David Ramirez
$1,099,000$1,265,0003 bd2 ba1,460 sqft$753 /sqft$7,617 /mo all-in ↓

510 115TH AVENUE, TREASURE ISLAND, FL, 33706

Active188 days on marketListed Jan 26, 2026MLS #TB8468809

Reduced $166KSingle Family ResidenceISLE OF PALMS 1ST ADD

About this home

510 115TH AVENUE

Welcome to your slice of paradise. The home’s bedrooms provide comfortable retreats with great views of the intercoastal, while the updated bathrooms offer clean, modern design. Enjoy peaceful mornings on your private outdoor space—perfect for sipping coffee, grilling, or simply soaking in the island breeze. on beautiful Treasure Island! This is a three-bedroom, two-bath, two-car garage beach house. It blends relaxed Florida living with modern comfort, offering a bright, open layout just steps from the shimmering Intracoastal Waterway and a short walk to world famous sandy beaches. Step inside and you’re welcomed by an open airy floor plan filled with beautiful views of the intercoastal through the large sliding glass doors. The spacious living area flows seamlessly into a well appointed large kitchen featuring generous counter space, quality cabinetry, and an ideal setup for entertaining. Located in one of Treasure Island’s most coveted neighborhoods, this property puts you minutes from boutique shops, waterfront dining, beach bars, and the vibrant John’s Pass Village. Whether you're seeking a full time residence, a vacation getaway, or a high demand investment property, this home checks every box for the ideal coastal lifestyle. All information provided should be independently verified by buyers. Highlights include: • 3/2/2 coastal home with a great open floorplan including a fireplace. • Upgraded windows and doors; with amazing views from the living room and bedrooms. • New seawall and upgraded dock, with deep water flow; a boater’s paradise. • Comfortable bedrooms and modernized baths. • Private outdoor area ideal for relaxing or entertaining; pool ready. • Beautiful front yard and beach house approach with hurricane rated Bahamian shutters and plenty of off-street parking on the large driveway. • Close to restaurants, shopping, parks, and boating access • Perfect for year round living, a seasonal home, or rental income potential Live where every day feels like a vacation—your Treasure Island dream home awaits.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,460

Sqft

0.17 ac

Lot size

2

Garage

1957

Year built

One

Levels

$753

Per sqft

FireplaceNegotiable

Inside

FlooringTerrazzo
AppliancesBar Fridge · Dishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorKitchen/Family Room Combo
LaundryIn Garage · Washer Hookup
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesSouth
ParkingGarage Door Opener · Off Street
ExteriorAwning(s) · Irrigation System · Sliding Doors

Community & fees

Taxes (2024)$13,380/yr

Utilities & systems

UtilitiesElectricity Connected · Public · Sprinkler Meter · 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.

$7,617 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,930
PMI (est., until 20% equity)$412
Property tax — 2024 actual bill$1,115
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $109,900Loan30-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% · $109,900
Interest rate6.00%
Loan term

Estimated payment

$7,617/mo

Principal & interest$5,930
PMI (est., until 20% equity)$412
Property taxes (actual bill)$1,115
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 $1.1M
$555KedgeAI estimate $620,165 · range $578K$705K$1.1M

vs edgeAI estimate

+77.2%

$/sqft vs Treasure Island actives

$753 vs $521

Days on market

188 vs 74 typical

Where $753/sqft sits among the 171 Treasure Island actives

54
44
23
18 · this home
15
17
$232–393$393–555$555–716$716–877$877–1038$1038+

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 Isle Of Palms

Map of 510 115TH AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa43 min
Tampa Int’l Airport (TPA)43 min

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

Get to know Treasure Island. See the full Treasure Island guide →

Isle Of Palms — neighborhood snapshot

Population

1,143

Median age

62

Median income

$75,139

Median home value

$908,900

Avg household

2

Households w/ children

50%

For the school run

Pinellas County School District

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

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

The numbers that matter

The Treasure Island market

Seller’s marketLeans buyer12.4 months of inventoryBuyer’s market

$685K$648K

Treasure Island median sold, yr/yr

93.5%

Sale-to-list ratio (12 mo)

96 of 171

Treasure Island actives have cut their price

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

This home is listed 144% above the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,099,000 $166K
Jan 26, 2026Listed at $1,265,000 · 188 days on market since
1957Built · ISLE OF PALMS 1ST ADD

Reality check

What actually sold near 510 115TH AVENUE

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

11340 5TH STREET ESold · May ’26

$765,000

11340 5TH STREET E · same community

3 bd · 2 ba · 1,540 sqft · $497/sqft · 300 DOM

11325 4TH STREET ESold · Sep ’25

$630,000

11325 4TH STREET E · same community

2 bd · 2.5 ba · 1,551 sqft · $406/sqft · 0 DOM

11360 5TH STREET ESold · Aug ’25

$735,000

11360 5TH STREET E · same community

2 bd · 2 ba · 1,590 sqft · $462/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 510 115TH 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 510 115TH 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

510 115TH AVENUE FAQs

What would the monthly payment be for 510 115TH AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,617/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 510 115TH AVENUE?+

The most recent tax bill on record (2024) was $13,380. 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 Treasure Island?+

At $1,099,000, this home is listed about 67% above the Treasure Island median of $659,000. The market section on this page shows how the area is trending.

Which schools are assigned to 510 115TH AVENUE?+

Azalea Elementary School (elementary), Azalea Middle School (middle), Boca Ciega High School (high) — 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

$1,099,000 runs 144% above the TREASURE ISLAND 33706 median.

02Time on market is leverage

188 days on market against a Treasure Island median of 74 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Azalea Elementary School, Azalea Middle School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,265,000, now $1,099,000 — a $166K cut. The full history is in the market section below.

Listing courtesy of JACK KELLER INC · John Keller, III. MLS #TB8468809.

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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