2 bedroom Condominium at 3795 41ST LANE #H, BERMUDA BAY BEACH CONDO, ST PETERSBURG — photo 1Front elevation
2 bedroom Condominium at 3795 41ST LANE #H, BERMUDA BAY BEACH CONDO, ST PETERSBURG — photo 2Living space
2 bedroom Condominium at 3795 41ST LANE #H, BERMUDA BAY BEACH CONDO, ST PETERSBURG — photo 3Kitchen
2 bedroom Condominium at 3795 41ST LANE #H, BERMUDA BAY BEACH CONDO, ST PETERSBURG — photo 4Owner's suite
2 bedroom Condominium at 3795 41ST LANE #H, BERMUDA BAY BEACH CONDO, ST PETERSBURG — photo 5Exterior / yardView all 44 photos →
New — 2 days on market Condominium
$179,873
2-Bedroom Condo in BERMUDA BAY BEACH CONDO

3795 41ST LANE #H, ST PETERSBURG, FL 33711

Condominium in BERMUDA BAY BEACH CONDO, ST PETERSBURG · No CDD
BERMUDA BAY BEACH CONDO · ST PETERSBURG, FL 33711 · Pinellas
Listing data updated July 25, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,050Sq Ft
1974Year Built
$171Per Sq Ft
No CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$171 here vs $171 median sold (12 mo)
Buyer leverage
Seller-leaning
2 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 1974 · 52 yrs
  • 1,050 sq ft of living area
  • New to market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 1974BuiltPer public record
  • Jul 10, 2026First trackedObserved at $179,873
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$1,216/mo
  • Principal & interest $911/mo 75%
  • Taxes $157/mo 13%
  • Insurance $98/mo 8%
  • HOA $50/mo 4%

$1,216/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

59/100
Strongest on: Flood safety (95), Renovation upside (60)
0 limited50100 exceptional

59/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area50
This home $171/sq ft vs the community 12-month median $171/sq ft.
Affordability50
List price $179,873 vs the community median $179,873. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost51
From FEMA Zone X and a 1974 build. Obtain a property-specific quote.
Renovation upside60
From a 1974 build and $171/sq ft vs the community median $171/sq ft. Not a condition assessment.
Buyer competition50
50% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $171 per square foot, about in line with the community’s $171 median. ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM’s 12-month median sold price per square foot is $171. Confidence: Low · 1 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

46% of homes in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM are owner-occupied. An estimated 54% are non-owner-occupied, including 20% held in a company or trust and 22% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 583 homes matched. Community-level context.

What’s unique here: one of only 5292 active listings in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated July 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Welcome to your slice of paradise in Bermuda Bay—where coastal vibes meet easy, everyday living. This nicely updated 2-bedroom, 2-bath second-floor condo offers 1,050 square feet of bright, open living space designed for both comfort and style. From the moment you walk in, you’ll notice the seamless flow of tile and wood-look flooring—durable, modern, and perfect for that laid-back Florida lifestyle (sand happens… this place can handle it).

The updated kitchen features contemporary finishes and plenty of workspace, making it as functional as it is inviting, while both bathrooms have been tastefully refreshed for a clean, move-in-ready feel. No projects, no stress—just bring your suitcase and your favorite beach chair. One of the standout features?

A brand-new screened-in lanai—your private spot for morning coffee, evening wine, or pretending you’re going to read a book while watching the palm trees sway instead. You’ll also love the convenience of a stacked, front-load washer and dryer right in the unit—because hauling laundry anywhere in Florida heat should be illegal. Located in the sought-after Bermuda Bay community, you’re surrounded by lush landscaping, waterfront access, and resort-style amenities that make every day feel like a getaway.

Whether you're looking for a full-time residence, seasonal escape, or investment opportunity, this is a value-packed property that checks all the boxes. Move-in ready, stylishly updated, and priced to make sense—this one won’t sit around waiting.

Description provided by RE/MAX REALTY UNLIMITED and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$179,873
Bed / bath2 / 2
Living area1,050 sq ft
Year built1974
Property typeCondominium
MLS #TB8497460
Listing statusNew — 2 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyPinellas
Area listings5292 active · 1411 under contract
Estimated first-year tax~$1,889/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$171
Estimated monthly payment$1,216
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$179,873

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of RE/MAX REALTY UNLIMITED · Listing agent: Tori Elvir · 727-280-9996Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$157,500the mess$201,600

Actual list price: $179,873 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 28% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 5171 active listings competing, 1343 under contract

For reference, this home is listed at $179,873 ($171/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,050 sq ft × $150–$192/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 25, 2026.

Keep looking

Similar homes for sale near BERMUDA BAY BEACH CONDO

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $179,873Momentum Realty · on market 2 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$1,889/yr

A rough first-year estimate only, applying a typical Pinellas rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in BERMUDA BAY BEACH CONDO

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the BERMUDA BAY BEACH CONDO neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$179,873

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$171

Canonical 12-month median $/sq ft. Reference only.

Go deeper on BERMUDA BAY BEACH CONDO

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

GRADEB
Fairmount Park Elementary-PNAssigned elementary school · Pinellas County School District · Grade B (Florida DOE 2025-26)
Thurgood Marshall Fund-PNAssigned middle school · Pinellas County School District
GRADEC
Gibbs High-PNAssigned high school · Pinellas County School District · Grade C (Florida DOE 2025-26)
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$824 – $1,199/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.0%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$418 – −$80At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 25, 2026)
Community market statsrealMLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 3795 41ST LANE #H in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.