David Ramirez
$1,425,000$1,595,0004 bd2.5 ba2,184 sqft$652 /sqft$9,609 /mo all-in ↓

440 64TH AVENUE, ST PETE BEACH, FL, 33706

Active177 days on marketListed Jan 29, 2026MLS #TB8465058

Reduced $170KWaterfrontPrivate poolSingle Family ResidenceTHREE PALMS POINT

About this home

440 64TH AVENUE

HUGE PRICE REDUCTION AND $25K SELLER CREDIT towards Closing Costs or Prepaids!!! Welcome to this Exquisite 4 bed 2.5 bath Waterfront Pool Home located in the heart of St Pete Beach. This Residence exudes the seamless integration of Mid-Century Modern and Contemporary Coastal Chic vibes. This uniquely designed home harmonizes with its lush surroundings and captivating water views, and has been thoughtfully curated to embody a chic, vibrant, and welcoming atmosphere. Thoughtfully designed by a distinguished New York design and lighting consultant (clients include Ritz Paris, Cipriani & Ralph Lauren), every detail of this home screams style and sophistication. The lushly landscaped circular driveway invites you into the first of two private outdoor courtyards. As you step through the modern double doors, the open-concept layout unfolds, blending living, dining, and entertaining spaces with the vast expanse that is your pool, patio and captivating water views. The 40-foot expanse of glass pocket slider doors seamlessly blurs the boundaries between indoors and outdoors, in classic Mid-century style. For Enhanced security and privacy, the roll-down hurricane shutters on exterior doors and sliders provides convenience as needed. With a southern exposure ensuring abundant natural light and dynamic sky views throughout the day, this home is characterized by clean lines, original polished terrazzo, Missoni® Bolon® flooring, Balinese Tile in the primary, and contemporary lighting fixtures. Each element has been meticulously designed for the property's distinctive aesthetic. Luxurious bathrooms, including a guest outdoor shower and a private patio with an outdoor tub and shower off the primary bedroom, showcase modern updates. The exquisitely updated kitchen features modern cabinetry, double wall oven/microwave, glass cooktop in the new stainless steel appliance package. This Mid-Century Modern Contemporary work of art is one a kind. From the custom Moroccan Pavers, outdoor dining and kitchen, and lounge style seating around the wood burning fire pit (VITEO), to the solar heated pool(2022) and private deck, the afternoon breezes will be tastefully accented by the dolphins swimming by. This property portrays the boating paradise most only dream of; 10,000lb lift with composite deck, 77ft seawall (2014), and floating dock for water toys! HURRICANE PROTECTION: this home has 5' aluminum flood panels installed for all the doors and windows. Panels can be stored off-site and installed as needed (for a fee) or the homeowner can store and install themselves. Flood insurance discounts may apply (see attachments) Nestled in Three Palms Point, this property imbues beauty, elegance and comfort within a vibrant and bustling beach community. This property is close to everything, from the pristine beaches of St Pete and Clearwater, the 65-mile Pinellas Trail, Beachfront Dining, Shopping, Live Music Venues, Historic parks such as Fort De Soto, and within 30 minutes to Tampa International and St Pete Clearwater Airports. Elevate your lifestyle and schedule a private showing today!!! MONTHLY RENTALS ALLOWED

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,184

Sqft

0.2 ac

Lot size

2

Garage

1966

Year built

One

Levels

$652

Per sqft

Private poolWaterfrontPool & Water viewNegotiable

Inside

FlooringTerrazzo
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Stone Counters · Thermostat · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewPool · Water
FacesNorth
ParkingCircular Driveway · Driveway · Garage Door Opener · Guest · Off Street · Open · Workshop in Garage
ExteriorFire Pit · Gray Water System · Hurricane Shutters · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Outdoor Shower · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2025)$14,709/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Connected · Fire Hydrant · Phone Available · Propane · Public · Sewer Connected · Sprinkler Recycled · Street Lights · Water 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.

$9,609 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,689
PMI (est., until 20% equity)$534
Property tax — 2025 actual bill$1,226
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $142,500Loan30-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% · $142,500
Interest rate6.00%
Loan term

Estimated payment

$9,609/mo

Principal & interest$7,689
PMI (est., until 20% equity)$534
Property taxes (actual bill)$1,226
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.

List $1.4M
$677KedgeAI estimate $873,173 · range $705K$1.2M$1.5M

vs edgeAI estimate

+63.2%

$/sqft vs THREE PALMS POINT

$652 vs $768

Days on market

177 vs 85 typical

Where $652/sqft sits among the 7 homes for sale in THREE PALMS POINT

1
0
0
0 · this home
2
4
$397–467$467–536$536–605$605–675$675–744$744+

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 Three Palms Point

Map of 440 64TH AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa40 min
Tampa Int’l Airport (TPA)40 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Pete Beach. See the full St Pete Beach guide →

Three Palms Point — neighborhood snapshot

Population

797

Median age

68

Median income

$79,226

Median home value

$414,374

Avg household

1

Households w/ children

17%

For the school run

Pinellas County School District

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

3 of 7

THREE PALMS POINT have cut their price

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

This home is listed 217% above the ST PETE BEACH 33706 median. See the full St Pete Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,425,000 $170K
Jan 29, 2026Listed at $1,595,000 · 177 days on market since
1966Built · THREE PALMS POINT

Reality check

What actually sold near 440 64TH AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6437 1ST PALM POINTSold · Aug ’25

$725,000

6437 1ST PALM POINT · same community

3 bd · 2 ba · 2,170 sqft · $334/sqft · 163 DOM

6440 3RD PALM POINTSold · Feb ’26

$1,610,000

6440 3RD PALM POINT · same community

3 bd · 3 ba · 2,318 sqft · $695/sqft · 206 DOM

6422 1ST PALM POINTSold · Dec ’25

$1,275,000

6422 1ST PALM POINT · same community

3 bd · 3 ba · 2,043 sqft · $624/sqft · 4 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 440 64TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 440 64TH AVENUE — 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

440 64TH AVENUE FAQs

What would the monthly payment be for 440 64TH AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,609/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 440 64TH AVENUE?+

The most recent tax bill on record (2025) was $14,709. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in St Pete Beach?+

At $1,425,000, this home is listed about 138% 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 440 64TH AVENUE?+

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

$1,425,000 runs 217% above the ST PETE BEACH 33706 median — but at 2,184 sqft it's also 73% larger than 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

177 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 $1,595,000, now $1,425,000 — a $170K cut. The full history is in the market section below.

Listing courtesy of CORCORAN DWELLINGS · Lance Peterson. MLS #TB8465058.

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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