Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

List Price

$995,000

4961 Bacopa Unit 201, St Petersburg, FL 33715

45 days on market

Estimated Payment

$7,018/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,867 Square FeetYear builtBuilt 1996

Listed by

Debi Eagan

KELLER WILLIAMS ST PETE REALTY

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

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Experience refined waterfront living in the exclusive, guard-gated community of Bacopa Bay, where sweeping views of Boca Ciega Bay set the stage for an extraordinary coastal lifestyle. Arrive by elevator to an open-air courtyard and gracious foyer that welcomes you to a meticulously renovated 3 bedroom residence with stunning updates. Wide-plank flooring flows throughout the spacious design, complemented by plantation shutters, contemporary chandeliers, and refined designer finishes, ideal for both everyday living and elegant entertaining. The chef kitchen is a true showpiece, featuring an abundance of storage and cabinetry for ease of prep and presentation. An adjacent dinette area is highlighted by an entertainment center and creates a natural gathering space with elevated style. Sun-filled living and dining areas are filled with an abundance of natural light and open to an expansive verandah, where magnificent wide-open bay views and coastal breezes provide the perfect backdrop. The owner’s retreat offers direct verandah access with tranquil water views. A beautifully appointed bathroom features a large walk-in shower enhanced with porcelain tile and an expansive quartz double vanity showcasing grohe designer fixtures. The two additional bedrooms are located on the south side of the residence and provide privacy for guests. The bathroom has been elegantly updated with beautiful porcelain tile and a granite counter top vanity. Additionally, this residence has a new HVAC and water heater (2026), new interior doors, hurricane shutter protection, Electric screens on Veranda and includes reserved garage parking. Bacopa Bay’s resort-style amenities include two pools, tennis courts, fitness center, clubhouse, lagoon with waterfall, and impeccably landscaped grounds. The community has recently completed major upgrades—including complete lobby updates, new roofs, elevators, landscaping, seawall replacement, and roadway improvements—and has passed Florida’s milestone engineering inspections. The community of Bacopa Bay has recently received FCCA’s highest rating – Gold, assuring strong financial security and operational excellence!

4961 Bacopa Unit 201, St Petersburg, FL 33715 in St Petersburg, FL 33715 is listed for $995,000. The home has 3 bedrooms, 2 bathrooms, and 1,867 square feet, and was built in 1996. Listed 45 days ago. The listing is held by KELLER WILLIAMS ST PETE REALTY.

33715 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$9,660 (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): $199,000

$

$7,018/moest.

  • Principal & Interest 77%
  • Property Taxes 11%
  • Insurance 12%
Principal & Interest
$5,384
Property Taxesfrom listing
$805
Insurance
$829

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 $7,018, 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 $9,660 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# MFR812033398. HomeJam is not the listing broker.

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