David Ramirez
$998,9003 bd2 ba1,976 sqft$506 /sqft$6,195 /mo all-in ↓

720 115TH AVENUE, TREASURE ISLAND, FL, 33706

Active48 days on marketListed Jun 15, 2026MLS #TB8517344

WaterfrontSingle Family ResidenceISLE OF PALMS 2ND ADD

About this home

720 115TH AVENUE

Welcome home to this bright and inviting waterfront family home, ideally situated in the desirable Isle of Palms in Treasure Island. This 3-bedroom, 2-bath residence has been fully remodeled, featuring upgraded kitchen and bathrooms, new flooring, a new roof 2025, and all brand-new appliances. Thoughtfully designed to allow your personal touch, it is just 5 minutes from the soft sands of the Gulf beaches and a short drive to the vibrant St. Petersburg area. Enjoy daily wildlife sightings, including birds, dolphins, and manatees, as well as boating opportunities. Priced to sell and ready for your offer—schedule your private showing today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,976

Sqft

0.18 ac

Lot size

2

Garage

1970

Year built

One

Levels

$506

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringTile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofBuilt-Up · Shingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingDriveway
ExteriorNone

Community & fees

Taxes (2025)$3,250/yr
PetsYes
CommunityFishing · Intracoastal Waterway · Playground · Sidewalks

Utilities & systems

UtilitiesElectricity Available · Electricity Connected · Public · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,195 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,390
PMI (est., until 20% equity)$375
Property tax — 2025 actual bill$271
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $99,890Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $99,890
Interest rate6.00%
Loan term

Estimated payment

$6,195/mo

Principal & interest$5,390
PMI (est., until 20% equity)$375
Property taxes (actual bill)$271
Est. insurance$160

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.

List $999K
$959KedgeAI estimate $1,286,004 · range $1.3M$1.3M$1.4M

vs edgeAI estimate

−22.3%

$/sqft vs Treasure Island actives

$506 vs $522

Days on market

48 vs 74 typical

Where $506/sqft sits among the 171 Treasure Island actives

54
43 · this home
23
19
15
17
$232–393$393–555$555–716$716–877$877–1038$1038+

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 Isle Of Palms

Map of 720 115TH AVENUE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)42 min
Downtown Tampa43 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Treasure Island. See the full Treasure Island guide →

Isle Of Palms — neighborhood snapshot

Population

1,143

Median age

62

Median income

$75,139

Median home value

$908,900

Avg household

2

Households w/ children

50%

For the school run

Pinellas County School District

ElementaryAzalea Elementary School★★★★
MiddleAzalea Middle School★★★★
HighBoca Ciega High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Treasure Island market

Seller’s marketLeans buyer12.4 months of inventoryBuyer’s market

$685K$648K

Treasure Island median sold, yr/yr

93.5%

Sale-to-list ratio (12 mo)

97 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 122% above the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →

Paper trail

This home's history

Jun 15, 2026Listed at $998,900 · 48 days on market since
1970Built · ISLE OF PALMS 2ND ADD

Reality check

What actually sold near 720 115TH AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

635 115TH AVENUESold · Apr ’26

$1,364,000

635 115TH AVENUE · same community

4 bd · 2.5 ba · 2,007 sqft · $680/sqft · 219 DOM

11240 6TH STREET ESold · Oct ’25

$737,000

11240 6TH STREET E · same community

2 bd · 2 ba · 1,892 sqft · $390/sqft · 74 DOM

800 115TH AVENUESold · Dec ’25

$680,000

800 115TH AVENUE · same community

3 bd · 2 ba · 1,825 sqft · $373/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 720 115TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 720 115TH AVENUE — 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.

Goes straight to David’s phone and CRM.

Straight answers

720 115TH AVENUE FAQs

What would the monthly payment be for 720 115TH AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,195/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 720 115TH AVENUE?+

The most recent tax bill on record (2025) was $3,250. 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 720 115TH AVENUE?+

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 Treasure Island?+

At $998,900, this home is listed about 52% 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 720 115TH AVENUE?+

Azalea Elementary School (elementary), Azalea Middle School (middle), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$998,900 runs 122% above the TREASURE ISLAND 33706 median — but at 1,976 sqft it's also 51% larger than the typical Treasure Island 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

Azalea Elementary School, Azalea Middle School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Heather Oyler. MLS #TB8517344.

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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