4500 E BAY DRIVE UNIT 138, CLEARWATER, FL, 33764
Active147 days on marketListed Feb 26, 2026MLS #TB8479686
About this home
4500 E BAY DRIVE UNIT 138
2 bedroom 2 bath 2nd floor furnished unit. Water, sewer, trash and basic cable included in rent. Surrounded by restaurants and shopping. 7 miles to Belleair public beach. 3 miles to Pinellas Trail for biking, walking and jogging. 5 miles to Clearwater/ St Pete Airport. 18 mules to Tampa International Airport. No pets.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
1.69 ac
Lot size
1972
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$170 /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
$170/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Clearwater actives
$1 vs $219
Days on market
147 vs 47 typical
Where $1/sqft sits among the 400 Clearwater 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 Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clearwater market
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
214 of 400
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the CLEARWATER 33764 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 4500 E BAY DRIVE UNIT 138
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$102,000
4500 E BAY DRIVE UNIT 106 · same community
1 bd · 1 ba · 739 sqft · $138/sqft · 45 DOM
Sold · Oct ’25$208,500
3004 CONIFER DRIVE
2 bd · 1.5 ba · 1,048 sqft · $199/sqft · 87 DOM
Sold · Mar ’26$229,000
2820 S PINES DRIVE UNIT 128
2 bd · 1.5 ba · 1,048 sqft · $219/sqft · 98 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4500 E BAY DRIVE UNIT 138 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4500 E BAY DRIVE UNIT 138 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
4500 E BAY DRIVE UNIT 138 FAQs
What would the monthly payment be for 4500 E BAY DRIVE UNIT 138?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $170/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4500 E BAY DRIVE UNIT 138?+
The listing reports pets: No. 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 Clearwater?+
At $1,350, this home is listed about 100% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4500 E BAY DRIVE UNIT 138?+
Oak Grove Middle School (middle), Plumb Elementary School (elementary), Clearwater High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the CLEARWATER 33764 market on paper
$1,350 is 99% below the CLEARWATER 33764 median of $230,000, and at $1/sqft it sits under the Clearwater average of $275.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
147 days on market against a Clearwater median of 47 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Oak Grove Middle School, Plumb Elementary School, Clearwater High School — Plumb Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,400, now $1,350 — a $50 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OCEAN LIFE REALTY INC · Eric Von Heal. MLS #TB8479686.
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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