David Ramirez
$399,9002 bd1,156 sqft$346 /sqft$3,031 /mo all-in ↓

316 76TH AVENUE, ST PETE BEACH, FL, 33706

Active23 days on marketListed Jul 2, 2026MLS #TB8523833

Priced 11% below the ST PETE BEACH 33706 medianDuplexST PETERSBURG BEACH REP

About this home

316 76TH AVENUE

This mid-century, masonry duplex sits in one of St. Pete Beach's most walkable pockets — a 3-4 minute stroll to Corey Avenue's shops, restaurants, and long-running Sunday Market, with Upham Beach's sand and Gulf water an easy bike ride or half-mile walk beyond. Across the street sits Horan Park and the city's family aquatic center, putting a beautifully maintained pool and waterfront green space just steps away — no private pool to maintain, just walk over and use theirs ... Original terrazzo floors run throughout, a genuine mid-century touch ... Two 1BR/1BA units plus a detached second structure occupy a 5,375 sf lot, with recent updates including 2018 central AC, new ductless mini-splits, and a new electric water heater ... Beyond those mechanical updates, this is a value-add opportunity — cosmetically and structurally, it's being offered as-is, priced to reflect the work ahead for the right buyer ... The parcel is zoned TC-1, and according to the city's schedule of permitted uses, this district allows for a range of neighborhood-commercial uses — office, retail, take-out and full-service dining, artist studios and galleries, printing/copying, and commercial kitchens among them, several requiring no conditional use hearing ... Buyers interested in exploring any change of use are encouraged to confirm scope and requirements directly with the City of St. Pete Beach Planning & Zoning Division as part of their due diligence ... The property also holds a distinctive spot on the block: the only residential use remaining, flanked by a retail building and a medical office, with a gas station just behind — a walkable, livable duplex today, with real long-term flexibility built into its zoning! HURRY on this rare and unique opportunity ... shown strictly by appointment ...

Facts & features

The home at a glance

2

Bedrooms

1,156

Sqft

0.12 ac

Lot size

1955

Year built

One

Levels

$346

Per sqft

Inside

FlooringTerrazzo
InteriorPrimary Bedroom Main Floor · Window Treatments
LaundryIn Garage
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric

Outside & construction

RoofOther
ConstructionBlock · Stucco
FoundationSlab
ParkingGarage Faces Side · Off Street · On Street · Open
ExteriorPrivate Entrance · Storage

Community & fees

Taxes (2025)$4,080/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Sewer Connected · Water Connected
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.

$3,031 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$340
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,997Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,997
Interest rate6.00%
Loan term

Estimated payment

$3,031/mo

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$340
Est. insurance$160

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.

$/sqft vs St Pete Beach actives

$346 vs $498

Days on market

23 vs 85 typical

Where $346/sqft sits among the 190 St Pete Beach actives

65 · this home
44
37
17
9
18
$278–422$422–567$567–712$712–856$856–1001$1001+

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 Corey Ave

Map of 316 76TH AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)38 min

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

Get to know St Pete Beach. See the full St Pete Beach guide →

Corey Ave — neighborhood snapshot

Population

172

Median age

62

Median income

$98,972

Median home value

$53,911

Avg household

2

For the school run

Pinellas County School District

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

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

The numbers that matter

The St Pete Beach market

Seller’s marketLeans buyer8.8 months of inventoryBuyer’s market

$679K$589K

St Pete Beach median sold, yr/yr

93.3%

Sale-to-list ratio (12 mo)

95 of 190

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 11% below the ST PETE BEACH 33706 median. See the full St Pete Beach market guide →

Paper trail

This home's history

Jul 2, 2026Listed at $399,900 · 23 days on market since
1955Built · ST PETERSBURG BEACH REP

Reality check

What actually sold near 316 76TH AVENUE

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

434 77TH AVENUESold · Apr ’26

$480,000

434 77TH AVENUE · same community

3 bd · 2 ba · 1,144 sqft · $420/sqft · 196 DOM

510 72ND AVENUESold · Mar ’26

$699,000

510 72ND AVENUE · same community

2 bd · 2 ba · 1,214 sqft · $576/sqft · 4 DOM

340 81ST AVENUESold · Oct ’25

$549,900

340 81ST AVENUE · same community

2 bd · 2 ba · 1,273 sqft · $432/sqft · 126 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 316 76TH 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 316 76TH 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

316 76TH AVENUE FAQs

What would the monthly payment be for 316 76TH AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,031/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 316 76TH AVENUE?+

The most recent tax bill on record (2025) was $4,080. 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 $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.

Which schools are assigned to 316 76TH AVENUE?+

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

Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Don Taylor. MLS #TB8523833.

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.

Never miss a listing

New St Pete Beach homes, in your inbox

Like 316 76TH AVENUE but not quite? A daily digest of every new listing in St Pete Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 25, 2026 at 3:21 PM UTC. The listing information on this page last changed on July 25, 2026 at 3:21 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 25, 2026 at 3:21 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 25, 2026 at 3:21 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.