David Ramirez
$5,999,999$6,499,0005 bd4.5 ba5,296 sqft$1,133 /sqft$43,085 /mo all-in ↓

430 ST ANDREWS DRIVE, BELLEAIR, FL, 33756

Active185 days on marketListed Jan 30, 2026MLS #TB8464965

Reduced $499KWaterfrontPrivate poolSingle Family ResidenceBELLEVIEW ISLAND SUB

About this home

430 ST ANDREWS DRIVE

Florida luxury living reaches its pinnacle behind the private, guarded gates of coveted Belleview Island in beautiful Belleair, where this extensively remodeled and thoughtfully renovated residence makes a striking first impression with exceptional curb appeal and a paver driveway welcoming you home. Perfectly positioned to capture both breathtaking sunrises and glowing sunsets, the home is wrapped in balconies that frame sweeping water, golf course, and tropical views at every turn. Inside, an open and inviting interior unfolds in soothing neutral tones, enhanced by custom ceilings, detailed moldings, and an abundance of natural light. The desirable floor plan offers a formal living room anchored by an electric fireplace for cozy evenings, while the dining room is adorned with custom built-ins and showcases panoramic Intracoastal views stretching across to the bluffs of Belleair. A lower-level guest bedroom enjoys serene pond views and a private ensuite with a quartz vanity, offering comfort and privacy for visitors. The spacious family room features built-ins, a gas fireplace, and stunning water views, flowing seamlessly into a truly dream-worthy kitchen complete with a quartz island with seating, top-of-the-line stainless steel appliances including a natural gas cooktop, Viking refrigerator, and two dishwashers, plus a private desk overlooking lush tropical foliage. A generous laundry room with sink, abundant storage, dumbwaiter, and access to a screened “catio” adds both convenience and charm. Upstairs, the primary suite is a peaceful retreat with spectacular Belleair Country Club golf course views and sunrises over the Intracoastal enjoyed right from bed, complemented by a huge custom closet, electric blinds, and a spa-like ensuite featuring custom tile, a double sink vanity, walk-in shower, and a luxurious soaking tub. Additional bedrooms are equally well appointed, each offering its own unique luxury, from tranquil pond views to pool and Intracoastal vistas, ensuring family and guests enjoy both privacy and refined comfort. A versatile bonus room with pond views and a private balcony provides the perfect space for a home office or creative studio. The downstairs uninsurable area is designed for enjoyment and flexibility with a theatre and entertainment space, room for three cars and a golf cart, and ample space for a home gym, while a brand-new three-car garage with split A/C brings total covered parking to six vehicles. Outdoors, a resort-style setting awaits with a newly resurfaced pool surround, a 2022 seawall, and a dock inviting endless days soaking up the Florida sunshine on the water. Completing this exceptional offering are a whole-house generator, new outdoor lighting and irrigation, a comprehensive security system with cameras, impact windows and an electric car charger, all just moments from Belleair Country Club, The Pelican Golf Club, local restaurants, boutique shopping, two airports, and the sparkling beaches that make this area so sought after.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

5,296

Sqft

0.9 ac

Lot size

6

Garage

1989

Year built

Two

Levels

$1,133

Per sqft

Private poolWaterfrontFireplaceGolf Course & Water viewPets allowed

Inside

FlooringCarpet · Epoxy · Tile · Hardwood
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Ice Maker · Microwave · Range · Refrigerator · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Dumbwaiter · Eating Space In Kitchen · PrimaryBedroom Upstairs · Solid Surface Counters · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Zoned
HeatingCentral · Electric · Zoned

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Wood Frame
FoundationSlab
ViewGolf Course · Water
FacesWest
ParkingElectric Vehicle Charging Station(s) · Garage Door Opener · Garage Faces Side · Golf Cart Garage · Oversized · Workshop in Garage
ExteriorBalcony · French Doors · Hurricane Shutters · Irrigation System · Lighting · Sidewalk · Storage

Community & fees

HOA fee$512/mo
Taxes (2025)$93,442/yr
PetsYes
CommunityBay/Harbor Front · Intracoastal Waterway · Waterfront · Buyer Approval Required · Gated Community - Guard · Gated Community - No Guard · Golf Carts OK · Golf · Sidewalks

Utilities & systems

UtilitiesCable Connected · Natural Gas Available · Natural Gas Connected · Public · Street Lights
WaterPublic

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.

$43,085 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$32,376
PMI (est., until 20% equity)$2,250
Property tax — 2025 actual bill$7,787
HOA fee — from the listing$512
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $600,000Loan30-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% · $600,000
Interest rate6.00%
Loan term

Estimated payment

$43,085/mo

Principal & interest$32,376
PMI (est., until 20% equity)$2,250
Property taxes (actual bill)$7,787
HOA / condo fee$512
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 Belleair actives

$1,133 vs $413

Days on market

185 vs 73 typical

Where $1,133/sqft sits among the 85 Belleair actives

27
29
15
7
5
2 · this home
$168–329$329–490$490–651$651–811$811–972$972+

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

Map of 430 ST ANDREWS DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)35 min
Downtown Tampa38 min

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

ElementaryPlumb Elementary School★★★★
HighClearwater High School★★★★★
MiddleOak Grove Middle School★★★★★

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

The numbers that matter

The Belleair market

Seller’s marketLeans buyer9.1 months of inventoryBuyer’s market

$1.1M$1.1M

Belleair median sold, yr/yr

95.4%

Sale-to-list ratio (12 mo)

46 of 85

Belleair actives have cut their price

Median sold price, Belleair, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1670% above the BELLEAIR 33756 median. See the full Belleair market guide →

Paper trail

This home's history

CurrentPrice reduced to $5,999,999 $499K
Jan 30, 2026Listed at $6,499,000 · 185 days on market since
1989Built · BELLEVIEW ISLAND SUB

Reality check

What actually sold near 430 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.

433 ST ANDREWS DRIVESold · Jul ’26

$4,325,000

433 ST ANDREWS DRIVE · same community

4 bd · 3.5 ba · 3,640 sqft · $1,188/sqft · 34 DOM

436 ST ANDREWS DRIVESold · Feb ’26

$4,500,000

436 ST ANDREWS DRIVE · same community

4 bd · 4.5 ba · 7,482 sqft · $601/sqft · 263 DOM

305 EASTLEIGH DRIVESold · Jun ’26

$2,725,000

305 EASTLEIGH DRIVE

5 bd · 6 ba · 5,532 sqft · $493/sqft · 39 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 430 ST ANDREWS DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 430 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.

Goes straight to David’s phone and CRM.

Straight answers

430 ST ANDREWS DRIVE FAQs

What would the monthly payment be for 430 ST ANDREWS DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $43,085/mo — principal and interest, the actual property-tax bill, the $512/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 430 ST ANDREWS DRIVE?+

The association fee works out to $512 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 430 ST ANDREWS DRIVE?+

The most recent tax bill on record (2025) was $93,442. 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 430 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 $5,999,999, this home is listed about 679% above the Belleair median of $769,950. The market section on this page shows how the area is trending.

Which schools are assigned to 430 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

$5,999,999 runs 1670% above the BELLEAIR 33756 median — but at 5,296 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 $512/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04Time on market is leverage

185 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.

Listing courtesy of COLDWELL BANKER REALTY · Martha Thorn. MLS #TB8464965.

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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