Waterside at Coquina Key North in St. Petersburg

Waterside at
Coquina Key North Homes for Sale in St. Petersburg, FL

Gated waterfront condo community · St. Petersburg · ZIP 33705

A gated waterfront condo community on Coquina Key in St. Petersburg.

Gated waterfrontResort amenitiesMinutes to downtown
Live Market Pulse
50/100
Momentum
Buyer-Leaning Market (limited data)
This is a gated waterfront condo community; the condo fee, the reserves, the owner-occupancy and rental mix, and the flood and insurance picture decide value, so read the association financials for a specific unit.
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Unlock Off-Market Waterside at Coquina Key North

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseStellar MLS
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Median Price
0mo
Supply
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Avg DOM
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Seller Leverage
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Median $/Sqft
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1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Waterside at Coquina Key North is a gated waterfront condominium community on the northern tip of Coquina Key in St. Petersburg, so the read is an urban-waterfront-condo read: public sources describe condos with views of Big Bayou and Tampa Bay across a 55-acre complex with miles of waterfront walkways, a clubhouse, pool, tennis, and fitness, with access to the resort amenities at the South complex including a waterfront yacht club and heated pools. The monthly fee is substantial because it includes cable, internet, water, sewer, and trash. The unit finishes matter less than the association: the condo fee, the reserves, the owner-occupancy and rental mix, and the bayside flood and insurance picture drive value and financing. Your leverage is reading the financials and the rental mix before you buy."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Waterside at Coquina Key North is a gated waterfront condominium community in St. Petersburg, in the 33705 ZIP, on the northern tip of Coquina Key with views of Big Bayou and Tampa Bay. Public sources describe a 55-acre complex with over two miles of walkways along the canals, bayou, and bay.

The amenity package is a draw: public sources describe gated access, a clubhouse, a fitness center, a pool, and tennis courts, plus access to the resort-style amenities at the Waterside South complex, including a waterfront yacht club with a bar, a fishing pier, sports courts, and two heated pools. The monthly fee includes cable, internet, water, sewer, and trash, so it is higher than a typical condo fee but covers more.

The defining read is the association and the water. The condo fee, the reserves, the owner-occupancy and rental mix, and whether the building qualifies for your financing drive value and resale, while the bayside setting carries flood and windstorm exposure. Confirm the financials, the rental rules, and the flood and insurance picture for a specific unit.

For buyers who want gated, amenity-rich waterfront condo living minutes from downtown St. Pete and the beaches, Waterside at Coquina Key North is a distinctive option. The work is reading the condo fee, the reserves, the rental mix, and the flood picture honestly before you buy.

Best for

  • Buyers who want gated, amenity-rich waterfront condo living
  • Anyone drawn to walkways, a yacht club, and heated pools on the water
  • Buyers close to downtown St. Pete and the Gulf beaches
  • Buyers who will read the condo fee, reserves, and rental mix

Probably not for

  • Buyers who want a single-family home or a private yard
  • Anyone seeking the lowest possible monthly fee
  • Buyers who will not read the association financials and flood picture
  • Anyone needing a loan where the building does not qualify

How Waterside at Coquina Key North is performing right now

50/100
momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
57Median days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Waterside at Coquina Key North listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Waterside at Coquina Key North buys, holds, and resells. See the five factors.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

Waterside at Coquina Key North sits in St. Petersburg, with everyday shopping, major roads, and the wider Tampa Bay area within a reasonable drive.

Downtown St. Petersburg~5-8 min · waterfront, arts, dining
Coquina Key Park~1-2 min · adjacent waterfront park
I-275~5-8 min · regional connector
Gulf beaches (St. Pete Beach)~15-20 min · barrier-island beaches
Tampa (via the bridges)~30-40 min · cross-bay commute
Tampa International Airport (TPA)~30-40 min · via I-275

Distances and times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Waterside atCoquina Key North Homes for Sale in St with Momentum Realty’s local guides.

