wine surrounded by peaceful nature. Additional upgrades include a brand-new air conditioning system, GE whole-house water filtration system, impact windows and doors, and an oversized two-car garage with exceptional storage. Living in Banyan Bay means enjoying a truly low-maintenance, resort-style lifestyle. The HOA covers exterior maintenance, including the roof and building insurance, along with water, sewer, trash, cable, and internet. Residents also enjoy a heated pool, fishing pier, kayak storage, and beautifully maintained grounds. If you've been waiting for the best opportunity in Banyan Bay, your search ends here.** Between the unmatched backyard, premium upgrades, custom finishes, end-unit privacy, and incredible community amenities, there simply isn't another home that offers this complete package. Don't wait for another one to come along—because it won't.**
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,194
Sqft
0.03 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$301
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.
$5,793 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,793/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−14.4%
$/sqft vs St Petersburg actives
$301 vs $329
Days on market
41 vs 57 typical
Where $301/sqft sits among the 400 St Petersburg 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 Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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)
220 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 127% above the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 190 BANYAN BAY DRIVE
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$800,000
144 BANYAN BAY DRIVE · same community
3 bd · 2.5 ba · 2,230 sqft · $359/sqft · 170 DOM
Sold · Apr ’26$680,000
7331 DEMENS DRIVE S
3 bd · 2 ba · 2,245 sqft · $303/sqft · 75 DOM
Sold · Dec ’25$755,000
7001 DR MARTIN LUTHER KING JR STREET S
4 bd · 2 ba · 2,115 sqft · $357/sqft · 65 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 190 BANYAN BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 190 BANYAN BAY DRIVE — 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
190 BANYAN BAY DRIVE FAQs
What would the monthly payment be for 190 BANYAN BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,793/mo — principal and interest, the actual property-tax bill, the $1,128/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 190 BANYAN BAY DRIVE?+
The association fee works out to $1,128 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 190 BANYAN BAY DRIVE?+
The most recent tax bill on record (2025) was $8,394. 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 190 BANYAN BAY DRIVE?+
The listing reports pets: 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 $659,500, this home is listed about 53% above the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 190 BANYAN BAY DRIVE?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$659,500 runs 127% above the ST PETERSBURG 33705 median — but at 2,194 sqft it's also 63% larger than the typical St Petersburg listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,128/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $695,000, now $659,500 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Brad Bess. MLS #TB8524673.
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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