Bahia Del Mar IV is a seven-story, mid-rise condo association at 6287 Bahia Del Mar Circle on Isla del Sol, a private island connected to St. Petersburg and St. Pete Beach by the Pinellas Bayway (Homes.com and property listing records, 2025). The building was constructed in 1981 and faces Boca Ciega Bay, offering waterfront pool, spa, fitness center, bike and kayak storage, and a fishing pier to residents.
The association enforces a minimum rental term of 30 days, verified through multiple listing disclosures in 2025. That policy distinguishes Bahia Del Mar IV from the nightly and weekly vacation-rental buildings found elsewhere on Isla del Sol and keeps the community oriented toward owners and longer-term tenants. Confirm the current rental rules in the declaration of condominium during diligence, as association policies can be amended.
Under Florida law (SB 4-D, as amended by HB 913 in 2025), older condo associations must complete a milestone structural inspection and a Structural Integrity Reserve Study. Multiple listing disclosures for units in Bahia Del Mar IV state that both the milestone inspection and the SIRS were completed in 2024 and are available for review (listing records, 2025). The association also has a seawall replacement project underway in 2025. Verify the inspection reports, the SIRS findings, and the current reserve funding schedule with the HOA before closing.
The carrying cost picture for this building includes monthly HOA dues that historically cover water, sewer, trash, cable, internet, and exterior and common-area maintenance, with the master policy typically covering the building structure and common elements. The unit interior, personal property, and loss-of-use exposure fall on each owner's individual HO-6 policy. Flood zone and insurance exposure vary by building elevation and FEMA mapping, so run the FEMA lookup and get an insurance quote for the specific unit before you close.
