320 BELLE ISLE AVENUE, BELLEAIR BEACH, FL, 33786
Active289 days on marketListed Oct 23, 2025MLS #TB8440328
About this home
320 BELLE ISLE AVENUE
New Price! Exceptional Value in Belleair Beach!! Welcome to 320 Belle Isle Avenue, a rare opportunity in the heart of one of Floridas most sought after beachfront communities, a place where location, luxury and comfort combine. Perfectly positioned with direct water access and close proximity to the Gulf, this beautifully updated residence guarantees the very best that Florida waterfront living has to offer. This elevated home (9.9 ft above sea level) had no interior flooding during any hurricanes, providing added peace of mind in a premium location. As an added benefit, qualified buyers may have the opportunity to assume the seller's VA loan, subject to lender approval and VA loan assumption requirements. Contact listing agent for details regarding current loan terms. Thoughtfully enhanced between 2022 and 2025, nearly every aspect of the home has been elevated with designer selected finishes and premium improvements. Inside, an open concept floor plan filled with natural light showcases the high end finishes and creates a seamless indoor outdoor living space. The luxurious primary suite boasts a spa-inspired bath with wet room, commercial grade steam shower and a custom walk-in closet. All bathrooms have been fully remodeled, including a stylish pool bath and a third full bathroom was added for enhanced convenience. The kitchen features new Kitchen Aid appliances and an oversized peninsula island, perfect for entertaining. HVAC ductwork, furnace and AC were all replaced. New flooring, paint and lighting throughout complete the fully updated interior. All interior upgrades completed in 2022. Outside, the waterfront backyard is equally impressive, perfect for relaxing, hosting or spending a day in the sun. Outdoor living areas shine with a resurfaced pool, new paver pool deck, upgraded outdoor kitchen and shower, new paver driveway and exterior paint (all 2022). The seawall and dock have both been redone (2022), featuring a 16,000 lb boat lift and 8,000 lb dual jet ski lift with kayak/sup launch. All-new impact-rated windows and doors were added (2023) for extra efficiency and storm protection. A resurfaced waterfront deck with storage underneath and new pool pump and heater were also added (2024). Refreshed tropical landscaping and a new garage door (2025) further enhance the homes welcoming first impression. The tankless water heater was also replaced (2026). Every improvement was thoughtfully selected to enhance the home's coastal aesthetic, functionality, and long term value. This turn key waterfront retreat is as beautiful as it is practical, and it is truly one of a kind.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,470
Sqft
0.22 ac
Lot size
2
Garage
1984
Year built
One
Levels
$769
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.
$12,763 /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
$12,763/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.
$/sqft vs Belleair Beach actives
$769 vs $637
Days on market
289 vs 69 typical
Where $769/sqft sits among the 33 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
$705K → $850K
Belleair Beach median sold, yr/yr
92.9%
Sale-to-list ratio (12 mo)
18 of 33
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 137% above the BELLEAIR BEACH 33786 median. See the full Belleair Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 320 BELLE ISLE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$755,000
2261 NE 9th Ave # 2261, Wilton Manors FL 33305 · same community
4 bd · 3.5 ba · 2,069 sqft · $365/sqft · 68 DOM
Sold · Jun ’26$1,850,000
411 BELLE ISLE AVENUE · same community
5 bd · 4 ba · 3,239 sqft · $571/sqft · 187 DOM
Sold · Sep ’25$1,830,000
517 BELLE ISLE AVENUE · same community
4 bd · 3.5 ba · 3,240 sqft · $565/sqft · 143 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 320 BELLE ISLE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 320 BELLE ISLE 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
320 BELLE ISLE AVENUE FAQs
What would the monthly payment be for 320 BELLE ISLE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,763/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 320 BELLE ISLE AVENUE?+
The most recent tax bill on record (2024) was $19,728. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Belleair Beach?+
At $1,899,000, this home is listed about 27% above the Belleair Beach median of $1,499,000. The market section on this page shows how the area is trending.
Which schools are assigned to 320 BELLE ISLE AVENUE?+
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
$1,899,000 runs 137% above the BELLEAIR BEACH 33786 median.
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
289 days on market against a Belleair Beach median of 69 — 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 $2,290,000, now $1,899,000 — a $391K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PINEYWOODS REALTY LLC · Nicole Patneaude. MLS #TB8440328.
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.
Never miss a listing
New Belleair Beach homes, in your inbox
Like 320 BELLE ISLE AVENUE but not quite? A daily digest of every new listing in Belleair Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →