4031 POINSETTIA DRIVE, ST PETE BEACH, FL, 33706
Active241 days on marketListed Dec 11, 2025MLS #TB8455429
About this home
4031 POINSETTIA DRIVE
A rare opportunity to craft a luxury waterfront residence in the Belle Vista community of St. Pete Beach. This exceptional buildable lot offers 80 feet of deep-water frontage on Nicholson Bayou, a protected and tranquil waterway ideal for safe, year-round mooring. Enjoy seamless access to Boca Ciega Bay and the Gulf of Mexico from a deep-water dock designed to accommodate large sailboats or yachts. RECENTLY INSTALL 04/20/2016, a new reinforced seawall engineered to support a future swimming pool, providing exceptional confidence and flexibility for your custom build. Wake up to breathtaking sunrises over Boca Ciega Bay, and walk to award-winning beaches, fine dining, and boutique nightlife. This is the perfect setting for an exceptional coastal estate—where luxury waterfront living truly begins.
Facts & features
The home at a glance
0.2 ac
Lot size
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.
$10,761 /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
$10,761/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.
Where it sits
Inside Belle Vista
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 →
Belle Vista — neighborhood snapshot
Population
1,335
Median age
59
Median income
$137,596
Median home value
$746,300
Avg household
2
Households w/ children
89%
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 → $553K
St Pete Beach median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
Median sold price, St Pete Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 257% 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 4031 POINSETTIA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$950,000
380 BELLE POINT DRIVE · same community
2 bd · 2 ba · 1,379 sqft · $689/sqft · 164 DOM
Sold · Apr ’26$725,000
390 BELLE POINT DRIVE · same community
4 bd · 3 ba · 2,022 sqft · $359/sqft · 3 DOM
Sold · Feb ’26$460,000
6287 BAHIA DEL MAR CIRCLE UNIT 313
2 bd · 2 ba · 890 sqft · $517/sqft · 58 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 4031 POINSETTIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4031 POINSETTIA DRIVE — 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
4031 POINSETTIA DRIVE FAQs
What would the monthly payment be for 4031 POINSETTIA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,761/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 4031 POINSETTIA DRIVE?+
The most recent tax bill on record (2024) was $16,413. 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 4031 POINSETTIA DRIVE?+
The listing reports pets: Yes. 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 $1,600,000, this home is listed about 161% above the St Pete Beach median of $612,450. The market section on this page shows how the area is trending.
Which schools are assigned to 4031 POINSETTIA DRIVE?+
Boca Ciega High School (high), Bay Point Middle School (middle), Azalea Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,600,000 runs 257% above the ST PETE BEACH 33706 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
241 days on market against a St Pete Beach median of 78 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Boca Ciega High School, Bay Point Middle School, Azalea Elementary School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Chuck Drake. MLS #TB8455429.
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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