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Under contract-accepting backup offers. Set on a 102x150 waterfront lot with pond views and no rear neighbors, this single-story Arthur Rutenberg home in Bayou Club Estates offers nearly 3, 800 square feet with 4 bedrooms, a private office, 3. 5 baths, and a 3-car garage. The layout is a split-bedroom floor plan designed for both privacy and everyday livability, with high ceilings and main living areas oriented toward the screened lanai, pool, and water views. Formal living and dining rooms overlook the outdoor space, while the family room features a gas fireplace and sliding glass doors that open to the lanai. At the center of the home, the kitchen includes a large island, breakfast bar, Corian countertops, cooktop, and extensive cabinet space, along with a breakfast area overlooking the pool. A butler’s pantry with a secondary refrigerator and an adjacent dry bar provide additional storage and functionality for entertaining. The primary suite enjoys its own wing of the home and offers direct access to the lanai, a large walk-in closet plus additional storage, and an en suite bath with dual vanities, a jetted tub, and separate shower. Bedrooms 2 and 3 share a hall bath, while bedroom 4 is located adjacent to the pool bath—ideal for guests or multi-generational living. The private office, set behind double doors, includes a wet bar with mini-fridge. Outdoor living is centered around a screened lanai with a heated pool and spa, paver decking, and a private pond view with no rear neighbors—creating a quiet, natural setting that’s increasingly difficult to find. Additional features include engineered hardwood flooring throughout, an oversized 3-car garage with a climate-controlled workspace, indoor laundry with utility sink, and irrigation on well water. Recent updates include dual-zone HVAC systems (2025) and a propane-fueled generator (2025) providing partial home backup. The property is located in a non-flood zone (X). Bayou Club Estates is a 24-hour guard-gated community known for its oak-lined streets, private roads, and preserved natural surroundings, with approximately 400 homes across more than 400 acres. The location offers convenient access to downtown St. Petersburg (approximately 20 minutes), Gulf beaches (15 minutes), and Tampa International Airport (30 minutes). Optional membership is available at the adjacent Bayou Club, featuring a Tom Fazio-designed golf course, tennis, pickleball, fitness center, clubhouse, and social amenities. This is a classic Rutenberg design with a strong floor plan, expansive indoor-outdoor living, and a private waterfront setting—well suited for buyers seeking space, flexibility, and long-term potential within a gated St. Petersburg area community.
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William Raveis Mortgage, LLC
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Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,000,000 | $1,000,000 | $1,000,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.132% | 6.259% | 6.183% |
| Monthly Tax Payment | $942 | $942 | $942 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,915 | $6,076 | $8,439 |
| Total Monthly Payment | $6,982 | $7,143 | $9,506 |
* 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.