
3945 POINSETTIA DRIVE, ST PETE BEACH, FL, 33706
Active107 days on marketListed Apr 23, 2026MLS #TB8498461
About this home
3945 POINSETTIA DRIVE
There are waterfront homes... and then there are homes that transport you somewhere else entirely. Hidden behind swaying royal palms and lush tropical gardens, on a large corner lot, this extraordinary Spanish Mediterranean waterfront estate evokes the romance of an Italian villa while embracing the beauty of St. Pete Beach living. From the moment you arrive, the circular drive, tranquil courtyard fountain, handcrafted architectural details, and mature botanical gardens create an atmosphere that feels worlds away from everyday life. Steeped in local lore, this Belle Vista estate is said to have once hosted elegant gatherings under the ownership of a British noble. Whether legend or fact, the home still feels perfectly designed for unforgettable evenings with family and friends. Architectural artistry unfolds throughout with graceful archways, decorative friezes, soaring ceilings, textured walls, artisan niches, distinctive quatrefoil windows, and a dramatic curved wrought-iron staircase that creates an unforgettable first impression. Rich craftsmanship and timeless character define every space. Designed for both everyday living and grand entertaining, the residence offers five bedrooms, including dual primary suites—one on each level—providing exceptional flexibility for guests or multi-generational living. The formal living room is anchored by a magnificent carved stone fireplace, while walls of glass frame sparkling water views throughout the home. At the heart of the residence, the chef's kitchen combines elegance and function with a Monogram professional refrigerator, GE Café six-burner gas range, convection oven, warming drawer, Bosch dishwasher, custom cabinetry, Brazilian granite countertops, integrated wine refrigeration, and a stunning brick-lined wine grotto that serves as both art and conversation piece. Just beyond, the custom waterfront bar and piano room invite evenings filled with music, conversation, and breathtaking sunsets over Boca Ciega Bay. Upstairs, the luxurious primary suite offers a private waterfront balcony, spa-inspired bath with a freestanding soaking tub, custom multi-head shower, and designer finishes that create a true owner's retreat. Outside, winding garden paths, colorful flowering landscapes, peaceful courtyards, and professionally designed landscape lighting transform the property into a private Mediterranean-inspired sanctuary. The resort-style pool with waterfall spa, expansive entertaining decks, and elevated observation terrace create the perfect setting for both intimate gatherings and large celebrations. Boaters will appreciate deep-water access, a private dock with a 12,000-pound lift, and quick access to the Intracoastal Waterway and the Gulf of Mexico. Thoughtfully updated throughout, the home features an Eagle tile roof, smart home technology, propane system, updated water heaters, enhanced pool systems, integrated landscape lighting, and numerous designer upgrades that preserve its timeless architectural integrity while providing modern comforts. Ideally located just moments from award-winning Gulf beaches, renowned dining, shopping, golf, downtown St. Petersburg, and Tampa International Airport, this remarkable residence offers a rare opportunity to own not simply a waterfront home, but a Mediterranean estate where timeless architecture, exceptional craftsmanship, lush gardens, and waterfront living come together to create an experience that is truly unforgettable.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,892
Sqft
0.3 ac
Lot size
2
Garage
1971
Year built
Two
Levels
$811
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.
$14,285 /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
$14,285/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 St Pete Beach actives
$811 vs $509
Days on market
107 vs 79 typical
Where $811/sqft sits among the 174 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 Belle Vista
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 →
Belle Vista — neighborhood snapshot
Population
1,335
Median age
59
Median income
$137,596
Median home value
$746,300
Avg household
2
Households w/ children
89%
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 → $553K
St Pete Beach median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
82 of 174
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 423% 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 3945 POINSETTIA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$725,000
390 BELLE POINT DRIVE · same community
4 bd · 3 ba · 2,022 sqft · $359/sqft · 3 DOM
Sold · Jul ’26$950,000
380 BELLE POINT DRIVE · same community
2 bd · 2 ba · 1,379 sqft · $689/sqft · 164 DOM
Sold · Dec ’25$940,000
221 42ND AVENUE
5 bd · 3.5 ba · 2,956 sqft · $318/sqft · 127 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 3945 POINSETTIA DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3945 POINSETTIA 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
3945 POINSETTIA DRIVE FAQs
What would the monthly payment be for 3945 POINSETTIA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,285/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 3945 POINSETTIA DRIVE?+
The most recent tax bill on record (2025) was $7,177. 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 3945 POINSETTIA 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 St Pete Beach?+
At $2,344,000, this home is listed about 291% above the St Pete Beach median of $599,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3945 POINSETTIA DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$2,344,000 runs 423% above the ST PETE BEACH 33706 median — but at 2,892 sqft it's also nearly twice the size of the typical St Pete Beach 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
Boca Ciega High School, Bay Point Middle School, Azalea Elementary School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $2,394,000, now $2,344,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Tina Herrell. MLS #TB8498461.
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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