4500 E BAY DRIVE UNIT 132, CLEARWATER, FL, 33764
Active27 days on marketListed Jun 24, 2026MLS #TB8523005
About this home
4500 E BAY DRIVE UNIT 132
Welcome to Royal Pines Condominiums! This well-maintained 1-bedroom, 1-bath condominium offers approximately 739 square feet of comfortable living space in a convenient Clearwater location. Situated on the first floor, this unit features an open living and dining area, a spacious bedroom, and ample storage throughout. Enjoy a low-maintenance lifestyle with community amenities and easy access to shopping, dining, medical facilities, airports, and the area's beautiful Gulf beaches. Centrally located near US-19, East Bay Drive, and major commuter routes, making travel throughout Pinellas County simple and convenient. Whether you're looking for a primary residence, seasonal retreat, or investment opportunity, this affordable condo is a great value in the heart of Clearwater
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
739
Sqft
1 ac
Lot size
1972
Year built
One
Levels
$196
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.
$1,656 /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
$1,656/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
+11.3%
$/sqft vs Clearwater actives
$196 vs $218
Days on market
27 vs 47 typical
Where $196/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
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33764 — neighborhood snapshot
Population
27,365
Median age
50.8
Median income
$64,573
Median home value
$302,500
Avg household
2.15
Households w/ children
2,246
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 38% 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 132
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 · Sep ’25$45,000
1100 BELCHER ROAD S UNIT 202
2 bd · 1.5 ba · 720 sqft · $63/sqft · 123 DOM
Sold · May ’26$150,000
1100 BELCHER ROAD S UNIT 202
2 bd · 2 ba · 860 sqft · $174/sqft · 53 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 132 — 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 132 — 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 132 FAQs
What would the monthly payment be for 4500 E BAY DRIVE UNIT 132?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,656/mo — principal and interest, the actual property-tax bill, the $451/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 4500 E BAY DRIVE UNIT 132?+
The association fee works out to $451 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4500 E BAY DRIVE UNIT 132?+
The most recent tax bill on record (2025) was $1,531. 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 4500 E BAY DRIVE UNIT 132?+
The listing reports pets: 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 $145,000, this home is listed about 47% 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 132?+
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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA'S 1ST CHOICE RLTY LLC · Charles Delarosa. MLS #TB8523005.
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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