429 ST ANDREWS DRIVE, BELLEAIR, FL, 33756
Active233 days on marketListed Dec 12, 2025MLS #TB8456045
About this home
429 ST ANDREWS DRIVE
This private, world-class waterfront estate sits within the exclusive double-gated enclave of Belleview Island. Perfectly positioned on a rare double lot, the property offers breathtaking panoramic views of Clearwater Harbor and the historic Donald Ross–designed Belleair Golf and Country Club, Florida’s first golf course. A true boater’s paradise, the protected cove features a custom dock with a jet ski lift, along with 60,000 lb. and 80,000 lb. boat lifts, providing quick and direct access to Clearwater Pass and the Gulf of America. Inside, the custom-built residence showcases refined craftsmanship and elegant living spaces. A grand, custom staircase introduces the home and opens into an expansive great room designed for sophisticated entertaining, complete with a dining area, wet bar, custom built-ins, and sweeping water views. The gourmet kitchen offers a large island, custom cabinetry, granite countertops, a butler’s pantry, and a charming breakfast room overlooking both the bay and golf course. The second floor is a private retreat featuring a luxurious primary suite with its own balcony, vaulted ceilings, fireplace, and dual spa-caliber bathrooms—one with a walk-in shower and the other with a whirlpool tub—plus two walk-in closets. Three additional guest suites each include marble bathrooms and walk-in closets. Outdoor living is exceptional, with a beautifully designed pool house featuring an open wood ceiling, wine refrigerator, and grilling area, all overlooking an elegant paver pool deck. The 1,100 sq ft air-conditioned three-car garage offers high ceilings ideal for car lifts, while the landscaped grounds and custom paver driveway enhance the home’s grand presence. Engineered for long-term resilience, this elevated block construction features custom electric hurricane shutters, a whole-home Generac generator, and a new seawall (2023). The home further benefits from updated AC systems (all under warranty), a new pool and hot tub heater, tankless water heater, water softener, solar panels, LED lighting throughout, and numerous updated appliances. This exceptional residence combines pedigree, privacy, craftsmanship, and unmatched waterfront living. Secure your place in the winner's circle and experience one of Belleview Island’s finest estates.
Facts & features
The home at a glance
5
Bedrooms
7.5
Bathrooms
6,453
Sqft
0.88 ac
Lot size
3
Garage
1989
Year built
Two
Levels
$1,046
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 and the real association fee — not generic estimates.
$46,161 /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
$46,161/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 actives
$1,046 vs $415
Days on market
233 vs 73 typical
Where $1,046/sqft sits among the 84 Belleair 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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Belleair. See the full Belleair guide →
BELLEAIR 33756 — neighborhood snapshot
Population
32,928
Median age
45
Median income
$63,990
Median home value
$335,800
Avg household
2.46
Households w/ children
2,867
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 market
$1.1M → $1.1M
Belleair median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
43 of 84
Belleair actives have cut their price
Median sold price, Belleair, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1891% above the BELLEAIR 33756 median. See the full Belleair market guide →
Paper trail
This home's history
Reality check
What actually sold near 429 ST ANDREWS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$4,500,000
436 ST ANDREWS DRIVE · same community
4 bd · 4.5 ba · 7,482 sqft · $601/sqft · 263 DOM
Sold · Jul ’26$4,325,000
433 ST ANDREWS DRIVE · same community
4 bd · 3.5 ba · 3,640 sqft · $1,188/sqft · 34 DOM
Sold · Sep ’25$1,800,000
415 MAGNOLIA DRIVE
4 bd · 5 ba · 5,992 sqft · $300/sqft · 0 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 429 ST ANDREWS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 429 ST ANDREWS 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
429 ST ANDREWS DRIVE FAQs
What would the monthly payment be for 429 ST ANDREWS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $46,161/mo — principal and interest, the actual property-tax bill, the $600/mo association fee 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.
How much are the HOA fees at 429 ST ANDREWS DRIVE?+
The association fee works out to $600 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 429 ST ANDREWS DRIVE?+
The most recent tax bill on record (2023) was $77,438. 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 429 ST ANDREWS 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 Belleair?+
At $6,749,000, this home is listed about 777% above the Belleair median of $769,950. The market section on this page shows how the area is trending.
Which schools are assigned to 429 ST ANDREWS DRIVE?+
Plumb Elementary School (elementary), Clearwater High School (high), Oak Grove 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
$6,749,000 runs 1891% above the BELLEAIR 33756 median — but at 6,453 sqft it's also nearly 3 times the size of the typical Belleair listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $600/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
233 days on market against a Belleair median of 73 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Plumb Elementary School, Clearwater High School, Oak Grove Middle School — Plumb Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS BELLEAIR · Stephen Kepler. MLS #TB8456045.
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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