David Ramirez
$3,990,000$3,995,0003 bd3.5 ba4,245 sqft$940 /sqft$27,892 /mo all-in ↓

3910 GULF BOULEVARD UNIT 400, ST PETE BEACH, FL, 33706

Active213 days on marketListed Jan 1, 2026MLS #TB8452831

Reduced $5KWaterfrontCondominiumDUNES ON THE BEACH CONDO THE

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

WaterfrontWater viewNegotiable

Inside

FlooringCarpet · Engineered Hardwood · Marble · Porcelain Tile
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer · Water Filtration System · Water Softener · Wine Refrigerator
InteriorAccessibility Features · Built-in Features · Central Vacuum · Coffered Ceiling(s) · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Solid Wood Cabinets · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric · Zoned
FurnishedNegotiable

Outside & construction

RoofMembrane
ConstructionBlock
FoundationStilt/On Piling
ViewWater
FacesEast
ParkingAssigned · Covered · Garage Door Opener · Under Building
ExteriorBalcony · Irrigation System · Lighting · Outdoor Shower · Private Mailbox · Sliding Doors

Community & fees

Taxes (2025)$56,474/yr
PetsBreed Restrictions
CommunityGulf/Ocean Front · Intracoastal Waterway · Water Access · Waterfront · Buyer Approval Required · Gated Community - No Guard · Pool · Wheelchair Access

Utilities & systems

UtilitiesCable Connected · Natural Gas Connected · Phone Available · Public · Sewer Connected
WaterPublic

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%

Principal & interest$21,530
PMI (est., until 20% equity)$1,496
Property tax — 2025 actual bill$4,706
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $399,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $399,000
Interest rate6.00%
Loan term

Estimated payment

$27,892/mo

Principal & interest$21,530
PMI (est., until 20% equity)$1,496
Property taxes (actual bill)$4,706
Est. insurance$160

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

67
41
34
12
10 · this home
14
$278–437$437–596$596–756$756–915$915–1074$1074+

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

Map of 3910 GULF BOULEVARD UNIT 400

Drive times from this address

Downtown Tampa37 min
Tampa Int’l Airport (TPA)37 min

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

MiddleAzalea Middle School★★★★
ElementaryAzalea Elementary School★★★★
HighBoca Ciega High School★★★★★

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

The numbers that matter

The St Pete Beach market

Seller’s marketLeans buyer8.8 months of inventoryBuyer’s 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

CurrentPrice reduced to $3,990,000 $5K
Jan 1, 2026Listed at $3,995,000 · 213 days on market since
2008Built · DUNES ON THE BEACH CONDO THE

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.

2832 W VINA DEL MAR BOULEVARDSold · Sep ’25

$3,350,000

2832 W VINA DEL MAR BOULEVARD

4 bd · 4.5 ba · 3,844 sqft · $871/sqft · 167 DOM

3105 PASS A GRILLE WAYSold · Jul ’26

$4,850,000

3105 PASS A GRILLE WAY

4 bd · 4.5 ba · 3,836 sqft · $1,264/sqft · 119 DOM

2950 ALTON DRIVESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3910 GULF BOULEVARD UNIT 400 — start here.

Andrew Acosta

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.

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.

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.

Never miss a listing

New St Pete Beach homes, in your inbox

Like 3910 GULF BOULEVARD UNIT 400 but not quite? A daily digest of every new listing in St Pete 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 →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 2, 2026 at 10:05 PM UTC. The listing information on this page last changed on August 2, 2026 at 10:05 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 2, 2026 at 10:05 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 2, 2026 at 10:05 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.