420 64TH AVENUE UNIT 402E, ST PETE BEACH, FL, 33706
Active63 days on marketListed May 23, 2026MLS #TB8511642
About this home
420 64TH AVENUE UNIT 402E
Three Palms Pointe — Tropical coastal retreat with vacation vibes Nestled on iconic St. Pete Beach, the Gulf of Mexico is a short stroll away, inviting warm ocean breezes, vibrant sunsets, and a laid-back, social island vibe with nearby restaurants, shops, live music, and waterfront hangouts. This 2-bedroom, 2-bath condo (1131 sq ft) offers a bright, wide EASTERN exposure from the 4th floor, bringing in cheerful morning light. Great room flows to your private balcony with Plantation Shutters through glass sliders, and hurricane shutters add peace of mind and a touch of resort-style convenience not to mention beautiful sunsets! Kitchen updates sparkle with gorgeous countertops and fresh cabinets, creating a sunny, inviting space to gather. Primary Suite feels like a private oasis—with a waterview and generous in size with a vanity area, oversized walk-in closet, and ensuite bath with tub/shower. Laundry is convenient on the same floor, just steps from your front door. Parking and an extra storage unit are assigned with unit 402E, making everyday living easy. Three Palms Pointe amenities feel like a tropical clubhouse: Guard-gated entry for secure, relaxed living Heated pool surrounded by palms and lounge chairs Club room and billiards for casual get-togethers Fitness center to stay active in a breezy, resort-like setting Shuffleboard for playful afternoons Bicycle and kayak storage (additional fee) for freshwater-to-sea adventures Fishing pier for easy, sunset-friendly moments Boat slip rentals available by reservation, adding to the coastal lifestyle you. If you crave beachy, sun-kissed living with homey warmth, this is the place for you! Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,131
Sqft
4.29 ac
Lot size
1974
Year built
One
Levels
$354
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.
$3,968 /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
$3,968/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
−16.1%
$/sqft vs St Pete Beach actives
$354 vs $498
Days on market
63 vs 85 typical
Where $354/sqft sits among the 189 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 St Pete 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 →
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)
95 of 189
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 33% below the St Pete Beach median. See the full St Pete Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 420 64TH AVENUE UNIT 402E
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$265,000
420 64TH AVENUE UNIT 307 · same community
2 bd · 2 ba · 1,131 sqft · $234/sqft · 119 DOM
Sold · Nov ’25$400,000
400 64 AVENUE UNIT 1207 · same community
2 bd · 2 ba · 1,131 sqft · $354/sqft · 41 DOM
Sold · Oct ’25$360,000
400 64TH AVENUE UNIT 502 · same community
2 bd · 2 ba · 1,131 sqft · $318/sqft · 29 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 420 64TH AVENUE UNIT 402E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 64TH AVENUE UNIT 402E — 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
420 64TH AVENUE UNIT 402E FAQs
What would the monthly payment be for 420 64TH AVENUE UNIT 402E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,968/mo — principal and interest, the actual property-tax bill, the $865/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 420 64TH AVENUE UNIT 402E?+
The association fee works out to $865 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 64TH AVENUE UNIT 402E?+
The most recent tax bill on record (2025) was $4,947. 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 420 64TH AVENUE UNIT 402E?+
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 St Pete Beach?+
At $399,900, this home is listed about 33% below the St Pete Beach median of $599,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the St Pete Beach market on paper
$399,900 is 33% below the St Pete Beach median of $599,000, and at $354/sqft it sits under the St Pete Beach average of $589.
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 $865/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of JAY ALAN REAL ESTATE · Jay Phillips. MLS #TB8511642.
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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