40 days on market (MLS) Single Family Residence ▼ Price cut: $5,100 (9/4)
$399,900
2-Bedroom Home in LEWIS ISLAND BAHAMA ISLES ADD

4185 Whiting Drive, St Petersburg, FL 33705

Single Family Residence in LEWIS ISLAND BAHAMA ISLES ADD, ST PETERSBURG · No CDD on record
LEWIS ISLAND BAHAMA ISLES ADD · St Petersburg, FL 33705 · Pinellas County
Listing data updated October 5, 2026 · refreshed hourly
2Bedrooms
2Bathrooms
1,024Sq Ft
1975Year Built
$391Per Sq Ft
1-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
25% above
$/sq ft vs community
$391 here vs $313 median sold (12 mo)
Buyer leverage
Balanced market
40 days on market
4.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~8 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 2 of 12
Price vs recent sales
Asking $400k tops 2 of the last 12 closed sales

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

Highlights

As of October 5, 2026, 4185 Whiting Drive in Lewis Island Bahama Isles Add, St Petersburg is listed at $399,900 (1,024 sq ft, about $391 per sq ft). That sits within a few percent of Lewis Island Bahama Isles Add's median closed sale of $410,000 over the last 12 months (22 recorded sales). Per square foot it is above the community's recent $313/sq ft by about 25%. It has been 40 days on market. Listing facts: built in 1975, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1975 · 51 yrs
  • 1,024 sq ft of living area
  • 1-car garage
  • Listed at $399,900 — recent neighborhood median sale price ~$410,000 (nearby sales; deemed reliable, not an appraisal)
  • 40 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Under contract-accepting backup offers. Price Adjustment Island living in the heart of Coquina Key! This beautifully remodeled, move-in-ready single-story home offers 2 bedrooms, 2 fully renovated bathrooms, a 1-car garage, and a spacious fully fenced backyard on a generously sized lot for the area.

Step inside to a bright, refreshed interior featuring modern luxury vinyl plank flooring throughout, fresh interior and exterior paint, new insulation, and a renovated laundry room. The beautifully updated kitchen features new 42-inch shaker-style cabinetry, quartz countertops, apron-front farmhouse sink, stainless steel appliances, double oven, modern hood vent, Lazy Susan storage, touchless kitchen faucet, subway tiled backsplash, and stylish contemporary finishes. The spacious primary suite offers a walk-in closet and remodeled en-suite bathroom featuring a modern wood-tone vanity, updated fixtures and lighting, tile flooring, and a beautifully tiled walk-in shower with glass enclosure and built-in niche, while a stylish barn door provides added privacy.

The generously sized secondary bedroom is located near the fully remodeled guest bathroom, featuring a double vanity, modern gold-tone faucets, an oversized new bathtub with glass enclosure, updated fixtures, and tile flooring. Extensive improvements provide added comfort and peace of mind, including upgraded 200-amp electrical panel, offering increased electrical capacity for modern living and potential high-demand additions such as an EV charger, hot tub, kiln, workshop equipment, or other specialty electrical needs new insulation, impact-rated windows and sliding glass doors (2025), an impact-rated shaker-style front entry door (2025), new garage door (2026), roof (2016), Trane HVAC system (2022), water heater (2026). Enjoy Florida's indoor-outdoor lifestyle from the oversized approximately 300-square-foot screened patio overlooking the large, fully fenced backyard, complete with a mature fruit-producing mango tree (delicious) with swing, banana trees, muscadine grapes, dragon fruit, pineapple, cassia tree, desert rose, iris, jasmine, cook pine, aloe, and three garden beds ready for the next owner.

The property has remained high and dry through recent hurricanes with no known history of flood damage. Located just off Beach Drive, you're a 10-minute walk from Coquina Key Park, offering pickleball and tennis courts, basketball, soccer, kayak launch, fishing docks, dog park/dog wash station, and other recreational amenities. You're also less than half a mile from Kahwa Coffee, while Downtown St.

Petersburg, Lassing Park, waterfront dining, and the vibrant restaurants, shops, entertainment, and arts scene of Central Avenue are just minutes away. This extensively updated home delivers the perfect combination of modern finishes, a large private yard, outdoor living, and the laid-back island lifestyle that makes Coquina Key such a special place to call home. Assumable flood insurance policy is available for $1,250/ year.

All 45 photos

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Description provided by ARK REALTY and reproduced from the MLS; not independently verified.

