255 46TH AVENUE, ST PETE BEACH, FL, 33706
Active277 days on marketListed Oct 29, 2025MLS #TB8441022
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About this home
255 46TH AVENUE
PRIVATE BEACH OUT BACK | WALK TO ST. PETE BEACH This Key West-inspired waterfront retreat offers the best of Florida living with a private sandy beach on Boca Ciega Bay, private dock, heated pool and spa, and just a short walk to the white sands of St. Pete Beach. Boasting over 4,000 square feet of living space (5,750+ total gross area), this elevated five-bedroom, four-bath residence features panoramic water views, six balconies and patios, two laundry rooms, multiple gathering areas, and a flexible floor plan ideal for entertaining or multi-generational living. The main living level features soaring 14-foot ceilings, a dramatic triple-stacked fireplace, floor-to-ceiling glass, and expansive living spaces including both a formal living room and a separate family room, providing plenty of space for entertaining while enjoying panoramic bay views. The chef's kitchen offers granite countertops, stainless steel appliances, a center island, dual breakfast bars, and waterfront dining. The primary suite enjoys a private waterfront balcony, spa-inspired bath, and walk-in shower. The beautifully landscaped backyard is designed for Florida living, featuring lush tropical gardens, a grassy play area ideal for kids and pets, and your own private sandy beach just steps from the home. Outdoor entertaining is effortless with multiple covered balconies, an outdoor breakfast bar, heated pool and spa, and spectacular sunsets over Boca Ciega Bay. A split three-car garage, expansive paver circular driveway, and smart home features complete this exceptional property. Recent improvements include a new roof (2025), two beautifully renovated bathrooms with modern vanities, fixtures, and tiled showers (2026), a redesigned front staircase with contemporary tile (2026), interior paint, expanded paver circular driveway, and newly epoxied garage floors. New garage doors and maintenance-free vinyl lanai ceilings are scheduled for completion. Offered fully furnished with designer décor, this turnkey waterfront home is just minutes from the Don CeSar, waterfront dining, and everything St. Pete Beach has to offer.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
4,096
Sqft
0.21 ac
Lot size
3
Garage
1989
Year built
Three Or More
Levels
$690
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.
$19,260 /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
$19,260/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 St Pete Beach actives
$690 vs $509
Days on market
277 vs 85 typical
Where $690/sqft sits among the 177 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 St Pete Beach
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 →
ST PETE BEACH 33706 — neighborhood snapshot
Population
15,347
Median age
62.2
Median income
$97,364
Median home value
$616,800
Avg household
1.79
Households w/ children
453
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)
85 of 177
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 528% 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 255 46TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$2,600,000
4250 BELLE VISTA DRIVE
4 bd · 4 ba · 4,171 sqft · $623/sqft · 28 DOM
Sold · Jul ’26$3,250,000
644 BOCA CIEGA ISLE DRIVE
4 bd · 5.5 ba · 3,878 sqft · $838/sqft · 117 DOM
Sold · Sep ’25$3,350,000
2832 W VINA DEL MAR BOULEVARD
4 bd · 4.5 ba · 3,844 sqft · $871/sqft · 167 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 255 46TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 255 46TH 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
255 46TH AVENUE FAQs
What would the monthly payment be for 255 46TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,260/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 255 46TH AVENUE?+
The most recent tax bill on record (2024) was $33,568. 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 St Pete Beach?+
At $2,825,000, this home is listed about 372% 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 255 46TH AVENUE?+
Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (high) — 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
$2,825,000 runs 528% above the ST PETE BEACH 33706 median — but at 4,096 sqft it's also nearly 3 times 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
277 days on market against a St Pete Beach median of 85 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Azalea Middle School, Azalea Elementary School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $3,100,000, now $2,825,000 — a $275K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Pam Moll. MLS #TB8441022.
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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