
3910 GULF BOULEVARD UNIT 400, ST PETE BEACH, FL, 33706
Active213 days on marketListed Jan 1, 2026MLS #TB8452831
About this home
3910 GULF BOULEVARD UNIT 400
Favorable Owner Financing is Available to facilitate your purchase of this incredible condominium home, right on the sand of beautiful St. Pete Beach! With only 6 units, each of which span the entire floor from east to west, The Dunes on St Pete Beach is like no other. Owned by the Developer, this exquisite condominium home has only had one meticulous owner. Located on the sugary, white sand of St. Pete Beach, the oft-voted #1 beach in the USA and top 5 in the world, the vistas from the 486sf+ western-facing balcony are simply stunning. From this enviable vantage point, the setting sun is a highlight of every day. And yet, as if in competition, incredible sunrises grace the eastern balcony, which boasts another formidable 265sf of covered space with sweeping and vast views across the boulevard and over the water and beyond to the iconic skyline of Downtown St. Petersburg and the Sunshine Skyway Bridge. Indoors the expanse between the balconies is 4,245 acsf of exceptional living space: 3 bedrooms, 3 full baths, 1 half bath, a formal dining room, office, gym area, and media room. The centerpiece is an enormous room that would not be adequately described with the more common term of ‘great room.’ Spectacular Room is more fitting. There you will find a well-appointed open-floor plan, including the kitchen, large pantry, dining area, expansive living room and, of course, a stunning Gulf view which spans almost its full width of 23'. A true “Chef’s kitchen,” this area was painstakingly designed for form and function and features all-wood cabinetry, granite countertops, Sub-Zero and Wolfe appliances, dual sinks providing both a prep area and a cleanse and clear area and more, much more. The primary bedroom encompasses a suite of rooms, including a large bedroom area that also enjoys fabulous views of the Gulf, two walk-in closets with California Closet style built-ins and an enormous primary bath suite that is unique to this building. It has two separate water closets/toilets, a massive shower enjoying natural light, dual sinks and an abundance of cabinetry and granite countertop space. There are two additional guest bedrooms, both en suite. The larger is at the eastern boundary of the condo, as is an office and work-out area. The other guest bedroom was used as an office and features a custom-made bookcase. Unit 400, which is located on the fifth floor, has a single, very convenient under-building parking space. There is also a 1-car garage. This is a rare opportunity to realize your dream of The Beach Life at its finest. Please note that no units at The Dunes experienced any storm damage. And, with a whole-house generator powered by natural gas that services all six units, at The Dunes, you do not have to worry about electricity outages! Built in 2008, all living areas are above base flood and all homes here were high & dry. Unit 400 had new impact sliders installed beachside in the summer of 2024. (They are not featured in the photos here.) Only two other units have come to the market since their original sale. As you would expect, the Condominium Association is well-funded and the property is well-maintained. The home may be sold with furnishings. Note that some items are staged, including art & decor, which do not convey.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
4,245
Sqft
0.48 ac
Lot size
1
Garage
2008
Year built
One
Levels
$940
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.
$27,892 /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
$27,892/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
$940 vs $509
Days on market
213 vs 85 typical
Where $940/sqft sits among the 178 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)
86 of 178
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 787% 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 3910 GULF BOULEVARD UNIT 400
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$3,350,000
2832 W VINA DEL MAR BOULEVARD
4 bd · 4.5 ba · 3,844 sqft · $871/sqft · 167 DOM
Sold · Jul ’26$4,850,000
3105 PASS A GRILLE WAY
4 bd · 4.5 ba · 3,836 sqft · $1,264/sqft · 119 DOM
Sold · Nov ’25$2,850,000
2950 ALTON DRIVE
4 bd · 3 ba · 2,727 sqft · $1,045/sqft · 27 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 3910 GULF BOULEVARD UNIT 400 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3910 GULF BOULEVARD UNIT 400 — 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
3910 GULF BOULEVARD UNIT 400 FAQs
What would the monthly payment be for 3910 GULF BOULEVARD UNIT 400?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $27,892/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 3910 GULF BOULEVARD UNIT 400?+
The most recent tax bill on record (2025) was $56,474. 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 3910 GULF BOULEVARD UNIT 400?+
The listing reports pets: Breed Restrictions. 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 $3,990,000, this home is listed about 566% 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 3910 GULF BOULEVARD UNIT 400?+
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
$3,990,000 runs 787% above the ST PETE BEACH 33706 median — but at 4,245 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
213 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 $3,995,000, now $3,990,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NEXTHOME BEACH TIME REALTY · Annie Fleeting. MLS #TB8452831.
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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