185 BANYAN BAY DRIVE St Petersburg, FL $ 645,000
185 BANYAN BAY DRIVE
$ 645,000
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185 BANYAN BAY DRIVE

St Petersburg, FL, 33705
$ 645,000
Bedrooms3 Baths2.1 Sq 2,230

Monthly Estimate*

$ 4,073

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Townhouse for sale in St Petersburg, FL

for $645,000 with 3 bedrooms and 2 full baths, 1 half bath. This 2,230 square foot townhouse was built in 2004 on a lot size of 0.04.

Welcome to Banyan Bay a Gated 'WORRY-FREE LIVING' waterfront townhome community nestled just south of vibrant downtown St. Petersburg. Not affected by 2024 Hurricanes flooding. From the moment you enter through the elegant wrought-iron gates, you're greeted by beautifully manicured grounds and mature landscaping that exude tranquility and pride of ownership. AMAZING HOA that provides peace-of-mind and a townhome that “LIVES LIKE A SINGLE FAMILY HOME”! Banyan Bay residents enjoy access to a heated community pool, and a private dock with 12 deeded boat slips (opportunities to rent from individual owners or purchase), a community day slip, and kayak and paddle board storage. This thoughtfully updated 3-bedroom, 2.5-bath features Luxury finishes throughout such as Quartz countertops, Porcelain sinks in all bathrooms, Luxury vinyl plank flooring (LVT) throughout, all IMPACT-RATED windows, doors and Garage Door, for storm safety and energy efficiency. Downstairs open-concept living/dining layout offers flexible arrangement options, tall ceilings, tall windows with Hunter Douglas PLANTATION shutters, a guest 1/2 bath and indoor laundry room. The CUSTOM designed kitchen offers Café appliances, DOUBLE electric range with APP-CONTROLLED, sealed MARBLE countertops, porcelain APRON sink with OFFSET drain, ISLAND with power and storage, large PANTRY closet, above-cabinet and under-cabinet LED lighting, Hunter Douglass MOTORIZED window shade. Coat closet with ample storage under staircase could be used for holiday and seasonal decor. Hurricane impact slider, with a motorized shade, leads out to the rear SCREENED porch and open-air extended patio, with room for your own grill, and framed by a privacy hedge providing a relaxing atmosphere for entertaining. Upstairs Comfort & Style is evident in the LOFT with a custom built-in niche providing additional storage. The stunning primary suite features a high COFFERED ceiling, a custom designed California Closet system featuring wall-to-wall VALET cabinetry, integrated make-up niche with dimmable lighting, and French doors leading to a private BALCONY. Spacious guest bedrooms and vaulted ceilings extend throughout the upper level, creating a bright and open ambiance. Additional SMART-HOME FEATURES & modern utilities include APP-CONTROLLED LG washer & dryer, NEST smoke detectors, GE whole-home water FILTRATION system with remote shutoff, APP-CONTROLLED RHEEM water heater (2020), HVAC system (2019) with UV antimicrobial light, OVERSIZED 2-Car Garage with MyQ SMART GARAGE opener on HURRICANE-RATED door, EPOXY floor, overhead storage and EV CHARGER-READY hookup (240v / 60-amp breaker). The comprehensive HOA includes ALL Exterior PAINT of the home and community (Community painted 2Q 2024), ROOF repairs & maintenance, INSURANCE flood and structures (owner only needs “walls in” coverage), WATER, 500 gig INTERNET, Spectrum CABLE, Common area LANDSCAPING, Irrigation, maintenance of the DOCK, POOL, Pool AMENITIES, GATE and the Private ROAD maintenance. LARGE DOG Friendly! Banyan Bay offers a rare blend of privacy, smart-living, and waterfront amenities—this Townhome is NOT in a flood zone and unaffected by recent storms. Within minutes from the Gulf beaches, and everything St. Petersburg has to offer. This is not just a home—it’s a lifestyle. Come see it for yourself.

