
131 BLUFF VIEW DRIVE UNIT 109, BELLEAIR BLUFFS, FL, 33770
Active318 days on marketListed Sep 19, 2025MLS #TB8427836
About this home
131 BLUFF VIEW DRIVE UNIT 109
Welcome to Port Belleair Residence #109 in Building 4—an inviting first-floor condo thoughtfully remodeled for style, comfort, and convenience in one of Belleair’s most enduring 55+ mid-rise building. Inside, the freshly renovated white kitchen (August 2025) takes center stage with its tray ceiling accented by crown molding and a ceiling fan, recessed lighting, subway tile backsplash, stainless steel appliances, and a deep farmhouse-style sink with touchless faucet. The kitchen was opened to provide extra space and a seamless opening into the living area. A bright dining space with chair rail and wainscoting connects it to the living room. Throughout the home, luxury vinyl flooring and freshly painted neutral tones of white and gray create a crisp, modern backdrop, enhanced by double crown molding and wide baseboards in every room. In addition to the remodel, green-tinted impact windows were installed in 2022 everywhere except the sunroom. Both bedrooms sit at opposite ends of the condo, each with an en-suite bath and walk-in closet for privacy. The primary suite includes a newly expanded shower, updated vanity, lighting, mirrors, and a new ceiling fan, plus private access to the sunroom. The guest suite has also been upgraded with a refreshed bathroom. The sunroom, framed by white entry doorway and sliders, can be closed for a cozy retreat or opened to welcome in breeze during cooler Florida days. Additional storage is plentiful with a foyer closet, exterior utility closet, and a larger corridor closet. Thoughtful details continue with the Comfortmaker A/C (serviced yearly by Carr A/C) and water heater both located in the outside utility closet to keep things quiet indoors. The first-floor condos have easy access to the courtyards, community grills, and the recently resurfaced geothermal heated pool, all connected by sidewalks that lead directly to local favorites—restaurants, coffee and wine bars, sandwich shops, breakfast cafés, and ice cream parlors. Hop on your bicycle and travel across the Belleair Causeway to the Gulf Beaches that are just minutes away, yet the building sits safely 40 feet above sea level—no flood insurance worries. Community conveniences include two bike storage rooms, grocery and luggage carts, a trash chute and free laundry on the same floor, and assigned under-building parking space #109. The clubhouse, featuring a kitchen, pool table, and picnic tables, is the perfect spot to gather with friends and neighbors. This community enjoys regular activities including mahjong, card games, Monday night pool, fish fries, birthday lunches, and group shopping trips. Built of concrete, U.S. Steel, and metal studs, Each building is governed by its own association. The four buildings are under the umbrella of the Port Belleair Association, Inc, and share the community pool and clubhouse; however, there is only one monthly fee of $691.64 that covers all utilities except electric. Building 4 passed its structural inspection, adding peace of mind to its many lifestyle perks. There are no extra land lease or community development fees. Port Belleair #109 is more than a condo—it’s a ready-to-enjoy coastal lifestyle in the charming bluffs of Belleair.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,300
Sqft
1 ac
Lot size
1971
Year built
One
Levels
$212
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.
$2,045 /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
$2,045/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
+15.2%
$/sqft vs Belleair Bluffs actives
$212 vs $263
Days on market
318 vs 75 typical
Where $212/sqft sits among the 23 Belleair Bluffs 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 Port Belleair
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Belleair Bluffs. See the full Belleair Bluffs guide →
Port Belleair — neighborhood snapshot
Population
294
Median age
63
Median income
$57,150
Median home value
$409,300
Avg household
2
Households w/ children
14%
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 Bluffs market
$230K → $420K
Belleair Bluffs median sold, yr/yr
92.6%
Sale-to-list ratio (12 mo)
16 of 23
Belleair Bluffs actives have cut their price
Median sold price, Belleair Bluffs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the BELLEAIR BLUFFS 33770 median. See the full Belleair Bluffs market guide →
Paper trail
This home's history
Reality check
What actually sold near 131 BLUFF VIEW DRIVE UNIT 109
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$168,000
131 BLUFF VIEW DRIVE UNIT 101 · same community
2 bd · 2 ba · 1,300 sqft · $129/sqft · 334 DOM
Sold · Mar ’26$199,000
131 BLUFF VIEW DRIVE UNIT 104 · same community
2 bd · 2 ba · 1,300 sqft · $153/sqft · 98 DOM
Sold · Aug ’25$234,000
131 BLUFF VIEW DRIVE UNIT 208 · same community
2 bd · 2 ba · 1,300 sqft · $180/sqft · 140 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 131 BLUFF VIEW DRIVE UNIT 109 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 131 BLUFF VIEW DRIVE UNIT 109 — 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
131 BLUFF VIEW DRIVE UNIT 109 FAQs
What would the monthly payment be for 131 BLUFF VIEW DRIVE UNIT 109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,045/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 131 BLUFF VIEW DRIVE UNIT 109?+
The most recent tax bill on record (2024) was $1,730. 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 131 BLUFF VIEW DRIVE UNIT 109?+
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 Belleair Bluffs?+
At $275,000, this home is listed about 21% below the Belleair Bluffs median of $350,000. The market section on this page shows how the area is trending.
Which schools are assigned to 131 BLUFF VIEW DRIVE UNIT 109?+
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
01Positioned at the premium end
$275,000 runs 20% above the BELLEAIR BLUFFS 33770 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
318 days on market against a Belleair Bluffs median of 75 — 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 $315,000, now $275,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Julie Sartain. MLS #TB8427836.
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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