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HOA fee just REDUCED and includes EVERYTHING except electricity! Wow!! **Waterfront Condo in Bay Island – Ideal for Boaters and Outdoor Enthusiasts**
Welcome to Bay Island, a premier 55+ gated waterfront community in South Pasadena, Florida. This beautifully maintained one-bedroom, one-bath condo offers third-floor views of Boca Ciega Bay, where you can enjoy watching dolphins, manatees, and Florida's incredible bird life from your private balcony.
This residence features granite countertops, a glass tile backsplash, a breakfast bar, and an open living and dining area with luxury vinyl flooring throughout. The spacious bedroom includes two closets, and the unit is conveniently located just steps from the elevator. For added comfort and safety, the condo also includes electric hurricane shutters.
Bay Island is a boater’s paradise with a private marina offering slips available for purchase or lease, subject to availability. The community boasts a 1. 5-mile waterfront walking path, six swimming pools, two hot tubs, tennis and pickleball courts, shuffleboard courts, a waterfront clubhouse with billiards, card and game rooms, a library, and a fitness center. There are also barbecue areas and lush landscaped grounds perfect for relaxing outdoors.
Located just minutes from the Gulf beaches, downtown St. Petersburg, and the vibrant restaurants and shops along Central Avenue. The iconic St. Pete Pier is a short drive away, and both Tampa International and St. Pete–Clearwater airports are easily accessible.
The monthly HOA covers basic cable, internet, water, sewer, trash, exterior maintenance, common area flood insurance, landscaping, and 24-hour gated security. HOA FEE INCLUDES FLOOD/EXTERIOR INSURANCE
Whether you’re an active retiree or simply looking for a tranquil waterfront lifestyle with unbeatable amenities, this home offers the perfect blend of convenience, recreation, and relaxation! Don't miss this one!
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$244,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $195,920 | $195,920 | $195,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.322% | 6.144% | 5.415% |
| Monthly Tax Payment | $326 | $326 | $326 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,128 | $1,173 | $1,562 |
| Total Monthly Payment | $1,529 | $1,574 | $1,963 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.