4728 BEACH UNIT C, ST PETERSBURG, FL, 33705
Active0 days on marketListed Aug 19, 2026MLS #TB8539336
About this home
4728 BEACH UNIT C
Beautifully updated 1-bedroom, 1-bath, Second floor waterfront condo offering stunning canal views all the way to Tampa Bay. OWNER FINANCING ONLY — no conventional, FHA, or VA financing accepted.This turn-key unit features brand-new windows, an updated kitchen with cooking island,granite counters, solid wood cabinetry, stainless steel appliances, and an in-unit laundry closet. The remodeled bathroom includes a modern countertop, linen closet and a spacious walk-in shower. The bedroom has plenty of space and has a large built in closet for all your storage needs. Enjoy outdoor living on the private balcony with breathtaking sunrise views over Tampa Bay. Located in Waterside South, a gated, pet-friendly community with 24-hour security, residents enjoy resort-style amenities including two heated pools, hot tub, fitness center, EV charging stations, tennis, pickleball, basketball, volleyball, a large fishing dock, and a private clubhouse with bar. Situated on over 88 acres in St. Petersburg, just minutes from downtown’s museums, dining, and world-famous beaches. Move-in ready and perfectly positioned for waterfront living. (This unit is offered as a OWNER FINANCED ONLY all details available upon request-So Don't miss your chance to own your own piece of property in this Boaters Community right on Tampa Bay!)
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
646
Sqft
88 ac
Lot size
1978
Year built
One
Levels
$356
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 and the real association fee — not generic estimates.
$2,651 /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
$2,651/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
+5.9%
Days on market
0 vs 58 typical
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 Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
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
Jean Sainfroy
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4728 BEACH UNIT C — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4728 BEACH UNIT C — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jean's phone and CRM.
Straight answers
4728 BEACH UNIT C FAQs
What would the monthly payment be for 4728 BEACH UNIT C?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,651/mo — principal and interest, the actual property-tax bill, the $715/mo association fee 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.
How much are the HOA fees at 4728 BEACH UNIT C?+
The association fee works out to $715 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4728 BEACH UNIT C?+
The most recent tax bill on record (2025) was $3,843. 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 4728 BEACH UNIT C?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $230,000, this home is listed about 47% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4728 BEACH UNIT C?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST PETERSBURG 33705 market on paper
$230,000 is 21% below the ST PETERSBURG 33705 median of $291,000, and at $356/sqft it sits under the St Petersburg average of $378.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $715/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Listed today in a St Petersburg market that averages 58 — if it fits, move quickly.
Listing courtesy of NEXTHOME LUXE COASTAL · Patricia Hughes. MLS #TB8539336.
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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