4715 BAY STREET NE UNIT 320, ST PETERSBURG, FL, 33703
Active32 days on marketListed Jul 17, 2026MLS #TB8530199
About this home
4715 BAY STREET NE UNIT 320
Enjoy the Florida lifestyle in beautiful Winston Park - a superbly maintained 55+ community in Northeast St Pete near shopping, dining, bike trails leading to downtown St Pete, waterfront parks and enjoy the outdoors year round! This 3rd floor unit is accessible by a nearby staircase or elevator and the top floor unit complete with HURRICANE RATED WINDOWS that open to the central courtyard. Enjoy the fabulous amenities amenities and activities in the clubhouse, at the heated pool, shuffleboard courts, BBQ grills and well-maintained grounds and courtyard with walking paths. and green space. You're just minutes away from shopping, dining, medical facilities, and everything you need. Shopping is convenient at Northeast Park Center including Publix and Whole Foods. Monthly fee of $748 includes exterior maintenance, manager, cable, internet, water and garbage and sewer. Residents must be 55+ / no dogs. The laundry room is on every floor, just steps from the unit. A large living / dining room leads through to the spacious kitchen with a bright and sunny breakfast room / flex space overlooking the outdoors. A private main bedroom features a walk in closet and full bath with tub/shower. A guest bedroom and bath is perfect for guests and has a stand up shower. HVAC replaced 2024. Assigned covered CARPORT PARKING & storage closet included.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,035
Sqft
1973
Year built
One
Levels
$130
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.
$1,230 /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
$1,230/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
−12.6%
$/sqft vs WINSTON PARK NORTHEAST
$130 vs $145
Days on market
32 vs 57 typical
Where $130/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)
17 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 68% 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 4715 BAY STREET NE UNIT 320
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$80,000
5095 BAY STREET NE UNIT 310 · same community
2 bd · 2 ba · 1,035 sqft · $77/sqft · 30 DOM
Sold · Dec ’25$120,000
4915 BAY STREET NE UNIT 222 · same community
2 bd · 2 ba · 1,035 sqft · $116/sqft · 47 DOM
Sold · Apr ’26$137,000
4920 LOCUST STREET NE UNIT 203 · same community
2 bd · 2 ba · 1,035 sqft · $132/sqft · 164 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 4715 BAY STREET NE UNIT 320 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4715 BAY STREET NE UNIT 320 — 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
4715 BAY STREET NE UNIT 320 FAQs
What would the monthly payment be for 4715 BAY STREET NE UNIT 320?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,230/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 4715 BAY STREET NE UNIT 320?+
The most recent tax bill on record (2025) was $2,591. 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 4715 BAY STREET NE UNIT 320?+
The listing reports pets: Number 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 $135,000, this home is listed about 69% below the St Petersburg median of $436,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4715 BAY STREET NE UNIT 320?+
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 SMITH & ASSOCIATES REAL ESTATE · Julie Jones. MLS #TB8530199.
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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