403 GULF WAY UNIT 304, ST PETE BEACH, FL, 33706
Active109 days on marketListed Apr 15, 2026MLS #TB8498204
About this home
403 GULF WAY UNIT 304
Welcome to your opportunity to own a piece of St. Pete Beach at 403 Gulf Way, Unit 304. This 2-bedroom, 2-bath condo offers the rare combination of major updates already completed with the ability to add your own personal style. All post-storm repairs have been professionally addressed, providing peace of mind for the next owner. Recent improvements include new HVAC, new impact windows, updated bathrooms, and new flooring throughout. The kitchen has been left ready for your vision, giving you the flexibility to design a space that truly fits your taste and lifestyle. Whether you’re looking for a full-time residence, vacation retreat, or investment opportunity, this unit offers a strong foundation with room to make it your own. And then there are the views! Enjoy the coastal setting and the beach atmosphere of Pass-A-Grille If you’ve been searching for a property where the hard work is done and the fun part is still yours, this is one you won’t want to miss. Motivated Seller offering a $5,000 concession to the buyer to use towards closing costs, prepaids or interest rate buy down!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,120
Sqft
0.4 ac
Lot size
1974
Year built
One
Levels
$606
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.
$5,674 /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
$5,674/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
+44.1%
$/sqft vs St Pete Beach actives
$606 vs $509
Days on market
109 vs 85 typical
Where $606/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 Pass-a-grille 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 →
Pass-a-grille Beach — neighborhood snapshot
Population
824
Median age
61
Median income
$106,407
Median home value
$748,033
Avg household
2
Households w/ children
66%
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 → $589K
St Pete Beach median sold, yr/yr
93.3%
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 51% above 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 403 GULF WAY UNIT 304
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$575,000
403 GULF WAY UNIT 403 · same community
2 bd · 1 ba · 1,010 sqft · $569/sqft · 295 DOM
Sold · Mar ’26$400,000
719 PINELLAS BAYWAY S UNIT 305
2 bd · 2 ba · 1,110 sqft · $360/sqft · 49 DOM
Sold · Mar ’26$365,000
719 PINELLAS BAYWAY S UNIT 309
2 bd · 2 ba · 1,110 sqft · $329/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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 403 GULF WAY UNIT 304 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 403 GULF WAY UNIT 304 — 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
403 GULF WAY UNIT 304 FAQs
What would the monthly payment be for 403 GULF WAY UNIT 304?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,674/mo — principal and interest, the actual property-tax bill, the $1,070/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 403 GULF WAY UNIT 304?+
The association fee works out to $1,070 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 403 GULF WAY UNIT 304?+
The most recent tax bill on record (2025) was $6,307. 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 403 GULF WAY UNIT 304?+
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 St Pete Beach?+
At $679,000, this home is listed about 13% above the St Pete Beach median of $599,000. The market section on this page shows how the area is trending.
Which schools are assigned to 403 GULF WAY UNIT 304?+
Boca Ciega High School (high), Bay Point Middle School (middle), Azalea Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$679,000 runs 51% above the ST PETE BEACH 33706 median.
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 $1,070/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Boca Ciega High School, Bay Point Middle School, Azalea Elementary School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $739,500, now $679,000 — a $61K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME GIRLS & GUYS REALTY · Tiffany Shillingford. MLS #TB8498204.
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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