4890 BAY STREET NE UNIT 323, ST PETERSBURG, FL, 33703
Active43 days on marketListed Jul 6, 2026MLS #TB8526190
About this home
4890 BAY STREET NE UNIT 323
Welcome to affordable living in the desirable 55+ community of Winston Park NE. This third-floor condominium offers a wonderful opportunity to make it your own and is being sold As-Is. The appliances, HVAC system, water heater, and electrical panel will all convey in their current condition, making this an excellent option for buyers looking to update and personalize their new home. The unit includes the convenience of covered Carport #67 and is located in one of St. Petersburg's most active and welcoming condominium communities. Residents enjoy a beautifully landscaped courtyard,a community pool, shuffleboard courts, clubhouse, and a full calendar of social activities. The community has completed both its Milestone Inspection and Reserve Study, providing added peace of mind. Leasing is permitted after one year of ownership. Ideally located in Northeast St. Petersburg, you'll be just 10 minutes from vibrant downtown St. Petersburg and within walking distance of Whole Foods and Publix. Trader Joe's, Fresh Kitchen, Rollin' Oats, the YMCA, and two nearby golf courses are all just minutes away. Tampa International Airport is approximately 13 miles away, making travel convenient.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
790
Sqft
2 ac
Lot size
1972
Year built
One
Levels
$124
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 — not generic estimates.
$924 /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
$924/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
−34.7%
$/sqft vs WINSTON PARK NORTHEAST
$124 vs $145
Days on market
43 vs 58 typical
Where $124/sqft sits among the 38 homes for sale in WINSTON PARK NORTHEAST
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 Winston Park Northeast
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Winston Park Northeast — neighborhood snapshot
Population
775
Median age
72
Median income
$31,923
Median home value
$154,600
Avg household
1
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)
16 of 38
WINSTON PARK NORTHEAST have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 77% below the ST PETERSBURG 33703 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4890 BAY STREET NE UNIT 323
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$90,000
4890 BAY ST NE UNIT 324 · same community
1 bd · 1 ba · 790 sqft · $114/sqft · 13 DOM
Sold · May ’26$120,000
4885 1ST STREET NE UNIT 212 · same community
1 bd · 1 ba · 790 sqft · $152/sqft · 8 DOM
Sold · Mar ’26$130,000
4710 BAY STREET NE UNIT 109 · same community
1 bd · 1 ba · 790 sqft · $165/sqft · 40 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 4890 BAY STREET NE UNIT 323 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4890 BAY STREET NE UNIT 323 — 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
4890 BAY STREET NE UNIT 323 FAQs
What would the monthly payment be for 4890 BAY STREET NE UNIT 323?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $924/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4890 BAY STREET NE UNIT 323?+
The most recent tax bill on record (2025) was $1,721. 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 4890 BAY STREET NE UNIT 323?+
The listing reports pets: Yes, Cats OK. 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 $98,000, this home is listed about 77% 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 4890 BAY STREET NE UNIT 323?+
North Shore Elementary School (elementary), Northeast High School (high), Meadowlawn 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 LUXURY & BEACH REALTY INC · Carol Hasbrouck. MLS #TB8526190.
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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