7405 BAY ISLAND DRIVE S UNIT 220, SOUTH PASADENA, FL, 33707
Active31 days on marketListed Jul 11, 2026MLS #TB8526142
About this home
7405 BAY ISLAND DRIVE S UNIT 220
Waterfront! This 2nd floor unit checks all of the boxes; End Unit, Split Plan, Covered/Screened Patio and In-Unit Laundry. There are new cabinets, stainless steel appliances, quartz counters in the kitchen and new vanities in both bathrooms, The primary bathroom has a walk-in shower. The stackable washer/dryer is also located in a closet in the primary bathroom. This unit also has new porcelain tile flooring. This unit also comes with an assigned covered parking space. The rent includes water, sewer, internet, and basic cable. Bay Island is a well maintained 55+ gated, waterfront community with many amenities, such as; 6 pools, 2 hot tubs, tennis courts, pickleball courts, shuffleboard courts, fitness centers, ping pong tables, card tables, billiards, a marina, tiki huts with gas grills, dog walk areas, a gas grill next to the pool that is just steps from the unit... This location is convenient to many area beaches, shops and restaurants. Not a Short Term Rental - Annual Lease only. Come take a look!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,110
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$2
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.
$179 /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
$179/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
$2 vs $263
Days on market
31 vs 61 typical
Where $2/sqft sits among the 83 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 83
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 7405 BAY ISLAND DRIVE S UNIT 220
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$185,000
7405 BAY ISLAND DRIVE S UNIT 220 · same community
2 bd · 2 ba · 1,110 sqft · $167/sqft · 406 DOM
Sold · Nov ’25$200,000
7401 BAY ISLAND DRIVE S UNIT 338 · same community
2 bd · 2 ba · 1,110 sqft · $180/sqft · 91 DOM
Sold · Jun ’26$180,000
7405 BAY ISLAND DRIVE S UNIT 123 · same community
1 bd · 1 ba · 725 sqft · $248/sqft · 175 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 7405 BAY ISLAND DRIVE S UNIT 220 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7405 BAY ISLAND DRIVE S UNIT 220 — 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
7405 BAY ISLAND DRIVE S UNIT 220 FAQs
What would the monthly payment be for 7405 BAY ISLAND DRIVE S UNIT 220?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $179/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 7405 BAY ISLAND DRIVE S UNIT 220?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $2,600, this home is listed about 99% below the South Pasadena median of $254,969. The market section on this page shows how the area is trending.
Which schools are assigned to 7405 BAY ISLAND DRIVE S UNIT 220?+
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.
The brief
Three things that matter here
01Under the SOUTH PASADENA 33707 market on paper
$2,600 is 99% below the SOUTH PASADENA 33707 median of $304,000, and at $2/sqft it sits under the South Pasadena average of $290.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $2,750, now $2,600 — a $150 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Patrick Podolske. MLS #TB8526142.
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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