4200 BEACH DRIVE SE, ST PETERSBURG, FL, 33705
Active111 days on marketListed Apr 17, 2026MLS #TB8498862
About this home
4200 BEACH DRIVE SE
Welcome to this beautifully updated 3-bed, 2-bath coastal retreat in one of St. Petersburg’s most desirable waterfront communities. With thoughtfully designed living space, this home blends relaxed Florida style with modern comfort — perfect for everyday living or effortless entertaining. Step inside and you’re greeted by warm, continuous flooring and an open, airy layout that instantly feels inviting. The bright living area flows naturally toward the water, creating a serene backdrop for gatherings or quiet mornings at home. The spacious primary suite offers a peaceful escape with its private ensuite bath and generous layout. Two additional bedrooms provide flexibility for guests, a home office, or creative space, while the second full bath ensures convenience for everyone. Outside, the property truly shines. From the covered patio with a cozy fireplace, enjoy expansive bay views stretching beyond the protected canal, where tranquil waters meet the horizon — the perfect backdrop for morning coffee or sunset gatherings. Located just minutes to vibrant downtown St. Pete and the area's award-winning beaches, this home offers the perfect balance of peaceful waterfront living and unbeatable convenience. With its coastal charm, inviting curb appeal, and thoughtful updates, this is the kind of place where the Florida lifestyle begins the moment you move in. This home has NOT experienced any water intrusion from any previous storm.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,784
Sqft
0.22 ac
Lot size
2
Garage
1974
Year built
One
Levels
$642
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.
$7,236 /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
$7,236/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
+132.2%
$/sqft vs St Petersburg actives
$642 vs $324
Days on market
111 vs 55 typical
Where $642/sqft sits among the 400 St Petersburg 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 Coquina Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Coquina Key — neighborhood snapshot
Population
4,069
Median age
46
Median income
$104,283
Median home value
$329,549
Avg household
2
Households w/ children
309
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 Petersburg market
$380K → $420K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
211 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 282% above the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4200 BEACH DRIVE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$1,025,000
537 DOLPHIN AVENUE SE · same community
3 bd · 2 ba · 1,870 sqft · $548/sqft · 307 DOM
Sold · May ’26$425,000
4356 TARPON DRIVE SE · same community
4 bd · 2 ba · 1,905 sqft · $223/sqft · 9 DOM
Sold · Oct ’25$1,075,000
562 LEWIS BOULEVARD SE · same community
3 bd · 2 ba · 1,986 sqft · $541/sqft · 25 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 4200 BEACH DRIVE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4200 BEACH DRIVE SE — 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
4200 BEACH DRIVE SE FAQs
What would the monthly payment be for 4200 BEACH DRIVE SE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,236/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 4200 BEACH DRIVE SE?+
The most recent tax bill on record (2025) was $5,615. 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 St Petersburg?+
At $1,145,000, this home is listed about 162% above the St Petersburg median of $437,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4200 BEACH DRIVE SE?+
Lakewood Elementary School (elementary), Lakewood High School (high), Bay Point Middle School (middle) — 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
$1,145,000 runs 282% above the ST PETERSBURG 33705 median — but at 1,784 sqft it's also 32% larger than the typical St Petersburg listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
111 days on market against a St Petersburg median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,185,000, now $1,145,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Jeff Joyner, X. MLS #TB8498862.
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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