220 40TH AVENUE, ST PETE BEACH, FL, 33706
Active36 days on marketListed Jun 19, 2026MLS #TB8521467
About this home
220 40TH AVENUE
The Blue Beach Cottage awaits you! Nothing has been left to the imagination and features upgrades exclusive to custom builds. Explore and revel in this extraordinary treasure. Enter into a spacious open concept living area, the adjacent kitchen welcomes you with glowing natural light. The kitchen and indoor laundry sport new upgraded and matching appliances while custom built-ins and shelving offer ample storage space and opportunities to display and showcase your own personal style. The primary suite is outfitted with a walk-in closet, private bath and additional make-up/styling nook. Two spacious guest bedrooms provide individual climate controls and closet systems. Nestled perfectly between the living area and laundry is a family/game room equipped with a beverage center and a custom built fifteen-foot banquette with storage. A water softener and a reverse osmosis purifier for drinking water make bottled water obsolete. Multiple entry points lead to a spacious backyard framed by a grand wrap-around patio that is ideal for grilling and entertaining, a chipping and putting green add to the backyard fun. An outdoor shower is ideally located next to a beach gear storage unit. The Blue Beach Cottage, in the Belle Vista neighborhood, is a mere 400 step walk to the sugary sands of St. Pete Beach. A private parking area for Belle Vista residents is also available at the intersection of 44th Ave and Gulf Blvd. Positioned conveniently between Pass-a-Grille, the Don and the shops of Corey Ave, the Blue Beach Cottage is a jewel seldom found. This home is more than just a turn-key gem it is unique with its custom upgrades and add-ons that will fit all tastes and styles. There will be no need for any remodel or reno work; any and everything one can conceive has been realized. This home is equipped with new central HVAC system and mini split units. Hurricane windows and custom shades were added in 2025. A new water heater, new plumbing, an in-ground irrigation system, outdoor lighting and enhanced electrical system added in 2025 and 2026 position this home to rival any new build. Listing agent is owner Mortgage Pre-Approval Letter or proof of funds (cash buyers) required prior to showing confirmation.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,506
Sqft
0.2 ac
Lot size
1949
Year built
One
Levels
$645
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.
$6,056 /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
$6,056/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
+30.1%
$/sqft vs St Pete Beach actives
$645 vs $490
Days on market
36 vs 85 typical
Where $645/sqft sits among the 186 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 → $589K
St Pete Beach median sold, yr/yr
93.3%
Sale-to-list ratio (12 mo)
94 of 186
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 116% 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 220 40TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$725,000
221 41ST AVENUE · same community
3 bd · 2 ba · 1,858 sqft · $390/sqft · 47 DOM
Sold · Jun ’26$695,000
6294 BAHIA DEL MAR CIRCLE UNIT 804
2 bd · 2 ba · 1,500 sqft · $463/sqft · 12 DOM
Sold · Apr ’26$840,000
106 23RD AVENUE
2 bd · 3 ba · 1,480 sqft · $568/sqft · 366 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 220 40TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 40TH 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.
Straight answers
220 40TH AVENUE FAQs
What would the monthly payment be for 220 40TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,056/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 220 40TH AVENUE?+
The most recent tax bill on record (2024) was $3,506. 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 Pete Beach?+
At $971,000, this home is listed about 62% 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 220 40TH AVENUE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP BEYOND · Jeffrey Sherrill. MLS #TB8521467.
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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