Listing courtesy of ARK REALTY · Listing agent: Gabe Galdos · 813-679-7717Provided 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.
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$399,900
Bed / bath2 / 2
Living area1,024 sq ft
Year built1975
Property typeSingle Family Residence
Garage1-car
MLS #TB8536604
Listing status40 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~8 ft
CountyPinellas
Area listings9 active · 2 under contract
Estimated first-year tax~$4,199/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$391
Estimated monthly payment$2,756
Insurance (illustrative)$2k–$4k/yr
Messtimate range$284,672 – $363,520
Comparable-sales median$410,000

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
Financing

Estimated monthly payment

$2,756/mo
  • Principal & interest $2,189/mo 79%
  • Taxes $350/mo 13%
  • Insurance $217/mo 8%

$2,756/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

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

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.)
~$4,199/yr

Estimate: a typical Pinellas effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$4k/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
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

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
~8 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Pinellas County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Pinellas County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveVery High

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · lewis island sec 4

Pricing & the lewis island sec 4 market

How this home is priced against recent nearby sales, and where lewis island sec 4 has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales4389 TROUT DRIVE4389 TROUT DRIVE: $278/sq ft$2784389 TROUT DRIVE4389 TROUT DRIVE: $278/sq ft$2784390 TROUT DRIVE4390 TROUT DRIVE: $341/sq ft$3414390 TROUT DRIVE4390 TROUT DRIVE: $341/sq ft$3414317 TROUT DRIVE4317 TROUT DRIVE: $355/sq ft$3554317 TROUT DRIVE4317 TROUT DRIVE: $355/sq ft$355This homeThis home: $391/sq ft$391Community median $313

Price vs. size in lewis island sec 4

Each dot is a closed sale since 2004 (317 total). This home is the gold marker.

$0$1.7M$3.4M4072,5994,791This home: $399,900, 1,024 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2012–2026. This home lists at $391/sq ft.

$30$186$3432012: $6020122013: $772014: $9120142015: $832016: $10720162017: $1272018: $14120182019: $1762021: $25320212022: $3032023: $28920232024: $3082025: $28020252026: $3132026

Median sale price by year

12-month median closed price, 2012–2026.

$18k$235k$452k2012: $60k20122013: $122k2014: $108k20142015: $110k2016: $127k20162017: $169k2018: $177k20182019: $168k2021: $332k20212022: $350k2023: $348k20232024: $390k2025: $368k20252026: $410k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 40 (normal).

844812013: 7020132014: 152015: 2820152016: 332017: 6820172018: 352019: 5520192022: 742023: 5520232024: 572025: 4120252026: 402026
Property timeline

This home’s history

  • 1975BuiltPer public record
  • Aug 14, 2026First seen on movewithmomentum.comObserved at $415,000
  • Aug 27, 2026Price cut$405,000 (-$10,000, -2.4%)
  • Sep 4, 2026Price cut$399,900 (-$5,100, -1.3%)
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.

Transparency

Price & listing history

Listed for $399,900Momentum Realty · on market 40 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

6 closed sales in LEWIS ISLAND BAHAMA ISLES ADD in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 6 sales: $410,000 ($313/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

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.

$284,672the mess$363,520

Stronger local evidence — 6 comparable closed sales in LEWIS ISLAND BAHAMA ISLES ADD, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $399,900 — 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 1975 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
  • 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:

  • This home: 40 days on market vs. a 38-day community median
  • 10 active listings competing, 3 under contract
  • ≈4.3 months of supply
  • 25 closed here in the last 12 months

For reference, this home is listed at $399,900 ($391/sq ft). The list price is the seller's asking price and is not derived from this range.

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: 1,024 sq ft × $278–$355/sq ft (interquartile band of 6 comparable closed sales in LEWIS ISLAND BAHAMA ISLES ADD, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 5, 2026.

Momentum Scores

Momentum Property Score

55/100
Strongest on: Flood safety (90), Pricing power (71)
0 limited50100 exceptional

55/100 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 area0
This home $391/sq ft vs the community 12-month median $313/sq ft.
Affordability54
List price $399,900 vs the community median $410,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~8 ft elevation. Verify the parcel with FEMA.
Insurance cost51
From FEMA Zone X and a 1975 build. Obtain a property-specific quote.
Market liquidity59
Community median 38 days on market, ~4.3 months of supply (12-month record).
Pricing power71
Recent sales closed at about 93.7% of original asking (~6.3% below). More room below asking generally favors buyers.
Market timing60
Momentum Market Heat is 40/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Balanced conditions around this listing. 4.3 months of supply in the surrounding market and 40 days on market for this home, against a 38-day area median.Days on market:this home 40Area median:  38 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. As of September 20, 2026.

