8685 E BAY DRIVE, TREASURE ISLAND, FL, 33706
Active127 days on marketListed Mar 18, 2026MLS #TB8487230
About this home
8685 E BAY DRIVE
Immerse yourself in the Florida lifestyle in this Sunset Beach Waterfront Oasis with captivating water views. Included in a collection of only 5 homes that are situated on premier Sunset Beach lots, picturesque from the moment you arrive. Elevated pool home blends luxury living in a vibrant beach community. A chef’s kitchen connects to the open indoor & outdoor living areas offering the perfect venue for entertaining. Picture windows, French Doors & balconies offer sweeping views throughout. The entire top floor is reserved for the owners. Step into luxury and Unwind in the waterfront soaking tub in a spa inspired bathroom. Leave reality behind and disappear into your waterfront back yard playground, teeming with marine life and active & passive boat recreation. Exceptional opportunity to own one of the premier Sunset Beach locations. Let the photos guide you to discover your next Chapter & Unlock your new lifestyle. Pool resurfaced June 2026. New Pool Pump 2026.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,823
Sqft
0.19 ac
Lot size
4
Garage
1994
Year built
Three Or More
Levels
$903
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.
$16,293 /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
$16,293/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.
vs edgeAI estimate
+27.4%
$/sqft vs Treasure Island actives
$903 vs $523
Days on market
127 vs 74 typical
Where $903/sqft sits among the 184 Treasure Island 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 Treasure Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Treasure Island. See the full Treasure Island guide →
TREASURE ISLAND 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 Treasure Island market
$685K → $648K
Treasure Island median sold, yr/yr
93.5%
Sale-to-list ratio (12 mo)
100 of 184
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 467% above the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 8685 E BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$630,000
130 87TH AVENUE · same community
3 bd · 2 ba · 1,362 sqft · $463/sqft · 91 DOM
Sold · Aug ’25$1,729,000
238 71ST AVENUE
4 bd · 2.5 ba · 2,836 sqft · $610/sqft · 209 DOM
Sold · Nov ’25$800,000
511 64TH AVENUE
2 bd · 2 ba · 2,407 sqft · $332/sqft · 116 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 8685 E BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8685 E BAY 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
8685 E BAY DRIVE FAQs
What would the monthly payment be for 8685 E BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,293/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 8685 E BAY DRIVE?+
The most recent tax bill on record (2025) was $16,999. 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 8685 E BAY 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 Treasure Island?+
At $2,550,000, this home is listed about 287% 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 8685 E BAY DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$2,550,000 runs 467% above the TREASURE ISLAND 33706 median — but at 2,823 sqft it's also nearly twice the size of the typical Treasure Island listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong 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.
04The price has already moved
Listed at $2,790,000, now $2,550,000 — a $240K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Dawn Fader. MLS #TB8487230.
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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