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List Price

$169,900

7665 Sun Island Unit 409, South Pasadena, FL 33707

74 days on market

Estimated Payment

$1,854/mo

20% down and current market rates

Bedrooms1 bdBathrooms1 baLiving area600 Square FeetYear builtBuilt 1974

Listed by

Sharlene Woodis

LPT REALTY, LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

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PARADISE IS CALLING ~~ Super cute, cozy, waterfront condo that is located in the well sought after ESSEX building in this popular, guard gated 55+ community of BAY ISLAND. This condo is perfect as a "WINTER GET-AWAY or a wonderful FULL TIME RESIDENCE. Enjoy the panoramic water views of Boca Ciega Bay and be entertained by the many dolphins that frolic in the waters below and the many birds that soar above the sparkling waters. This lovely unit provides a Great Room concept, open kitchen with 42 inch cabinets, appliance package, coordinating backsplash and breakfast bar for on-the-go snacking. The Bathroom is cheerful with a modern look offering a single sink vanity with cabinet storage, overhead accent shelf/cabinet and full tub/shower combination. Neutral in color ~ this provides a blank slate to make it your own by adding the calming coastal watercolor hues. Step into the Primary Bedroom which offers a full walk-in closet, sliders that lead to a private covered waterfront balcony and plenty of interior wall space to strategically place furniture for optimum usage. This easy care unit showcases full tile flooring throughout, neutral paint, storage closets in both the hall and bedroom. Electric storm shutters provide the ultimate in storm protection for the Balcony slider as well as the front Picture Window. A covered carport dedicated to this unit is also included in the sale.

7665 Sun Island Unit 409, South Pasadena, FL 33707 in South Pasadena, FL 33707 is listed for $169,900. The home has 1 bedroom, 1 bathroom, and 600 square feet, and was built in 1974. Listed 74 days ago. The listing is held by LPT REALTY, LLC.

33707 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$3,062 (tax year 2025)
HOA fee$538 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $33,980

$

$1,854/moest.

  • Principal & Interest 50%
  • Property Taxes 14%
  • Insurance 8%
  • HOA 29%
Principal & Interest
$919
Property Taxesfrom listing
$255
Insurance
$142
HOA
$538

30-year fixed at 7.164%, as of November 10, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $1,854, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $3,062 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR803589211. HomeJam is not the listing broker.

List Price

$169,900

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