5265 E BAY DRIVE UNIT 410, CLEARWATER, FL, 33764
Active114 days on marketListed Apr 1, 2026MLS #TB8492734
About this home
5265 E BAY DRIVE UNIT 410
Virtually Staged. Welcome to Bay Oaks Condos! This first-floor end unit is all about easy living, with a great location and potential to make it your own. Situated in an ALL-ages, pet-friendly community, you’re just minutes from grocery stores, restaurants, and shopping—so daily errands are quick and convenient. Inside, the home features granite kitchen countertops, new carpet in both bedrooms, and updated interior window shutters that add both style and privacy. The primary bedroom features an en suite and a walk-in closet. Being an end unit also means more natural light and an open, spacious feel throughout. Out back, you’ll love the peaceful pond views from your patio—perfect for a quiet morning coffee or winding down in the evening. The community pool is just steps away, making it easy to enjoy a quick swim. Additional highlights include a brand-new AC (2025), a washer-and-dryer hookup for added convenience, covered carport parking, and a low monthly maintenance fee that helps keep ownership simple and affordable. Plus, the property is located in a no-flood zone for extra peace of mind. Whether you’re looking for a comfortable place to settle in or a space you can personalize over time, this condo offers a great mix of location, lifestyle, and opportunity.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
900
Sqft
1983
Year built
One
Levels
$183
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 — not generic estimates.
$1,415 /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
$1,415/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
−0.4%
$/sqft vs Clearwater actives
$183 vs $218
Days on market
114 vs 47 typical
Where $183/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 28% below the CLEARWATER 33764 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 5265 E BAY DRIVE UNIT 410
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$161,500
5265 E BAY DRIVE UNIT 622 · same community
2 bd · 2 ba · 900 sqft · $179/sqft · 45 DOM
Sold · Nov ’25$180,000
5265 E BAY DRIVE UNIT 313 · same community
2 bd · 2 ba · 900 sqft · $200/sqft · 84 DOM
Sold · Dec ’25$190,000
5265 E BAY DRIVE UNIT 310 · same community
2 bd · 2 ba · 900 sqft · $211/sqft · 25 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 5265 E BAY DRIVE UNIT 410 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5265 E BAY DRIVE UNIT 410 — 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
5265 E BAY DRIVE UNIT 410 FAQs
What would the monthly payment be for 5265 E BAY DRIVE UNIT 410?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,415/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 5265 E BAY DRIVE UNIT 410?+
The most recent tax bill on record (2025) was $2,527. 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 5265 E BAY DRIVE UNIT 410?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, Yes. 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 $165,000, this home is listed about 40% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5265 E BAY DRIVE UNIT 410?+
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
Four things that matter here
01Under the CLEARWATER 33764 market on paper
$165,000 is 28% below the CLEARWATER 33764 median of $230,000, and at $183/sqft it sits under the Clearwater average of $275.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
114 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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Michelle Byrd. MLS #TB8492734.
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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