🟡 Asking $391 per square foot, about 25% above the community’s $313 median. lewis island sec 4’s 12-month median sold price per square foot is $313. Median sold price per square foot is up 11.4% year over year. Confidence: High · 22 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

65% of homes in lewis island sec 4 are owner-occupied. An estimated 35% are non-owner-occupied, including 16% held in a company or trust and 7% 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), 350 homes matched. Community-level context.

Recent lewis island sec 4 sales closed near 93.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 9 active listings in lewis island sec 4, no CDD assessment.

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

Updated October 5, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by ARK REALTY · MLS # TB8536604

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Keep looking

Similar homes for sale near LEWIS ISLAND BAHAMA ISLES ADD

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.

Newest listings in LEWIS ISLAND BAHAMA ISLES ADD

  • 4420 Pompano Drive · $350,000 · 3 bd / 1.0 ba · listed October 3, 2026 (courtesy of CORCORAN DWELLINGS)
  • 4365 Trout Drive · $345,000 · 3 bd / 2.0 ba · listed September 25, 2026 (courtesy of FUTURE HOME REALTY INC)
  • 4440 Pompano Drive · $1,550,000 · 3 bd / 2.5 ba · listed September 23, 2026 (courtesy of PREMIER SOTHEBYS INTL REALTY)
  • 4359 Neptune Drive · $346,019 · 3 bd / 2.0 ba · listed September 12, 2026 (courtesy of MAINSTAY BROKERAGE LLC)
  • 4161 Bluefish Drive · $254,000 · 3 bd / 1.0 ba · listed September 10, 2026 (courtesy of COMPASS FLORIDA LLC)
  • 200 Lewis Boulevard · $465,000 · 4 bd / 2.0 ba · listed September 10, 2026 (courtesy of INTELLIGENCE CHOICE REALTY LLC)

Recently off market in LEWIS ISLAND BAHAMA ISLES ADD

Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings

In the area

Recent Lewis Island news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Jul 2026 · Infrastructure

St. Pete approves temporary downtown dock for Tampa Bay ferry

The St. Petersburg City Council approved a temporary ferry dock on Bayshore Boulevard near the Vinoy in downtown St. Petersburg under a three-year contract costing about 324,200 dollars. Hubbard's Marina will operate cross bay service between downtown St. Petersburg and the Tampa Convention Center, with two vessels running year round. Service is expected to begin in October or November.

Why it matters: Establishes a temporary downtown dock and cross bay ferry connection, adding a new transit option and waterfront infrastructure serving the downtown St. Petersburg market. The site is about 3 miles north of Lewis Island.

FOX 13 Tampa Bay

Jul 2026 · Development

St. Pete advances housing plan for nine vacant city lots

The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.

Why it matters: Advances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The project is about 3 miles north of Lewis Island, elsewhere in Pinellas County.

St Pete Catalyst

Jul 2026 · Development

Blake-Related team selected to redevelop 86-acre Historic Gas Plant District

St. Petersburg selected a bid led by Blake Investment Partners, with the Related Group as co-developer, to redevelop the 86-acre Historic Gas Plant District at the Tropicana Field site. The roughly 8.1 billion dollar mixed use plan calls for more than 3,600 income-restricted residential units, a 13-acre central park, and office, retail, hotel and civic space over an estimated 20-year buildout. The developers plan to purchase about 58 acres while the city retains roughly one third.

Why it matters: Adds a large mixed use district with thousands of new residential units, a central park, and office, retail, hotel and civic space to the downtown St. Petersburg market. Redevelopment of the Tropicana Field site reshapes the surrounding property landscape and expands housing supply. The project is about 3 miles northwest of Lewis Island, elsewhere in Pinellas County.

Florida YIMBY

Go deeper

More on LEWIS ISLAND BAHAMA ISLES ADD

Go deeper on LEWIS ISLAND BAHAMA ISLES ADD

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.

GRADEA
Lakewood Elementary-PNAssigned elementary school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Bay Point Middle-PNAssigned middle school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Lakewood High-PNAssigned high school · Pinellas County School District · Grade A (Florida DOE 2025-26)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 4185 Whiting Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1975 (51 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 1,024 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $4,199/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed hourly (last: October 5, 2026)
Comparable salesStellar MLS closed sales in LEWIS ISLAND BAHAMA ISLES ADD, last 18 months, as of September 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
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 Stellar MLS 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

How big is 4185 Whiting Drive and when was it built?

Per the listing record, 4185 Whiting Drive was built in 1975 and has 1,024 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 4185 Whiting Drive in?

4185 Whiting Drive is in Lewis Island Bahama Isles Add in St Petersburg, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 4185 Whiting Drive have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

Why might property taxes on 4185 Whiting Drive differ from the current owner's?

The estimate on this page (about $4,199 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 4185 Whiting Drive in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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.

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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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

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.