450 TREASURE ISLAND CAUSEWAY UNIT 102, TREASURE ISLAND, FL, 33706
Active57 days on marketListed Jun 20, 2026MLS #TB8492122
About this home
450 TREASURE ISLAND CAUSEWAY UNIT 102
One or more photos virtually staged. Experience elevated coastal living in this fully reimagined, turnkey Treasure Island beach-area condo just steps from the Intracoastal Waterway and the coming soon Yacht Club Marina. This residence features an expansive ~500+/- sq. ft. private outdoor retreat with a covered lanai and open-air courtyard, designed with new concrete, coastal river rock, and privacy fencing for a secluded, resort-style setting. Inside, refined finishes and thoughtful upgrades define the space. The designer kitchen features Level 4 quartz and granite countertops, solid wood cabinetry with soft-close doors and pull-out drawers, a coffered ceiling, and new Gallery-series appliances. The open living area is enhanced by crown molding and waterproof luxury plank flooring throughout. Both bathrooms have been fully renovated with updated cabinetry, tile, fixtures, and finishes. Major system upgrades 2026 include electrical with new panel, updated plumbing, new water heater, HVAC (2022), hurricane-rated impact windows and sliding glass doors, roof 2024. The spacious primary suite offers dual custom closets and an updated en-suite bath. The private outdoor space is ideal for entertaining, al fresco dining, or relaxing in your own coastal retreat. The building is undergoing significant improvements, including new roof, landscaping, interior and exterior paint, updated common areas, hurricane-rated entry/exit doors, and engineered water intrusion protection barriers. Milestone inspection and reserve study completed. Ideally located near award-winning Treasure Island Beach, 1 mile beach boardwalk, waterfront dining, shopping, and the Treasure Bay Golf & Tennis facility with pickleball and a 9-hole course. Downtown St. Petersburg is a short drive, offering fine dining, museums, marinas, waterfront parks, and year-round events. Turnkey, low-maintenance coastal condo living in one of Pinellas County’s most desirable beach communities. Seller offering mortgage buydown.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
885
Sqft
1.93 ac
Lot size
1974
Year built
One
Levels
$356
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.
$3,164 /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
$3,164/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+35.7%
$/sqft vs TREASURE ISLAND TENNIS & YACHT CLUB
$356 vs $294
Days on market
57 vs 96 typical
Where $356/sqft sits among the 9 homes for sale in TREASURE ISLAND TENNIS & YACHT CLUB
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.
The investor lens
Two ways this home pays
This home sits inside Island Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,650/mo median
Live Treasure Island rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Island Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Island Club is a short-term-rental community. See the full 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 → $623K
Treasure Island median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
5 of 9
TREASURE ISLAND TENNIS & YACHT CLUB have cut their price
Median sold price, Treasure Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 450 TREASURE ISLAND CAUSEWAY UNIT 102
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$210,000
450 TREASURE ISLAND CAUSEWAY UNIT 310 · same community
1 bd · 1.5 ba · 885 sqft · $237/sqft · 2 DOM
Sold · May ’26$280,000
450 TREASURE ISLAND CAUSEWAY UNIT 505 · same community
1 bd · 1.5 ba · 885 sqft · $316/sqft · 356 DOM
Sold · Apr ’26$415,000
500 TREASURE ISLAND CAUSEWAY UNIT 704 · same community
2 bd · 2 ba · 1,308 sqft · $317/sqft · 70 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 450 TREASURE ISLAND CAUSEWAY UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 450 TREASURE ISLAND CAUSEWAY UNIT 102 — 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
450 TREASURE ISLAND CAUSEWAY UNIT 102 FAQs
What would the monthly payment be for 450 TREASURE ISLAND CAUSEWAY UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,164/mo — principal and interest, the actual property-tax bill, the $816/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 450 TREASURE ISLAND CAUSEWAY UNIT 102?+
The association fee works out to $816 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 450 TREASURE ISLAND CAUSEWAY UNIT 102?+
The most recent tax bill on record (2025) was $2,332. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 450 TREASURE ISLAND CAUSEWAY UNIT 102 be rented short-term?+
Yes — this home sits inside Island Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 450 TREASURE ISLAND CAUSEWAY UNIT 102?+
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 Treasure Island?+
At $315,000, this home is listed about 54% below the Treasure Island median of $679,500. The market section on this page shows how the area is trending.
Which schools are assigned to 450 TREASURE ISLAND CAUSEWAY UNIT 102?+
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 TREASURE ISLAND 33706 market on paper
$315,000 is 30% below the TREASURE ISLAND 33706 median of $449,900, and at $356/sqft it sits under the Treasure Island average of $599.
02Zoned for nightly rentals
Island Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Know the monthly fee
The association fee is $816/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 COLDWELL BANKER REALTY · Jamie Smith PA. MLS #TB8492122.
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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