LILewis IslandSt. Petersburg, FL · 0.1 miCKCoquina KeyStSt. Petersburg, FL · 0.2 miCKCoquina KeyTownhomesSt. Petersburg, FL · 0.7 miSSSouth Shore Park Homes for Sale in StSt. Petersburg, FL · 0.7 miWaterside at Coquina Key SouthWaterside at Coquina Key SouthSt. Petersburg, FL · 0.9 miGVGrand View Terrace Homes for Sale in StSt. Petersburg, FL · 1.0 miLTLakewood Terrace Homes for Sale in StSt. Petersburg, FL · 1.2 miHAHarbordaleSt. Petersburg, FL · 1.3 miRORouslynnSt. Petersburg, FL · 1.3 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Waterside at Coquina Key North (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Pinellas County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Waterside at Coquina Key North is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Pinellas County Public Schools (verify by address)

Verifyrating
By address

Confirm zoned elementary, middle, and high

Verifyrating
Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Waterside at Coquina Key North address.

The takeaway

What is actually shaping value at Waterside at Coquina Key North: the gated waterfront amenities, the owner-occupancy and rental mix, Florida condo reserve rules, and the bayside flood and insurance picture. Each item is sourced and linked.

Recent Developments in Waterside at Coquina Key North

Our read on what is being built around Waterside at Coquina Key North, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe gated waterfront amenities support demand, while the defining watch items are the condo fee and reserves, the owner-occupancy and rental mix, and the bayside flood and insurance picture.

Gated waterfront amenities anchor demand

Ongoing
BullishMajor impact
SignificanceRadius: Community

A gated waterfront community with walkways, a yacht club, and heated pools minutes from downtown is a distinctive draw.

Owner-occupancy and rental mix shape financing

Ongoing
NeutralMajor impact
SignificanceRadius: Community

A waterfront condo with rentals can be harder to finance; confirm the owner-occupancy mix and any rental cap.

Bayside flood and insurance picture is the watch item

2024-2025
BearishMajor impact
SignificanceRadius: Community

The 2024 storms brought surge to low-lying St. Pete; read the elevation and flood and insurance picture for the buildings.

Condo reserves and fees drive the carrying cost

2025
NeutralNotable impact
SignificanceRadius: Community

Florida condo reserve rules are pushing fees statewide; read the budget and reserves for the association.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Waterside at Coquina Key North, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. September 2024
    Storm

    2024 storms bring surge to low-lying St. Petersburg

    Hurricanes Helene and Milton in 2024 drove record storm surge into low-lying waterfront areas of St. Petersburg, with impact varying by elevation and building. Why it matters: Read the elevation and flood and insurance picture for the specific buildings on the bayside complex. Source

  2. July 2025
    Policy

    Florida condo reserve rules tighten statewide

    Florida's condo-safety reforms, refined by HB 913 effective July 1, 2025, strengthened reserve and inspection requirements for condominium associations across the state. Why it matters: Read the association's budget and reserves; condo fees are under upward pressure statewide. Source

Development alerts for Waterside at Coquina Key NorthGet a short monthly email when something new is approved, funded, or opens near Waterside at Coquina Key North.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Waterside at Coquina Key North, this is the order of operations we would run, and the one we run for our clients.

1

Read the association financials first. Pull the budget, reserves, and any reserve study before you judge any unit.

2

Confirm the owner-occupancy and rental mix. Ask for the rental concentration and any cap, which affect financing and resale.

3

Read the flood and insurance picture. Pull elevation and the flood and windstorm coverage on the bayside buildings.

4

Verify lender approval. Confirm the building qualifies for your loan program, since waterfront condos with rentals can be harder to finance.

5

Compare St. Pete waterfront options, and cross-shop Shore Acres for a no-HOA waterfront alternative.

