1040 PALM DRIVE, BELLEAIR BEACH, FL, 33786
Active1 days on marketListed Aug 4, 2026MLS #TB8534927
About this home
1040 PALM DRIVE
Welcome to 1040 Palm Drive Belleair Beach — a coastal retreat just steps away from Pinellas County's world-renowned sugar-sand beaches and close to restaurants, shopping, and more. Every room has been fully renovated with beautiful high-end finishes; no expense was spared blending classic Florida charm with modern luxury. Step inside and be captivated by the chef-inspired kitchen with quartz countertops, top of the line appliances, an oversized island, coffee bar, and if it couldn’t get any better a walk-in pantry. With 2341 sq. ft. of living space this home offers 3 bedrooms, 3 full baths, a formal living room, and an enormous family room with a wood burning fireplace [the perfect backdrop for the holidays]. The thoughtful open-concept floor plan is perfect for hosting dinners, holidays, and out of town guests. Step into the serene primary suite, set apart from the guest wing, featuring a luxurious ensuite bathroom and direct access to the spacious screened-in lanai. The two guest bedrooms are generously sized with ample walk-in closets and a stylish Jack-and-Jill bath, while skylights bathe one room in natural Florida sunshine. Designed for the true Florida lifestyle — bright, airy, and impeccably finished — this home has been meticulously maintained throughout. And the outside gets even better with three additional gathering spaces in this resort-style, outside oasis. One of the most peaceful spaces is the lanai - picture yourself drinking a glass of wine by the outdoor wood burning fireplace [yes, another fireplace], or after a long day at the beach, relaxing in the brand-new hot tub, or maybe have a luncheon surrounded by lush tropical landscaping. The possibilities are endless on the oversized corner lot property. This home is a must see because the pictures can't possibly do it justice! Additional highlights include sky light, exterior security cameras, a vinyl privacy fence, two-car garage with new epoxy flooring, and a storage shed.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,341
Sqft
0.24 ac
Lot size
2
Garage
1972
Year built
One
Levels
$507
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.
$7,393 /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
$7,393/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
+122.4%
$/sqft vs Belleair Beach actives
$507 vs $660
Days on market
1 vs 67 typical
Where $507/sqft sits among the 32 Belleair 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 Belleair Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Belleair Beach. See the full Belleair Beach guide →
BELLEAIR BEACH 33786 — neighborhood snapshot
Population
1,564
Median age
57.8
Median income
$140,417
Median home value
$1,022,700
Avg household
2.26
Households w/ children
114
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Belleair Beach market
$705K → $850K
Belleair Beach median sold, yr/yr
92.9%
Sale-to-list ratio (12 mo)
19 of 32
Belleair Beach actives have cut their price
Median sold price, Belleair Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% above the BELLEAIR BEACH 33786 median. See the full Belleair Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 1040 PALM 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$393,000
123 9TH STREET · same community
2 bd · 2 ba · 1,409 sqft · $279/sqft · 24 DOM
Sold · Mar ’26$1,725,000
3141 HIBISCUS DRIVE W · same community
4 bd · 3.5 ba · 3,341 sqft · $516/sqft · 193 DOM
Sold · Sep ’25$390,000
103 9TH STREET · same community
2 bd · 2 ba · 1,336 sqft · $292/sqft · 53 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 1040 PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1040 PALM 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
1040 PALM DRIVE FAQs
What would the monthly payment be for 1040 PALM DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,393/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 1040 PALM DRIVE?+
The most recent tax bill on record (2025) was $4,590. 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 Belleair Beach?+
At $1,187,000, this home is listed about 9% below the Belleair Beach median of $1,300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1040 PALM DRIVE?+
Mildred Helms Elementary School (elementary), Largo High School (high), Largo 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
$1,187,000 runs 52% above the BELLEAIR BEACH 33786 median.
02Fresh on the market
Only 1 day on market in a Belleair Beach market that averages 67 — if it fits, move quickly.
03Strong assigned schools
Mildred Helms Elementary School, Largo High School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Kimberly Way-Haggerty. MLS #TB8534927.
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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