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Townhouse Active

Price

$ 645,000

Bedrooms

3

Full Bath

2

Half Bath

1

Property Type

Townhouse

Taxes

$ 6,002

Style

Mediterranean

Lot Size

0.04

Year Built

2004

Town/City

St Petersburg

County/Region

Pinellas

MLS | Web ID

TB8527162

Features
General
Sewer Public Sewer
Heating Central Electric
Cooling Central Air
Utilities Cable Available Public Street Lights
Roof Tile
Appliances Dishwasher Disposal Dryer Microwave Range Refrigerator Washer Water Filtration System Water Purifier
HOA Fee 1124.55
Garage Spaces 2
Association Fee Includes Cable TV Common Area Taxes Community Pool Escrow Reserves Fund Fidelity Bond Insurance Internet Maintenance Structure Maintenance Grounds Maintenance Repairs Pest Control Pool Maintenance Private Road Recreational Facilities Security Sewer Trash Water
Patio/Porch Features Patio Rear Porch Screened
Architectural Style Mediterranean
Security Features Closed Circuit Camera(s) Fire Sprinkler System Gated Community Security Gate Smoke Detector(s)
Construction Materials Block Concrete Wood Frame
Pets Allowed Yes
Year Built 2004
View Garden
Levels Two
Property Subtype Townhouse
Tax Year 2025
Ownership Fee Simple
Waterfront Features Bay/Harbor Front Waterfront
Community Features Bay/Harbor Front Boat Slip Dock Fishing Water Access Waterfront Association Recreation - Owned Community Mailbox Deed Restrictions Gated Community - No Guard Golf Carts OK Irrigation-Reclaimed Water Pool Sidewalks
Assoc Fee Paid Per Monthly
County Pinellas
New Construction false
Property Type Residential
Association Amenities Gated
Attached Garage true
Subdivision Name BANYAN BAY AT RUTLAND
Facing Direction East
Garage Y/N true
Green Indoor Air Quality HVAC UV/Elec. Filtration
Total Rooms 6
Full Baths 2
Status Active
Directions From I-275 take the 54th Ave S exit. Go east on 54th Avenue South to the end. On 4th Street South turn Left. The Gated entrance to Banyan Bay will be immediately on the Right hand side of the street.
City ST PETERSBURG
Body of Water LITTLE BAYOU TO TAMPA BAY
Association Name Resource Property Management Scott Fisher
Senior Community Y/N false
MLS Area 33705 - St Pete
Lot Size Units Square Feet
Lot Size Square Feet 1525
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Property Attached Y/N true
Land Lease Y/N false
Tax Annual Amount 6002.21
Home Warranty Y/N false
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Tenant
Tax Lot 46
Legal Description BANYAN BAY AT RUTLAND LOT 46
Water Access Type Bay/Harbor Bayou
Pet Size Limit Extra Large (101+ Lbs.)
Minimum Lease 1 Month
Water Access Y/N true
Monthly HOA Amount 1124.55
Additional Rooms Attic Inside Utility Loft
Water View Y/N false
Flood Zone Code X500
In Law Suite YN false
DockY/N true
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Interior
Interior Amenities Built-in Features Ceiling Fan(s) Coffered Ceiling(s) Eating Space In Kitchen High Ceilings Living Room/Dining Room Combo Open Floorplan PrimaryBedroom Upstairs Solid Surface Counters Solid Wood Cabinets Thermostat Tray Ceiling(s) Vaulted Ceiling(s) Walk-In Closet(s) Window Treatments
Flooring Carpet Laminate Tile
Furnished Y/N Partially
Air Conditioning Y/N true
Heating Y/N true
Window Features Blinds Drapes Insulated Windows Shades Shutters Storm Window(s) Window Treatments
Fireplace Y/N false
Half Baths 1
Laundry Features Inside Laundry Room
Total Bedrooms 3
Total Baths 3
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Exterior
Exterior Amenities Balcony Sidewalk Sliding Doors
Vegetation Mature Landscaping Trees/Landscaped
Fencing Masonry
Parking Features Electric Vehicle Charging Station(s) Garage Door Opener Oversized
Lot Features Cul-De-Sac City Lot Near Public Transit Sloped
Water Source Public
Lot Size Area 1525
Foundation Details Slab
Building Area Total 2230
Lot Size Acres 0.04
Road Surface Type Paved
Private Pool false
Waterfront Y/N false
Covered Spaces 2
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* Excluded Features
List By
Smith & Associates Real Estate

Broker

Affordability Calculator

$4,573
Per Month
89%
11%
0%
Monthly Principal & Interest
$4,073
Monthly Property Taxes
$500
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
7/9/2026$645,000 Listed Price

Map


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185 BANYAN BAY DRIVE, St Petersburg, FL, 33705 is a Townhouse for sale at $645,000 with 2,230 sqft and a lot size of 0.04. 185 BANYAN BAY DRIVE has 3 bedrooms, 2.1 baths, and was built in 2004. The property's zip code is 33705 which is in St Petersburg, FL