3500 GULF BOULEVARD UNIT 409, BELLEAIR BEACH, FL, 33786
Active359 days on marketListed Aug 8, 2025MLS #TB8415446
About this home
3500 GULF BOULEVARD UNIT 409
Enjoy sweeping views of the Gulf of Mexico from this beautifully updated 2 bedroom, 2 bath end-unit condo, located on the 4th floor of a quiet beachfront community. This serene retreat has been tastefully renovated with a high-end kitchen featuring quartz countertops, custom cabinetry, a farmhouse sink, new appliances, and a built-in wine cooler. Hurricane-rated windows and doors offer peace of mind, while stylish decor and comfortable furnishings make this unit fully move-in ready. There are water views from every room, and the smart floorplan separates the two spacious bedrooms for added privacy — a rare find! Wake up to breathtaking sunrises over the Intracoastal from the east-facing bedroom, or enjoy stunning sunsets from your living room and balcony overlooking the Gulf. Step directly onto the sugar-white sands of Belleair Beach, relax at the heated beachfront pool, or sip your morning coffee while watching the dolphins swim by. This is true beachfront living with everything you need for full-time residency or an unforgettable seasonal getaway. The location can’t be beat — just minutes from top dining, shopping, and attractions, and only a short drive to Clearwater Beach or the iconic John’s Pass Village. Hop on the beach trolley and explore all the Gulf Coast has to offer! Additional Amenity Details: in-unit full size washer & dryer; beach necessities including towels, beach umbrella, beach cart, and wheeled cooler; assigned under-building parking space and available guest parking; Community Amenities include heated beachfront pool, clubhouse, fitness area, boardwalk with sunset deck, and lush tropical landscaping.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1978
Year built
One
Levels
$4
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.
$190 /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
$190/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 Belleair Beach actives
$4 vs $660
Days on market
359 vs 77 typical
Where $4/sqft sits among the 31 Belleair Beach 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 Belleair Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Belleair Beach. See the full Belleair Beach guide →
BELLEAIR BEACH 33786 — neighborhood snapshot
Population
1,564
Median age
57.8
Median income
$140,417
Median home value
$1,022,700
Avg household
2.26
Households w/ children
114
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Belleair Beach market
$1.1M → $925K
Belleair Beach median sold, yr/yr
92.9%
Sale-to-list ratio (12 mo)
19 of 31
Belleair Beach actives have cut their price
Median sold price, Belleair Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the BELLEAIR BEACH 33786 median. See the full Belleair Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3500 GULF BOULEVARD UNIT 409
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$705,000
3500 GULF BOULEVARD UNIT 402 · same community
2 bd · 2 ba · 1,050 sqft · $671/sqft · 15 DOM
Sold · Dec ’25$939,000
3500 GULF BOULEVARD UNIT 412 · same community
2 bd · 2 ba · 1,110 sqft · $846/sqft · 31 DOM
Sold · Sep ’25$500,000
3500 GULF BOULEVARD UNIT 204 · same community
1 bd · 1 ba · 840 sqft · $595/sqft · 10 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3500 GULF BOULEVARD UNIT 409 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3500 GULF BOULEVARD UNIT 409 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
3500 GULF BOULEVARD UNIT 409 FAQs
What would the monthly payment be for 3500 GULF BOULEVARD UNIT 409?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $190/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 3500 GULF BOULEVARD UNIT 409?+
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 Belleair Beach?+
At $4,200, this home is listed about 100% below the Belleair Beach median of $1,300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3500 GULF BOULEVARD UNIT 409?+
Mildred Helms Elementary School (elementary), Largo High School (high), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the BELLEAIR BEACH 33786 market on paper
$4,200 is 99% below the BELLEAIR BEACH 33786 median of $759,900, and at $4/sqft it sits under the Belleair Beach average of $755.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
359 days on market against a Belleair Beach median of 77 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Mildred Helms Elementary School, Largo High School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $4,500, now $4,200 — a $300 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Cherie Kelly. MLS #TB8415446.
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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