Best Buy
A well-kept unit in a sound association with a qualifying owner mix
Biggest Risk
High rental concentration or thin reserves on a bayside building
Best Lot
A higher-floor or better-positioned unit with a strong water view
Smart Timing
Confirm the reserves, the rental mix, the flood picture, and lender approval
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Waterside at Coquina Key North is a gated waterfront condominium community in St. Petersburg, in the 33705 ZIP, on the northern tip of Coquina Key with views of Big Bayou and Tampa Bay. Public sources describe a 55-acre complex with over two miles of waterfront walkways, a clubhouse, fitness center, pool, and tennis, plus access to the Waterside South amenities, including a waterfront yacht club with a bar, a fishing pier, sports courts, and two heated pools. The monthly fee includes cable, internet, water, sewer, and trash. The defining factors in value are the association and the water: the condo fee, the reserves, the owner-occupancy and rental mix, lender approval, and the bayside flood and insurance picture drive the real cost of ownership and resale.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry Condo

Original or lightly updated condos with community waterfront access, the entry into gated Coquina Key living, priced for updates.

Lowest entry
The Core Water View

Updated condos with bayou or canal views in a sound association, the heart of the resale market here.

Most inventory
The Premium Bay View

Renovated units with the best bay or bayou outlooks and position, the units that hold value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

The Entry Condo
Original or lightly updated condos with community waterfront access, the entry into gated Coquina Key living, priced for updates.
The Core Water View
Updated condos with bayou or canal views in a sound association, the heart of the resale market here.
The Premium Bay View
Renovated units with the best bay or bayou outlooks and position, the units that hold value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Location within St. PetersburgStrong
Established communityPositive
HOA and CDD postureConfirm per parcel
Home condition and systemsVerify per home
Flood read per lotVerify per address

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Waterside at Coquina Key North

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The water and the walkways sell the unit. The deal is won or lost on the condo fee, the reserves, the rental mix, and the flood read.

Jon Brooks · Founder, Momentum Realty
7.4B · Buy Score
Resale Strength7.2/10
Renovation Risk6.4/10
Location Efficiency8.2/10
Long-Term Defensibility6.8/10
Carrying Cost Advantage5.8/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Waterside at Coquina Key North is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take
  • The lot and the homesite are the scarce, durable asset here
  • A better-positioned lot holds value at resale
  • The homesite cannot be changed, the house can
  • Read the lot and the flood zone before the finishes
  • Condition and renovation level drive the number

In Waterside at Coquina Key North, the part of your money the market protects is the lot, the position, and the condition of the home. Read the lot, the homesite, and the flood zone first, then price the condition and the renovation level against it.

Waterside at Coquina Key North in 15 seconds.

Best forBuyers who want gated, amenity-rich waterfront condo living minutes from downtown St. Pete.
Biggest advantageA gated waterfront complex with walkways, a yacht club, and heated pools near downtown.
Biggest riskThe rental mix, reserves, and bayside flood and insurance on a waterfront condo.
Sweet spotA well-kept water-view unit in a sound association with a qualifying owner mix.
Avoid ifYou want a low-fee, inland home or no flood and association homework.

HOA, CDD & Fees

15-Second Take
  • Monthly condo fee, no CDD
  • Fee includes utilities and amenities
  • Read the budget and reserves
  • Confirm the owner-occupancy and rental mix
  • Read the bayside flood and insurance picture

A monthly condominium association fee applies and public sources describe it including cable, internet, water, sewer, and trash, so it is higher than a typical condo fee but covers more; there is no CDD. Florida condo reserve rules are pushing fees statewide, so confirm the fee, the reserves, and any assessment for the association.

Public sources describe the fee covering gated access, the waterfront amenities, and cable, internet, water, sewer, and trash; confirm exactly what is included and review the reserves.

Public sources describe a clubhouse, fitness center, pool, and tennis at the North complex, plus access to the South complex amenities, including a waterfront yacht club with a bar, a fishing pier, sports courts, and two heated pools with a sauna.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Waterside at Coquina Key North, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Shore Acres, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Waterside at Coquina Key North home worth?

