David Ramirez
$15,0004 bd4.5 ba4,464 sqft$3 /sqft$269 /mo all-in ↓

107 12TH STREET, BELLEAIR BEACH, FL, 33786

Active304 days on marketListed Oct 5, 2025MLS #TB8431760

Priced 98% below the BELLEAIR BEACH 33786 medianPrivate poolFully furnishedSingle Family ResidenceWINSTON ESTATES

About this home

107 12TH STREET

Experience a turn-key coastal retreat where design, craftsmanship, and comfort converge. Resting confidently on a rare double lot, this exceptional residence embodies the art of refined living. Boasting 4 bedrooms + bonus room, 4 ½ baths and a remarkable 14-car garage, this full block, two story construction home is just a few steps away from an exclusive residential access point to the pristine sands of Belleair Beach! Meticulously designed and exquisitely finished, this single-level, three-split floor plan harmonizes private spaces with expansive, flowing interiors. Every detail is intentional, creating a sense of subtle opulence that invites you to slow down and savor. High contoured ceilings and oversized, hurricane-rated windows and doors bathe the home in natural light, accentuated by custom window treatments and intimate views of the Gulf and Intracoastal Waterway. European Oak hardwood floors extend gracefully through the home, elevating each room with warmth and character. The primary suite awaits behind stately double doors, enveloped in tranquility. Custom his and hers closets offer finely tailored storage, while the vast on-suite bath features a spa-inspired dual rainshower, pedestal soaking tub, private water closet, and dual vanity appointed with marble counters and Kallista fixtures. The second master suite and two additional guest quarters are elegantly distinguished and adorned with high-end finishes. The expansive bonus room provides flexible accommodation, ideal for an executive home office, media lounge or art studio. The heart of this home is a spacious, open-concept kitchen designed for entertaining. At its center, an expansive island set within a rich palette of custom cabinetry and tailored storage solutions, enhancing both form and function. State-of-the-art appliances – including Miele, Gaggenau and Viking – as well as sophisticated seating throughout, elevate the culinary experience. Indoor outdoor living is achieved with seamless access to multiple covered balconies, perfect for al fresco gatherings. Escape to your private oasis, where a stunning saltwater pool and spa await, surrounded by lush tropical landscaping, plentiful green space and a covered patio designed for outdoor living. Resort-style furnishings invite you to lounge, entertain, or simply unwind, creating the perfect backdrop for memorable weekends with family and friends, just steps from the beach. A fully modernized infrastructure, including Tesla solar power, allows for effortless living, with integrated smart home automations providing intuitive control over lighting, security, climate and connectivity. A private elevator connects both levels, ensuring comfort and accessibility. The fully air-controlled garage provides rare flexibility for collectors, automobile enthusiasts, or those seeking additional storage. Centrally located, this community is just a short drive to Tampa International & St. Pete/Clearwater Airport and provides access to a wealth of amenities, including award-winning beaches, boating, prestigious golf courses, fine dining, shopping, and world-class medical facilities. Pet-friendly and fully furnished, this unparalleled opportunity is available for annual or seasonal lease; three-month minimum term required.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

4,464

Sqft

0.35 ac

Lot size

14

Garage

2022

Year built

Two

Levels

$3

Per sqft

Private poolPool & Water viewFurnished

Inside

FlooringEngineered Hardwood · Marble
AppliancesBuilt-In Oven · Convection Oven · Dishwasher · Disposal · Dryer · Range · Range Hood · Refrigerator · Washer · Water Filtration System · Water Softener · Wine Refrigerator
InteriorAccessibility Features · Built-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Solar
FurnishedFurnished

Outside & construction

ViewPool · Water
ParkingCircular Driveway · Garage Door Opener · Ground Level · Guest · On Street · Oversized
ExteriorBalcony · Garden · Irrigation System · Lighting · Outdoor Grill · Private Mailbox · Rain Gutters · Sliding Doors · Sprinkler Metered

Community & fees

PetsBreed Restrictions, Cats OK, Dogs OK, Pet Deposit
CommunityCommunity Boat Ramp · Fishing · Intracoastal Waterway · Public Boat Ramp · Water Access · Golf Carts OK · Irrigation-Reclaimed Water · Park · Playground · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Sprinkler Meter · Sprinkler Recycled · Street Lights · Water Connected

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$269 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$88
FHA mortgage insurance (est.)$7
Est. property taxes (1.1%/yr)$14
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $525Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $525
Interest rate6.00%
Loan term

Estimated payment

$269/mo

Principal & interest$88
FHA mortgage insurance (est.)$7
Est. property taxes$14
Est. insurance$160

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

$3 vs $660

Days on market

304 vs 67 typical

Where $3/sqft sits among the 32 Belleair Beach actives

0 · this home
9
12
7
0
4
$3–258$258–512$512–767$767–1021$1021–1275$1275+

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

Map of 107 12TH STREET

Drive times from this address

Downtown Tampa40 min
Tampa Int’l Airport (TPA)40 min

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

ElementaryMildred Helms Elementary School★★★★
HighLargo High School★★★★★
MiddleLargo Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Belleair Beach market

Seller’s marketLeans buyer8.3 months of inventoryBuyer’s market

$705K$850K

Belleair Beach median sold, yr/yr

92.9%

Sale-to-list ratio (12 mo)

19 of 32

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 98% below the BELLEAIR BEACH 33786 median. See the full Belleair Beach market guide →

Paper trail

This home's history

Oct 5, 2025Listed at $15,000 · 304 days on market since
2022Built · WINSTON ESTATES

Reality check

What actually sold near 107 12TH STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

105 CAUSEWAY BOULEVARDSold · Nov ’25

$270,000

105 CAUSEWAY BOULEVARD · same community

3 bd · 2 ba · 1,552 sqft · $174/sqft · 222 DOM

1522 GULF BOULEVARDSold · Jun ’26

$4,500,000

1522 GULF BOULEVARD

4 bd · 4.5 ba · 4,728 sqft · $952/sqft · 430 DOM

413 BUTTONWOOD LANESold · Jun ’26

$4,800,000

413 BUTTONWOOD LANE

5 bd · 5.5 ba · 3,939 sqft · $1,219/sqft · 12 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 107 12TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 107 12TH STREET — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

107 12TH STREET FAQs

What would the monthly payment be for 107 12TH STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $269/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 107 12TH STREET?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Pet Deposit. 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 $15,000, this home is listed about 99% 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 107 12TH STREET?+

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

Four things that matter here

01Under the BELLEAIR BEACH 33786 market on paper

$15,000 is 98% below the BELLEAIR BEACH 33786 median of $779,900, and at $3/sqft it sits under the Belleair Beach average of $757.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

304 days on market against a Belleair Beach median of 67 — 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.

Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Olivia Prince. MLS #TB8431760.

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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