509 55TH AVENUE, ST PETE BEACH, FL, 33706
Active309 days on marketListed Sep 23, 2025MLS #TB8428390
About this home
509 55TH AVENUE
Experience exceptional waterfront living on Boca Ciega Bay in the highly regarded Brightwater Beach Estates neighborhood of St. Pete Beach. Beautifully renovated and offered fully furnished, this impressive 4-bedroom, 3-bath residence combines sophisticated coastal style, modern comfort, and effortless indoor-outdoor living. The bright, open-concept interior features hurricane-rated windows and doors, contemporary European-inspired finishes, multiple living and entertaining spaces, and a thoughtfully designed split-bedroom floor plan. The spacious primary suite is a private retreat, complete with peaceful bay-window views, a comfortable sitting area, and a spa-inspired en-suite bath featuring travertine tile, dual vanities, and a walk-in shower. At the heart of the home is a stunning custom chef’s kitchen designed for both everyday living and memorable gatherings. Highlights include high-end stainless steel appliances, sleek contemporary cabinetry, a wine cooler, warming drawer, walk-in pantry, and generous space for entertaining family and friends. French doors open to a private tropical waterfront oasis, where a large swimming pool, expansive covered patio, dry bar, outdoor refrigerator, and designer furnishings create the perfect setting for year-round relaxation and entertaining. Wide water views and spectacular sunsets provide a breathtaking backdrop to the relaxed Florida lifestyle. Boating enthusiasts will appreciate the brand-new dock completed in 2025 and the 10,000-pound boat lift, offering direct access to the Intracoastal Waterway and the Gulf of Mexico. From sunset cruises and waterfront dining to unforgettable days on the water, this location makes coastal living effortless. Additional improvements include a durable metal roof installed in 2019, 2025- 2 unit newer air-conditioning system, a spacious indoor laundry room, and abundant areas for gathering, relaxing, and entertaining. Located on a quiet, low-traffic street just minutes from the beach, local restaurants, and vibrant downtown St. Petersburg, this turnkey residence is perfectly suited as a primary home, luxury vacation retreat, or waterfront escape. Simply arrive, unpack, and begin enjoying the very best of St. Pete Beach living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,622
Sqft
0.23 ac
Lot size
2
Garage
1967
Year built
One
Levels
$782
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.
$14,139 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$14,139/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+35.1%
$/sqft vs St Pete Beach actives
$782 vs $509
Days on market
309 vs 85 typical
Where $782/sqft sits among the 184 St Pete 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 Brightwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Pete Beach. See the full St Pete Beach guide →
Brightwater — neighborhood snapshot
Population
283
Median age
64
Median income
$124,083
Median home value
$1,041,300
Avg household
2
Households w/ children
7%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Pete Beach market
$679K → $589K
St Pete Beach median sold, yr/yr
93.3%
Sale-to-list ratio (12 mo)
90 of 184
St Pete Beach actives have cut their price
Median sold price, St Pete Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 356% above the ST PETE BEACH 33706 median. See the full St Pete Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 509 55TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,600,000
239 PUNTA VISTA DRIVE
3 bd · 2.5 ba · 2,592 sqft · $617/sqft · 290 DOM
Sold · Apr ’26$1,179,000
315 40TH AVENUE
4 bd · 3 ba · 2,544 sqft · $463/sqft · 90 DOM
Sold · Feb ’26$1,365,000
5301 GULF BOULEVARD UNIT B508
3 bd · 2 ba · 2,460 sqft · $555/sqft · 0 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 509 55TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 509 55TH AVENUE — 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
509 55TH AVENUE FAQs
What would the monthly payment be for 509 55TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,139/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 509 55TH AVENUE?+
The most recent tax bill on record (2025) was $25,782. 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 509 55TH AVENUE?+
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 St Pete Beach?+
At $2,050,000, this home is listed about 242% above the St Pete Beach median of $599,000. The market section on this page shows how the area is trending.
Which schools are assigned to 509 55TH AVENUE?+
Boca Ciega High School (high), Azalea Elementary School (elementary), Azalea 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
$2,050,000 runs 356% above the ST PETE BEACH 33706 median — but at 2,622 sqft it's also nearly twice the size of the typical St Pete Beach listing.
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
309 days on market against a St Pete Beach median of 85 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Boca Ciega High School, Azalea Elementary School, Azalea Middle School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $2,250,000, now $2,050,000 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Giulia Nota. MLS #TB8428390.
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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