5445 GULF BOULEVARD UNIT PH1, ST PETE BEACH, FL, 33706
Active202 days on marketListed Jan 16, 2026MLS #A4678571
About this home
5445 GULF BOULEVARD UNIT PH1
Experience the pinnacle of coastal luxury in this rare penthouse residence perfectly located in the heart of world famous St. Pete Beach. Rising above the shoreline with commanding views of both the Gulf and the Intracoastal Waterway, this top floor sanctuary offers an elevated lifestyle that is nearly impossible to replicate. This penthouse delivers the sense of scale, privacy, and sophistication typically reserved for exclusive high rise living, while maintaining the charm and warmth of a boutique beachfront community. From the moment you step inside, you’re greeted by natural light pouring through impact resistant windows, framing sweeping water vistas from nearly every angle. Morning sunrises shimmer across the Intracoastal, while evenings bring the breathtaking spectacle of Gulf sunsets painting the sky in gold, coral, and violet. Whether you’re enjoying a quiet coffee, hosting guests, or unwinding after a day on the sand, the views create an atmosphere of effortless luxury. Just steps from your door, the soft sand and turquoise waters of St. Pete Beach await, consistently ranked among the best beaches in the country. This coveted location places you in the middle of the area’s finest dining, boutique shopping, live music, beach bars, and endless recreation. From paddleboarding and parasailing to sunset cruises and waterfront dining, every day offers a new way to indulge in the coastal lifestyle. The community itself is impeccably maintained and rich with resort style amenities. Enjoy pickleball and tennis courts, a heated pool and spa, a charming gazebo, BBQ grilling areas, shuffleboard, and an observation dock ideal for fishing or watching dolphins glide by. With an on site office and professional management, ownership is seamless, whether you choose to live here full time, enjoy it as a personal retreat, or maximize its potential as a high performing investment. A standout feature of this property is its flexible 3-night minimum rental policy, a rarity in such a premium location. This opens the door to exceptional income opportunities, especially given the penthouse’s size, views, and proximity to the beach. Investors will appreciate the strong demand for short term luxury accommodations, while owner occupants will love the ability to offset costs when not in residence. This penthouse is more than a home, it’s a statement of style, a gateway to an extraordinary coastal lifestyle, and a versatile asset with remarkable earning potential. Whether you envision a private beachfront escape, an amazing full time residence, or a luxury investment property, this top floor masterpiece delivers an unparalleled blend of elegance, comfort, and opportunity in one of Florida’s most desirable destinations.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,220
Sqft
2.08 ac
Lot size
1995
Year built
One
Levels
$861
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.
$8,523 /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
$8,523/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.
$/sqft vs St Pete Beach actives
$861 vs $509
Days on market
202 vs 79 typical
Where $861/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 St Pete Beach
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 →
ST PETE BEACH 33706 — neighborhood snapshot
Population
15,347
Median age
62.2
Median income
$97,364
Median home value
$616,800
Avg household
1.79
Households w/ children
453
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)
82 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 134% 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 5445 GULF BOULEVARD UNIT PH1
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$540,000
5445 GULF BOULEVARD UNIT 210 · same community
2 bd · 2 ba · 800 sqft · $675/sqft · 86 DOM
Sold · Apr ’26$575,000
5445 GULF BOULEVARD UNIT 402 · same community
2 bd · 2 ba · 800 sqft · $719/sqft · 64 DOM
Sold · Sep ’25$790,000
4270 BELLE VISTA DRIVE
2 bd · 2 ba · 1,245 sqft · $635/sqft · 0 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5445 GULF BOULEVARD UNIT PH1 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5445 GULF BOULEVARD UNIT PH1 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5445 GULF BOULEVARD UNIT PH1 FAQs
What would the monthly payment be for 5445 GULF BOULEVARD UNIT PH1?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,523/mo — principal and interest, the actual property-tax bill, the $1,373/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 5445 GULF BOULEVARD UNIT PH1?+
The association fee works out to $1,373 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5445 GULF BOULEVARD UNIT PH1?+
The most recent tax bill on record (2024) was $11,164. 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 5445 GULF BOULEVARD UNIT PH1?+
The listing reports pets: No. 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 $1,050,000, this home is listed about 75% 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 5445 GULF BOULEVARD UNIT PH1?+
Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,050,000 runs 134% above the ST PETE BEACH 33706 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,373/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
202 days on market against a St Pete Beach median of 79 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Azalea Middle School, Azalea Elementary School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED SHORE LLC · Mike Pilarczyk. MLS #A4678571.
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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