130 86TH TERRACE, TREASURE ISLAND, FL, 33706
Active114 days on marketListed Apr 10, 2026MLS #TB8495538
About this home
130 86TH TERRACE
Live by the beach while having your tenants cover the expenses! When you step into one of these three units, you'll be captivated by the meticulous attention to detail and a multitude of modern upgrades that make this property a true gem in the heart of Sunset Beach. With a brand new roof and AC system installed in 2024, you can enjoy worry-free living. Enhanced security and energy efficiency are ensured by the new hurricane windows, while the high and dry electric panels guarantee safety and functionality. Each unit features three high-efficiency tankless water heaters, providing instant hot water for your convenience and peace of mind. The lower units are thoughtfully designed with durable stucco walls, custom PVC cabinets, and removable closet doors that facilitate easy preparation and organization. Additionally, the clever furniture pulley system allows you to lift and store furniture. Don’t miss out on the opportunity to own this beautifully upgraded property, just steps away from the stunning Gulf of Mexico. Schedule your showing today and experience the perfect blend of comfort, style, and modern living! Check out the virtual tour or ask for a video walk through!
Facts & features
The home at a glance
6
Bedrooms
4
Bathrooms
2,298
Sqft
0.07 ac
Lot size
1946
Year built
Two
Levels
$522
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.
$7,913 /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
$7,913/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.
$/sqft vs Treasure Island actives
$522 vs $521
Days on market
114 vs 74 typical
Where $522/sqft sits among the 171 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)
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 167% 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 130 86TH TERRACE
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$950,000
10230 TARPON DRIVE
5 bd · 3 ba · 2,168 sqft · $438/sqft · 6 DOM
Sold · Apr ’26$1,130,000
7013 BOCA CIEGA DRIVE
5 bd · 5 ba · 2,780 sqft · $406/sqft · 284 DOM
Sold · May ’26$1,650,000
650 70TH AVENUE
6 bd · 4 ba · 2,938 sqft · $562/sqft · 281 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 130 86TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 130 86TH TERRACE — 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
130 86TH TERRACE FAQs
What would the monthly payment be for 130 86TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,913/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 130 86TH TERRACE?+
The most recent tax bill on record (2025) was $9,930. 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 $1,200,000, this home is listed about 82% 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 130 86TH TERRACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of FOREVER FLORIDA REAL ESTATE · Kailey Blackbourn. MLS #TB8495538.
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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