980 BOCA CIEGA ISLE DRIVE, ST PETE BEACH, FL, 33706
Active33 days on marketListed Jul 5, 2026MLS #TB8525753
About this home
980 BOCA CIEGA ISLE DRIVE
Experience the best of waterfront living in this beautifully updated 4-bedroom, 2-bath home at the quiet end of desirable Boca Ciega Isle. Boasting 96 feet of Intracoastal waterfront, this exceptional property captures breathtaking open-water views, unforgettable sunsets, and the relaxed coastal lifestyle St. Pete Beach is known for. The bright, open floor plan is designed for effortless entertaining, seamlessly connecting spacious living areas to an incredible waterfront outdoor retreat featuring a covered grilling area, private hot tub, outdoor shower, and multiple spaces to relax or gather with family and friends. A bonus room overlooking the water provides the perfect setting for a home office, media room, or peaceful retreat with spectacular views. Spend your days on the water with the convenience of both a boat lift and jet ski lift, then return home just minutes from the award-winning beaches, local restaurants, and vibrant island attractions. An oversized 2-car garage along with additional storage sheds provide plenty of room for vehicles, beach gear, and water toys. Whether you’re enjoying your morning coffee by the water, entertaining at sunset, or heading out for a day on the boat, this exceptional waterfront home offers the Florida lifestyle at its finest.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,793
Sqft
0.2 ac
Lot size
2
Garage
1968
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$229 /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
$229/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$3 vs $510
Days on market
33 vs 79 typical
Where $3/sqft sits among the 176 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 → $553K
St Pete Beach median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
82 of 176
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 98% below 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 980 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 · Apr ’26$1,675,000
980 BOCA CIEGA ISLE DRIVE · same community
4 bd · 2 ba · 2,793 sqft · $600/sqft · 117 DOM
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
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 980 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 980 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
980 BOCA CIEGA ISLE DRIVE FAQs
What would the monthly payment be for 980 BOCA CIEGA ISLE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $229/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 980 BOCA CIEGA ISLE DRIVE?+
The listing reports pets: Breed Restrictions, Dogs OK, Pet Deposit, Size Limit, 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 St Pete Beach?+
At $9,500, this home is listed about 98% below the St Pete Beach median of $599,900. The market section on this page shows how the area is trending.
Which schools are assigned to 980 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
01Under the ST PETE BEACH 33706 market on paper
$9,500 is 98% below the ST PETE BEACH 33706 median of $448,500, and at $3/sqft it sits under the St Pete Beach average of $580.
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 CHARLES RUTENBERG REALTY INC · Natalya Halprin. MLS #TB8525753.
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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