
970 BOCA CIEGA ISLE DRIVE, ST PETE BEACH, FL, 33706
Active43 days on marketListed Jun 23, 2026MLS #TB8522190
About this home
970 BOCA CIEGA ISLE DRIVE
Exceptional waterfront opportunity on beautiful Boca Ciega Isle in St. Pete Beach. Featuring approximately 84 feet of waterfront frontage, a newer seawall, and breathtaking open water views across Boca Ciega Bay toward downtown St. Petersburg, this three-story residence presents a rare chance to reimagine, renovate, enjoy as-is while completing improvements, or design and build a future custom waterfront estate in one of the area’s most desirable coastal communities. The property experienced flood damage during the 2024 hurricanes and is being offered as-is, creating an outstanding opportunity for buyers seeking flexibility, vision, and premier waterfront positioning. The existing residence offers a versatile multi-level layout with tremendous potential. The first level consists of approximately 995 sq ft. and includes a two-car garage, expansive storage areas, laundry, and bathroom. The oversized driveway provides additional parking for approximately four vehicles. A stunning floor-to-ceiling stone feature wall extends alongside the staircase, creating a dramatic architectural focal point that carries through the home’s vertical design. The second living level features an open-concept great room design with kitchen, living, and dining areas positioned to maximize the stunning water views, along with a waterfront breakfast nook, remodeled guest bath, and guest bedrooms with luxury vinyl plank flooring already installed. The expansive great room remains ready for completion, offering the next owner the opportunity to customize finishes and design details to their preferences. The entire third floor is dedicated to the primary suite, highlighted by panoramic water views, a private waterfront balcony, and a remodeled primary bath retreat. Additional features include multi-zone air conditioning systems with elevated A/C components, along with an elevated electrical panel, offering improvements that may appeal to buyers planning future renovations or long-term ownership. Whether the vision is completing the existing structure for immediate or future enjoyment, creating a seasonal waterfront escape, holding as a long-term investment, or constructing a new luxury coastal residence, the possibilities here are extensive. The generous waterfront setting offers the ideal backdrop for outdoor living, boating, entertaining, and enjoying the Florida waterfront lifestyle. Boca Ciega Isle is ideally located near the sugar sand beaches of St. Pete Beach, waterfront dining, marinas, shopping, parks, and entertainment, with convenient access to the iconic Don CeSar Hotel, Fort De Soto Park, Pass-a-Grille, and downtown St. Petersburg. The location combines the privacy of a waterfront island community with convenient access to boating, fishing, Gulf beaches, waterfront recreation, and the many dining and entertainment options throughout the Tampa Bay area. All information is believed to be accurate but is not guaranteed. Buyers and agents to verify all facts and information pertinent to their purchase decision.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,190
Sqft
0.19 ac
Lot size
2
Garage
1982
Year built
Multi/Split
Levels
$765
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.
$11,496 /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
$11,496/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
+78.2%
$/sqft vs St Pete Beach actives
$765 vs $509
Days on market
43 vs 83 typical
Where $765/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 Boca Ciega Isle
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 →
Boca Ciega Isle — neighborhood snapshot
Population
159
Median age
64
Median income
$124,083
Median home value
$1,041,300
Avg household
2
Households w/ children
2%
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 → $543K
St Pete Beach median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
84 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 272% 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 970 BOCA CIEGA ISLE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$805,000
720 BOCA CIEGA ISLE DRIVE · same community
3 bd · 2 ba · 2,046 sqft · $393/sqft · 23 DOM
Sold · Mar ’26$400,000
1015 BOCA CIEGA ISLE DRIVE · same community
3 bd · 2 ba · 1,855 sqft · $216/sqft · 27 DOM
Sold · Oct ’25$1,050,000
1310 BOCA CIEGA ISLE DRIVE · same community
3 bd · 2.5 ba · 1,711 sqft · $614/sqft · 217 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 970 BOCA CIEGA ISLE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 970 BOCA CIEGA ISLE 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
970 BOCA CIEGA ISLE DRIVE FAQs
What would the monthly payment be for 970 BOCA CIEGA ISLE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,496/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 970 BOCA CIEGA ISLE DRIVE?+
The most recent tax bill on record (2025) was $20,041. 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 $1,675,000, this home is listed about 168% above the St Pete Beach median of $625,000. The market section on this page shows how the area is trending.
Which schools are assigned to 970 BOCA CIEGA ISLE 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
Three things that matter here
01Positioned at the premium end
$1,675,000 runs 272% above the ST PETE BEACH 33706 median — but at 2,190 sqft it's also 72% larger than 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.
Keep looking
Similar homes nearby
Listing courtesy of RESULTS REAL ESTATE INC · Stephanie See. MLS #TB8522190.
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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