191 BANYAN BAY DRIVE, St. Petersburg, FL, 33705 | $775,000

Beautiful luxury townhome (almost 2200 sqft) in the exclusive, gated, waterfront community of Banyan Bay, a Planned Unit Development, not a Condo. NO FLOODING FROM THE HURRICANES IN ANY OF THE HOMES. . . EVER!. THE HOA PROVIDES FLOOD COVERAGE ANYWAY.

This home has it ALL…If you are looking for a completely renovated, fully move-in-ready SMART home in a zero-maintenance community, then this home is for YOU! This 4-bedroom, 3-bath home features an oversized 2-car garage and is an end unit. The ENTIRE house is Wi-Fi-controllable from the ADT alarm. This amazing home features an automatic standby 24kw Generac Generator (with extended warranty) for those power outages. The home features a whole-house water softener and separate carbon filter system with an RO system at the sink, all by Culligan. Oversized dual-zone 2-ton Carrier high-efficiency ACs that are controlled by Nest. Lutron lights (throughout), Cortec Premium flooring, and epoxy garage floor.

The chef's kitchen features solid wood cabinets, undercabinet lights, GE Café appliances, a custom walk-in pantry by Closets by Design, Cambria countertops, plus a Kohler sink and hardware. The downstairs powder room has Kohler fixtures, Cambria countertops, and Panasonic Whisper fans in all baths. The laundry room has marble countertops, custom cabinets, and top-of-the-line GE smart appliances. There are TWO built-in GE Café beverage centers, one by the bar (wine) and the other in the utility closet (beverage).

A split floor plan with large bonus rooms located at the top of the stairs. 8-foot doors, crown molding, up-sale blinds, ceiling fans, 9-foot ceilings downstairs, and tray and vaulted ceilings upstairs. No expense was spared in the renovation by the homeowners. En-suite bath in Primary suite has Marble counters, custom closet, Kohler fixtures, frameless glass shower, and a soaking tub with waterfall. Same counters and fixtures as the Primary bath are in the other two baths. An extended covered patio and balcony make it easy to enjoy the Florida outdoors. Windows and doors on three sides of the unit allow for ample natural light and are hurricane-rated, providing quiet security.

A pet-friendly community with lots of green space, a heated pool, a fishing pier, and kayak racks. A day-use boat slip is available on sailboat water. Deeded slips may be leased from owners. HOA fees include insurance, reserves, water, trash, cable, internet, landscaping, pool, dock, gate, road, and more. Almost everything but electricity is included. Bike distance to trendy downtown St Pete and the beaches. 25-minute drive to the Tampa or St Pete airports. Minutes by boat take you out of Tampa Bay into the Gulf, over to Tampa, or up the bay to the incredible new St Pete Pier and downtown. Florida living at its best. Priced to sell. Call the listing agent today for a private showing. Furniture negotiable. Equal Opportunity Housing

Features

  • Amenities: Cable TV, Gated, Maintenance, Pool, Spa/Hot Tub, Vehicle Restrictions
  • Rooms: 4
  • Bedrooms: 4
  • Baths: 2 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Mediterranean
  • Year Built: 2004
  • Garage: 2-car Driveway, Garage Door Opener, Ground Level, Oversized
  • Heating: Central, Electric, Heat Pump, Zoned
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 2,230
  • Acreage: 0.04
  • Est. Taxes: $7,317
  • HOA Fee: $1,056 Monthly
  • Lot Desc: Conservation Area, Cul-De-Sac, City Lot, Landscaped, Near Marina, Private, Sidewalk, Street Dead-End
  • View: Trees/Woods
  • Pool: Deck, Gunite, Heated, In Ground, Lighting, Outside Bath Access
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Yes
  • Appliances: Bar Fridge, Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Range Hood, Refrigerator, Washer, Water Filtration System, Water Softener, Whole House R.O. System, Wine Refrigerator
  • MLS#: TB8389966
  • Days on Market: 201 days
  • Website: https://www.raveis.com
    /prop/TB8389966/191banyanbaydrive_stpetersburg_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/19/2026 6:33:04 PM)
Listing courtesy of FLORIDA REALTY INVESTMENTS   Phone: 407-207-2220

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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191 BANYAN BAY DRIVE, St. Petersburg, FL, 33705

$775,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $620,000 $620,000 $620,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.304% 5.648%
Monthly Tax Payment $610 $610 $610
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,668 $3,767 $5,025
Total Monthly Payment $4,370 $4,469 $5,727

* 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.