Get a no-obligation home value based on real comparable sales in Waterside at Coquina Key North matched to your condition, lot, and view, 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 Waterside at Coquina Key North on the map →
Or get your Waterside at Coquina Key North home value & selling guide →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,026/mo
Pinellas County typical true cost to own
$159/mo
Pinellas County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

Waterside at Coquina Key North Market Scorecard

Thin data

Waterside at Coquina Key North is currently a thin data. Limited supply, a median asking price of n/a.

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Months supply
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Median list
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Median sold
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Per sqft
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Days on mkt
0/0/0
Active/Pend/Sold

Go deeper: true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Waterside at Coquina Key North?
It is a gated waterfront condominium community in St. Petersburg, in the 33705 ZIP, on the northern tip of Coquina Key with views of Big Bayou and Tampa Bay, minutes from downtown.
What does the monthly fee include?
Public sources describe the fee including cable, internet, water, sewer, and trash, plus gated access and the waterfront amenities, so it is higher than a typical condo fee but covers more. Confirm the current fee and reserves.
Is there a CDD at Waterside?
No. It is a condominium community with a monthly association fee rather than a CDD community. Confirm the fee and any assessment for the association.
What amenities are available?
Public sources describe a clubhouse, fitness center, pool, and tennis at the North complex, plus access to the South complex amenities, including a waterfront yacht club, a fishing pier, sports courts, and heated pools.
Can I rent out a unit here?
Rental rules vary and can change. Confirm any rental cap and the owner-occupancy mix, since a higher rental concentration affects financing and resale.
Is Waterside in a flood zone?
As a bayside waterfront community, it carries flood and windstorm exposure that varies by elevation and building. Pull the elevation and a flood and insurance read for the specific buildings before you offer.
Can I finance a condo here?
Waterfront condos with higher rental concentration can be harder to finance. Confirm the building qualifies for your loan program before you make an offer.
How far is Waterside from downtown and the beaches?
Downtown St. Petersburg is roughly five to eight minutes by car, and the Gulf beaches about fifteen to twenty minutes.
What kind of condos are here?
Public sources describe waterfront condos with views of Big Bayou and the bay, many with upgrades. Condition and views vary unit to unit.
What should I check before buying here?
Read the association budget and reserves, confirm the owner-occupancy and rental mix, read the flood and insurance picture, verify lender approval, and read the unit's view and position.
Did the 2024 hurricanes affect this area?
The 2024 storms brought surge to low-lying St. Petersburg, with impact varying by elevation and building. Confirm the elevation and flood history for the specific buildings.
Should I use the listing agent to buy here?
No. The listing agent works for the seller. In a waterfront condo where reserves, the rental mix, and the flood picture swing value, having your own representation is the highest-leverage decision you make.
Who is the best real estate agent for Waterside at Coquina Key North?
The best agent for Waterside at Coquina Key North is one who actively works St. Petersburg and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Waterside at Coquina Key North.
How do I find a top St. Petersburg real estate agent who knows Waterside at Coquina Key North?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Waterside at Coquina Key North and the wider St. Petersburg area.
Can Momentum Realty connect me with an agent for Waterside at Coquina Key North?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Waterside at Coquina Key North purchase or sale - no call center and no pressure.
Buyers who want gated, amenity-rich waterfront condo livingExcellent fit
Anyone drawn to walkways, a yacht club, and heated pools on the waterExcellent fit
Buyers close to downtown St. Pete and the Gulf beachesExcellent fit
Buyers who will read the condo fee, reserves, and rental mixExcellent fit
Buyers who will read the bayside flood and insurance pictureExcellent fit
Buyers who want a single-family home or a private yardProbably not
Anyone seeking the lowest possible monthly feeProbably not
Buyers who will not read the association financials and flood pictureProbably not
Anyone needing a loan where the building does not qualifyProbably not
Buyers who want a low-fee, low-density, inland homeProbably not

Get the inside read on Waterside at Coquina Key North

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Waterside at Coquina Key North home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Waterside at Coquina Key North specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Waterside at Coquina Key North — what to look for, questions to ask, and your local expert.
Stellar MLS logoMLS GRID logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX 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; deemed reliable but not guaranteed by MLS GRID.

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