109 PUNTA VISTA DRIVE, ST PETE BEACH, FL, 33706
Active191 days on marketListed Jan 15, 2026MLS #TB8464490
About this home
109 PUNTA VISTA DRIVE
One or more photo(s) has been virtually staged. Welcome to your new luxurious estate located on highly desirable St. Pete Beach! Completed construction in late 2023, with new balconies installed in early 2025, this modern home boasts water views from every room. The ground floor consists of a multi car garage with the capacity to add a lift for additional car storage. As you walk towards the terrace, you will find a waterfront pool and full size outdoor kitchen suitable for all your entertaining needs. The second floor has an open floor plan design. Here you will find a large family room, full sized kitchen and breakfast bar. Adjacent to the family room, you will find a large dining room. The family room and dining space have panoramic views of the water. Located off of the open concept family space, is a spacious balcony where you can enjoy beautiful views of Boca Ciega Bay. The second floor includes two bedrooms each with its own en-suite bathrooms. The third floor has a large master suite with a spacious private balcony and a large master bathroom. This floor a bonus space that could either be a third bedroom, home office, or gym. Across the hall there is also a laundry/storage room. This waterfront estate has a centralized elevator that can help you or your guests travel throughout your home with ease. Come make this waterfront paradise your future home!
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,104
Sqft
0.17 ac
Lot size
4
Garage
2023
Year built
Three Or More
Levels
$792
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.
$22,369 /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
$22,369/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
$792 vs $490
Days on market
191 vs 85 typical
Where $792/sqft sits among the 186 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 Punta 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 →
Punta Vista — neighborhood snapshot
Population
292
Median age
64
Median income
$124,083
Median home value
$1,041,300
Avg household
2
Households w/ children
8%
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)
93 of 186
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 622% 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 109 PUNTA VISTA DRIVE
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$1,600,000
239 PUNTA VISTA DRIVE · same community
3 bd · 2.5 ba · 2,592 sqft · $617/sqft · 290 DOM
Sold · Apr ’26$570,000
100 PUNTA VISTA DRIVE · same community
3 bd · 2 ba · 1,204 sqft · $473/sqft · 66 DOM
Sold · Dec ’25$2,600,000
4250 BELLE VISTA DRIVE
4 bd · 4 ba · 4,171 sqft · $623/sqft · 28 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 109 PUNTA VISTA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 PUNTA VISTA 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
109 PUNTA VISTA DRIVE FAQs
What would the monthly payment be for 109 PUNTA VISTA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,369/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 109 PUNTA VISTA DRIVE?+
The most recent tax bill on record (2025) was $41,505. 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 109 PUNTA VISTA 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 $3,249,000, this home is listed about 442% 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 109 PUNTA VISTA DRIVE?+
Boca Ciega High School (high), Azalea Elementary School (elementary), Azalea 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
$3,249,000 runs 622% above the ST PETE BEACH 33706 median — but at 4,104 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
191 days on market against a St Pete Beach median of 85 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Boca Ciega High School, Azalea Elementary School, Azalea Middle School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $3,495,000, now $3,249,000 — a $246K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BRIGHTWATER REALTY · Winston Ball II, Jr. MLS #TB8464490.
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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