420 64TH AVENUE UNIT 107, ST PETE BEACH, FL, 33706
Active173 days on marketListed Feb 12, 2026MLS #TB8471529
About this home
420 64TH AVENUE UNIT 107
Welcome to Three Palms Pointe, a gated waterfront residential community on St. Pete Beach. You are just moments from St. Pete Beach, making it easy to soak up the sun and embrace the coastal lifestyle. If you are dreaming of a fully renovated condo just minutes from the sand, Unit 107 truly checks all the boxes. This west-facing, first-floor corner unit offers 2 bedrooms, 2 bathrooms, and 1,131 square feet of bright, coastal living. Thoughtfully updated throughout, the home features luxury plank vinyl flooring, new sliding glass doors, new stainless-steel appliances, updated fixtures, and fresh paint—making it completely move-in ready. The living area opens to a private balcony with easy outdoor access, perfect for enjoying the sea air. The open kitchen is ideal for casual entertaining, complete with granite countertops, abundant cabinet space, and a breakfast bar with seating for two—perfect for morning coffee or a casual meal. As you enter the primary suite, the room is filled with natural light and includes a spacious walk-in closet. The primary bathroom has a functional vanity with dual sinks and space to tuck away your toiletries as well as the convenience of a tub/shower. The second bedroom offers extra storage with two closets and could also function as an office or bonus room. The second full bathroom show cases a new shower and vanity. Additional highlights include an assigned parking spot and storage. Three Palms Pointe delivers true resort-style living, featuring a guard-gated entrance, complimentary laundry located on each floor, heated pool, club house with amazing waterfront views, billiards, fitness center, shuffleboard, a fishing pier, and boat slips available by reservation. Beachy, updated, and effortlessly convenient—welcome home to Three Palms Pointe. Schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,131
Sqft
4.28 ac
Lot size
1974
Year built
One
Levels
$264
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.
$2,908 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,183/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
vs edgeAI estimate
−36%
$/sqft vs St Pete Beach actives
$264 vs $510
Days on market
173 vs 85 typical
Where $264/sqft sits among the 177 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 St Pete Beach
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 →
ST PETE BEACH 33706 — neighborhood snapshot
Population
15,347
Median age
62.2
Median income
$97,364
Median home value
$616,800
Avg household
1.79
Households w/ children
453
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 → $543K
St Pete Beach median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
85 of 177
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 34% below 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 420 64TH AVENUE UNIT 107
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$265,000
420 64TH AVENUE UNIT 307 · same community
2 bd · 2 ba · 1,131 sqft · $234/sqft · 119 DOM
Sold · Nov ’25$400,000
400 64 AVENUE UNIT 1207 · same community
2 bd · 2 ba · 1,131 sqft · $354/sqft · 41 DOM
Sold · Oct ’25$360,000
400 64TH AVENUE UNIT 502 · same community
2 bd · 2 ba · 1,131 sqft · $318/sqft · 29 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 420 64TH AVENUE UNIT 107 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 64TH AVENUE UNIT 107 — 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
420 64TH AVENUE UNIT 107 FAQs
What would the monthly payment be for 420 64TH AVENUE UNIT 107?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,908/mo — principal and interest, estimated property taxes, the $856/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 420 64TH AVENUE UNIT 107?+
The association fee works out to $856 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 64TH AVENUE UNIT 107?+
The most recent tax bill on record (2025) was $0. 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 420 64TH AVENUE UNIT 107?+
The listing reports pets: No. 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 $299,000, this home is listed about 52% below the St Pete Beach median of $625,000. The market section on this page shows how the area is trending.
Which schools are assigned to 420 64TH AVENUE UNIT 107?+
Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the ST PETE BEACH 33706 market on paper
$299,000 is 34% below the ST PETE BEACH 33706 median of $450,000, and at $264/sqft it sits under the St Pete Beach average of $590.
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 $856/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
173 days on market against a St Pete Beach median of 85 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Azalea Middle School, Azalea Elementary School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Michelle Bishop. MLS #TB8471529.
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.
Never miss a listing
New St Pete Beach homes, in your inbox
Like 420 64TH AVENUE UNIT 107 but not quite? A daily digest of every new listing in St Pete Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →