Gulf & Bay
Homes for Sale in St. Petersburg, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 3 closed sales in Gulf & Bay Sub in St Petersburg, FL since 2022, the most recent in March 2024. Across St Petersburg as a whole, 3,719 homes closed in the last 12 months at a median of $435,000, 44 median days on market, with 1,078 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $8,430 ($7,620 with the full homestead exemption).
Gulf & Bay sits within St Petersburg in Pinellas County, and the current MLS picture here is thin on the kind of granular data we'd normally lean on — no price trend, no days-on-market pattern, no listing count worth citing. That in itself tells you something: this is a small, quiet corner of the market rather than a high-turnover subdivision with a steady read.
Without volume in the feed, we're not going to manufacture a price trend or a market temperature that isn't there. What we can say is that any pricing conversation here has to be built from a direct, current comp pull rather than a community-wide average, because the data set is too sparse to generalize from.
Nearby homes for sale
No active listings inside Gulf & Bay Sub right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Gulf & Bay is a St Petersburg community in Pinellas County with limited current MLS activity, which means it trades on individual listings and direct comps rather than a visible community-wide pattern.
Stellar MLS sales records identify 5 homes in Gulf & Bay that have changed hands since 2018, built between 1938 and 1963 (median 1945), with a median living area of about 1,154 sq ft and a typical 2-bedroom, 2-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Gulf & Bay is best for.
Best for
- A buyer with a specific address already in mind in Gulf & Bay, open to a direct comp analysis rather than a community trend report.
- A buyer comfortable making a decision based on individual property inspection and verification rather than aggregated market data.
- An investor or relocation buyer prioritizing the St Petersburg, Pinellas County location itself over a documented pricing pattern.
Probably not for
- A buyer who wants to compare this community's pricing trend against nearby subdivisions before deciding.
- A buyer relying on a documented amenities list to shape the offer or budget.
- A buyer who needs recent days-on-market history to time a competitive offer.
The market around Gulf & Bay
Gulf & Bay is too small for its own price trend, so here is the market around it.
In ZIP 33709, 232 homes are on the market and 20% are under contract — a steady corner of St Petersburg.
Across Pinellas County, 6,628 homes are active and 1,729 pending (21% under contract).
In ZIP 33709 (St Petersburg), 439 homes closed in the last 12 months at a median of $295K ($239/sq ft), down 8.3% year over year, with a median 36 days on market. Right now 130 active and 24 pending listings put supply at about 4.7 months — a balanced market. See the live ZIP 33709 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Gulf & Bay specifically. Momentum Research analysis of MLS records.
Gulf & Bay by the numbers
From county property records and closed MLS sales for the Gulf & Bay subdivision: 5 homes on record; built 1938–1963; typical size about 1,154 heated sq ft; 2 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2018 | 1 | $90,000 |
| 2020 | 1 | $79,500 |
| 2022 | 1 | $540,000 |
| 2023 | 1 | $403,000 |
| 2024 | 1 | $374,000 |
Newest recorded sale: $374,000 on 2024-03-15.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
The Gulf & Bay buying strategy.
If we were buying in Gulf & Bay today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Gulf & Bay.
A Market Too Quiet to Generalize
When a community shows this little in the active MLS feed, the right move is caution, not extrapolation. We're not going to tell you what a typical home here costs or how fast it moves, because the current snapshot simply doesn't support that claim with any confidence.
What we can tell you is that community amenities are not identified in the current MLS listings for Gulf & Bay. That doesn't necessarily mean none exist — it means the listing data we're working from doesn't surface them, and it's worth verifying directly against a specific property rather than assuming.
The location and the amenities are priced into every listing in Gulf & Bay. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with this little visible MLS history, generic market reports are close to useless. We pull direct comps, verify amenity and condition details property by property, and tell you plainly when the data supports a decision and when it doesn't.
Gulf & Bay in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Gulf & Bay buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Gulf & Bay sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Gulf & Bay, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Gulf & Bay home worth?
Get a no-obligation home value based on real comparable sales in Gulf & Bay, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Gulf & Bay on the map →
Should you buy in Gulf & Bay?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2022 (3 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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See how Gulf & Bay fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Gulf & Bay
Where is Gulf & Bay?
Gulf & Bay is a community in St Petersburg, Pinellas County, Florida, ZIP 33709.
How many homes are in Gulf & Bay?
County property records list 5 homes in Gulf & Bay, built between 1938 and 1963; the typical home is about 1,154 heated square feet.
What do homes in Gulf & Bay sell for?
Gulf & Bay has no MLS sales in the last 12 months. The most recent year with recorded sales on file is 2024 (1 sale, median $374,000). For context, ZIP 33709 has 232 homes on the market with 20% under contract.
Are there homes for sale in Gulf & Bay right now?
No active listings inside Gulf & Bay at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Gulf & Bay have an HOA or CDD?
No HOA is on record for Gulf & Bay in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Gulf & Bay with Momentum Realty’s local guides.