3281 38TH WAY S UNIT C, ST PETERSBURG, FL, 33711
Active34 days on marketListed Jul 6, 2026MLS #TB8526250
About this home
3281 38TH WAY S UNIT C
Turnkey Modern Living with Unbeatable Trail & Water Access! Step into a completely transformed, open-concept oasis where modern luxury meets an unbeatable location. Almost everything in this stunning property is newer and ready for you to enjoy. The heart of the home is a chef-inspired kitchen boasting 42-inch custom cabinetry, elegant granite countertops with an expansive peninsula, and a dedicated butcher-block workstation perfect for a home office or meal prep. Upgraded stainless steel appliances include a built-in wine cooler and dual ventilation systems (overhead and pop-up cooktop exhausts). Just off the kitchen, the inviting living area centers around a sleek, stone-faced electric fireplace. Use the remote to cycle through 10 vibrant color settings and swap between contemporary crystals or traditional faux logs to set the perfect mood.High-end finishes span the entire layout, featuring newer flooring (porcelain tile, laminate, and luxury vinyl plank) framed by crisp 5.25-inch baseboards, updated 6-panel doors, and plantation-style closet entries. Retreat to the spacious primary suite, complete with a walk-in closet and a spa-like ensuite bathroom offering dual vanities and a relaxing rain/waterfall shower. The two additional bathrooms have been fully refreshed with contemporary vanities, mirrors, fixtures, and lighting. Unit has an attached one car garage with extra storage space in garage.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,180
Sqft
0.11 ac
Lot size
1
Garage
1974
Year built
Two
Levels
$191
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,627 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,627/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+16.3%
$/sqft vs St Petersburg actives
$191 vs $327
Days on market
34 vs 55 typical
Where $191/sqft sits among the 400 St Petersburg actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bayview
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Bayview — neighborhood snapshot
Population
3,892
Median age
52
Median income
$63,896
Median home value
$241,999
Avg household
2
Households w/ children
389
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
220 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% below the ST PETERSBURG 33711 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 3281 38TH WAY S UNIT C
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$202,000
3244 38TH WAY S UNIT B · same community
2 bd · 2.5 ba · 1,180 sqft · $171/sqft · 134 DOM
Sold · Aug ’25$153,000
3276 38TH WAY S UNIT D · same community
1 bd · 1 ba · 725 sqft · $211/sqft · 63 DOM
Sold · Dec ’25$175,000
4908 38TH WAY S UNIT 206
2 bd · 2 ba · 1,145 sqft · $153/sqft · 140 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3281 38TH WAY S UNIT C — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3281 38TH WAY S UNIT C — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3281 38TH WAY S UNIT C FAQs
What would the monthly payment be for 3281 38TH WAY S UNIT C?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,627/mo — principal and interest, the actual property-tax bill, the $868/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3281 38TH WAY S UNIT C?+
The association fee works out to $868 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3281 38TH WAY S UNIT C?+
The most recent tax bill on record (2025) was $2,100. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3281 38TH WAY S UNIT C?+
The listing reports pets: Cats OK, Dogs OK, Size Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Petersburg?+
At $225,000, this home is listed about 48% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3281 38TH WAY S UNIT C?+
Gulfport Montessori Elementary School (elementary), Lakewood High School (high), Azalea Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST PETERSBURG 33711 market on paper
$225,000 is 29% below the ST PETERSBURG 33711 median of $317,500, and at $191/sqft it sits under the St Petersburg average of $382.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $868/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Joseph Snyder, LLC. MLS #TB8526250.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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