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List Price

$150,000

4895 Bay Unit 109, St Petersburg, FL 33703

36 days on market

Estimated Payment

$992/mo

20% down and current market rates

Bedrooms2 bdBathrooms2 baLiving area1,035 Square FeetYear builtBuilt 1973

Listed by

Heather Breckenridge

REALTY EXPERTS

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Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Make your offer
  • Bring your agent
  • Close in one place

TOTALLY & BEAUTIFULLY UPDATED 2 BEDROOM 2 BATH 1st floor corner unit, nestled in the center interior of the well-built, quiet & clean, super conveniently located, 55+ complex of Winston Park Northeast! This lovely, updated condo overlooks the beautifully manicured, well-maintained courtyard Some of the larger ticket updates include: updated kitchen & all appliances, both baths remodeled, storm windows & sliders, plantation shutters, new hot water heater, beautiful vinyl plank flooring and all updates were completed in 2025/2026. The unit also comes with a covered, VERY convenient parking spot (right at the units doorstep). Cable, WiFi, water and trash are ALL included in the affordable monthly maintenance fees. Amenities include Shuffleboard, a heated pool with a community grilling area, a clubhouse bustling with social activities, and laundry rooms on every corner and on every floor. The complex sits directly off of the Pinellas Trail and is only minutes from downtown; whether you're walking, biking, or driving, there are plenty of museums, great restaurants, and the Tampa Bay Rays baseball stadium close by! The Northeast shopping center is also located just around the corner and includes a Whole Foods, Publix, Crunch gym and CVS. Make sure to make an appointment to see this condo as soon as you're ready to retire in STYLE & AFFORDABILITY!!

4895 Bay Unit 109, St Petersburg, FL 33703 in St Petersburg, FL 33703 is listed for $150,000. The home has 2 bedrooms, 2 bathrooms, and 1,035 square feet, and was built in 1973. Listed 36 days ago. The listing is held by REALTY EXPERTS.

33703 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$659 (tax year 2025)

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): $30,000

$

$992/moest.

  • Principal & Interest 82%
  • Property Taxes 6%
  • Insurance 13%
Principal & Interest
$812
Property Taxesfrom listing
$55
Insurance
$125

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 $992, 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 $659 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# MFR813690188. HomeJam is not the listing broker.

List Price

$150,000

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