4639 MIRABELLA COURT, ST PETE BEACH, FL, 33706
Active23 days on marketListed Jul 15, 2026MLS #TB8529482
About this home
4639 MIRABELLA COURT
Virtually Staged. Rarely does a waterfront townhome offer this much flexibility, privacy, and value. This beautifully updated end-unit in the highly sought-after Mirabella community features breathtaking Boca Ciega Bay views, major 2025/2026 updates, and owner financing available for qualified buyers. Wake up to spectacular sunrises and enjoy watching dolphins and manatees from one of three private balconies, offering outdoor living on every level. One of the home's standout features is the private lower-level suite, making it ideal for multi-generational living, long-term guests, or an older child who wants their own space. Complete with a full bath, wet bar, and a queen Murphy bed with built-in closet storage and shelving, plus direct access to the waterfront patio, it offers endless possibilities. The main living level is designed for everyday living and entertaining, featuring an open floor plan filled with natural light, walls of glass showcasing the water views, and a beautifully updated kitchen with marble countertops, stainless steel appliances, induction cooktop, wine cooler, oversized porcelain farmhouse sink, and abundant cabinetry. The spacious living and dining areas seamlessly connect to the waterfront balcony, creating the perfect setting for morning coffee or evening cocktails. Upstairs, the spacious primary suite is a true retreat with soaring ceilings, panoramic water views, a sitting area, two walk-in closets, and a beautifully updated ensuite bath. Also on the upper level are an additional bedroom, a full bathroom, and a convenient laundry area, providing privacy and comfort for family or guests. Enjoy peace of mind knowing the major updates have already been completed, including a new tile roof (2025), new impact windows and sliding glass doors (2025/2026), fresh interior paint, and awnings. The oversized one-car garage and double-wide driveway provide plenty of parking for family and guests—an uncommon convenience for beach living. Storage is abundant with overhead garage storage, additional storage beneath the stairs, and attic storage above the primary bedroom. The home is also generator-ready, with the electrical infrastructure already installed for easy generator hookup. Mirabella offers the perfect coastal lifestyle with a heated community pool, fishing pier, kayak launch, day dock, guest parking, beautifully maintained grounds, and a pet-friendly community. The low HOA fee helps simplify ownership by covering water, trash, landscaping, and community maintenance. Located just a short walk to the sugar-sand beaches of St. Pete Beach, waterfront restaurants, shops, and entertainment, this home combines the relaxed Florida lifestyle with the convenience of deep-water boating and easy access to everything the Gulf Coast has to offer. Most of the furniture is negotiable, making it even easier to move in and start enjoying the waterfront lifestyle immediately. Whether you're looking for a full-time waterfront residence, a seasonal retreat, or a home with flexible living space for family and guests, this exceptional property offers the perfect combination of waterfront living, modern updates, and an unbeatable St. Pete Beach location.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,275
Sqft
0.06 ac
Lot size
1
Garage
1996
Year built
Three Or More
Levels
$509
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 and the real association fee — not generic estimates.
$8,344 /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
$8,344/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
+21.8%
$/sqft vs St Pete Beach actives
$509 vs $504
Days on market
23 vs 79 typical
Where $509/sqft sits among the 173 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 Mirabella
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 →
Mirabella — neighborhood snapshot
Population
292
Median age
64
Median income
$124,083
Median home value
$1,041,300
Avg household
2
Households w/ children
8%
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 173
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 158% 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 4639 MIRABELLA COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,185,000
4621 MIRABELLA COURT · same community
4 bd · 4 ba · 2,275 sqft · $521/sqft · 0 DOM
Sold · Mar ’26$920,000
4687 MIRABELLA COURT · same community
4 bd · 4 ba · 2,275 sqft · $404/sqft · 63 DOM
Sold · Aug ’25$880,000
4625 MIRABELLA COURT · same community
4 bd · 4 ba · 2,275 sqft · $387/sqft · 178 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 4639 MIRABELLA COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4639 MIRABELLA COURT — 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
4639 MIRABELLA COURT FAQs
What would the monthly payment be for 4639 MIRABELLA COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,344/mo — principal and interest, the actual property-tax bill, the $432/mo association fee 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.
How much are the HOA fees at 4639 MIRABELLA COURT?+
The association fee works out to $432 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4639 MIRABELLA COURT?+
The most recent tax bill on record (2025) was $12,756. 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 4639 MIRABELLA COURT?+
The listing reports pets: Breed Restrictions, Number Limit. 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 $1,159,000, this home is listed about 93% above 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 4639 MIRABELLA COURT?+
Boca Ciega High School (high), Azalea Elementary School (elementary), Bay Point Middle School (middle) — 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
$1,159,000 runs 158% above the ST PETE BEACH 33706 median — but at 2,275 sqft it's also nearly twice the size of 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, Azalea Elementary School, Bay Point Middle School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Gina McWilliams. MLS #TB8529482.
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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