CENTURY 21 Edge
$440,000$545,0002 bd2 ba1,400 sqft$314 /sqft$3,358 /mo all-in ↓

409 BOCA CIEGA POINT BOULEVARD S UNIT 409, ST PETERSBURG, FL, 33708

Active282 days on marketListed Nov 9, 2025MLS #TB8444145

Priced 7% below the ST PETERSBURG 33708 medianReduced $105KWaterfrontPrivate poolCondominiumBOCA CIEGA POINT

About this home

409 BOCA CIEGA POINT BOULEVARD S UNIT 409

Some of the phots have been Virtually Staged. Luxurious Waterfront Condominium in Gated St. Petersburg Community — Large Private Dock Included! Welcome to your dream coastal retreat! This beautifully remodeled 2-bedroom, 2-bath condominium offers 1,400 square feet of thoughtfully designed living space in one of St. Petersburg’s most desirable gated waterfront communities. Every detail has been carefully updated to combine modern comfort with relaxed Florida style. New Rheem Hot water heater, all new hurricane enforced sliders As you approach the property, you’ll be greeted by a welcoming court area at the entrance, providing an inviting and private transition into your home. Step inside to an open-concept layout filled with natural light and expansive water views from the living room, dining area, and primary bedroom and there's 2 Walk-in closets. The spacious living and dining areas flow seamlessly into a completely renovated kitchen featuring brand-new stainless appliances, elegant granite countertops, custom cabinetry, and ample storage — a perfect space for cooking, entertaining, or simply enjoying your morning coffee. Both bathrooms have been tastefully upgraded with contemporary finishes, stylish tile work, and premium fixtures. The generous primary suite offers a tranquil retreat with beautiful waterfront views, a large closet, and a newly updated en-suite bath. The guest bedroom and second full bath provide comfort and privacy for family or visitors. Outdoor living is just as impressive. Enjoy breathtaking sunsets and serene waterfront scenes from your private dock, ideal for boating, fishing, or simply relaxing by the water. The attached garage provides secure parking and includes convenient laundry facilities, making daily living effortless. This gated community offers an array of resort-style amenities, including a clubhouse, heated pool, fitness center, sauna, pickleball and tennis courts, shuffleboard, and on-site management for peace of mind. The beautifully maintained grounds and friendly atmosphere make this a truly special place to call home. Maintenance fees include common area taxes, community pool, insurance, sewer, trash, and water — giving you more time to enjoy the things that matter most. Ideally located just minutes from the award-winning beaches of St. Petersburg, vibrant downtown dining, shops, and cultural attractions, this home offers the perfect balance of luxury, convenience, and coastal charm. Whether you’re seeking a full-time residence or a seasonal getaway, this move-in ready condo delivers the best of Florida living. A must see!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,400

Sqft

1 ac

Lot size

1

Garage

1971

Year built

One

Levels

$314

Per sqft

Private poolWaterfront55+ community

Inside

FlooringEngineered Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Microwave · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMembrane
ConstructionBlock · Concrete
FoundationSlab
FacesSouth
ExteriorCourtyard · Sliding Doors

Community & fees

Taxes (2024)$4,962/yr
CommunityClubhouse · Gated Community - No Guard · No Truck/RV/Motorcycle Parking · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public · 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.

$3,358 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property tax — 2024 actual bill$414
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,400Loan30-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% · $15,400
Interest rate6.00%
Loan term

Estimated payment

$3,358/mo

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property taxes (actual bill)$414
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.

List $440K
$416KedgeAI estimate $652,646 · range $434K$1.0M$1.1M

vs edgeAI estimate

−32.6%

$/sqft vs St Petersburg actives

$314 vs $344

Days on market

282 vs 58 typical

Where $314/sqft sits among the 400 St Petersburg actives

142
129 · this home
59
28
11
31
$140–276$276–412$412–548$548–683$683–819$819+

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 Petersburg

Map of 409 BOCA CIEGA POINT BOULEVARD S UNIT 409

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 Petersburg. See the full St Petersburg guide →

ST PETERSBURG 33708 — neighborhood snapshot

Population

15,306

Median age

61.1

Median income

$83,773

Median home value

$463,700

Avg household

1.9

Households w/ children

600

For the school run

Pinellas County School District

ElementaryOrange Grove Elementary School★★★★★
MiddleOsceola Middle School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

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

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$380K$402K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

233 of 400

St Petersburg actives have cut their price

Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 7% below the ST PETERSBURG 33708 median. See the full St Petersburg market guide →

Paper trail

This home's history

CurrentPrice reduced to $440,000 $105K
Nov 9, 2025Listed at $545,000 · 282 days on market since
1971Built · BOCA CIEGA POINT

Reality check

What actually sold near 409 BOCA CIEGA POINT BOULEVARD S UNIT 409

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

14181 E PARSLEY DRIVESold · Jul ’26

$494,900

14181 E PARSLEY DRIVE

2 bd · 2 ba · 1,400 sqft · $354/sqft · 106 DOM

234 145TH AVENUE ESold · Dec ’25

$800,000

234 145TH AVENUE E

2 bd · 2 ba · 1,375 sqft · $582/sqft · 18 DOM

325 E MADEIRA AVENUESold · Nov ’25

$470,000

325 E MADEIRA AVENUE

3 bd · 2 ba · 1,374 sqft · $342/sqft · 66 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.

Julian Rivera

Your agent

Julian Rivera

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 409 BOCA CIEGA POINT BOULEVARD S UNIT 409 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 409 BOCA CIEGA POINT BOULEVARD S UNIT 409 — before you fall in love.

See it in person

Schedule a tour

Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

409 BOCA CIEGA POINT BOULEVARD S UNIT 409 FAQs

What would the monthly payment be for 409 BOCA CIEGA POINT BOULEVARD S UNIT 409?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,358/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 409 BOCA CIEGA POINT BOULEVARD S UNIT 409?+

The most recent tax bill on record (2024) was $4,962. 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 Petersburg?+

At $440,000, this home is listed about 1% above the St Petersburg median of $435,000. The market section on this page shows how the area is trending.

Which schools are assigned to 409 BOCA CIEGA POINT BOULEVARD S UNIT 409?+

Orange Grove Elementary School (elementary), Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Under the ST PETERSBURG 33708 market on paper

$440,000 is 7% below the ST PETERSBURG 33708 median of $475,000, and at $314/sqft it sits under the St Petersburg average of $380.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

282 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Orange Grove Elementary School, Osceola Middle School, Richard O Jacobson Technical High School At Seminole — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $545,000, now $440,000 — a $105K cut. The full history is in the market section below.

Listing courtesy of RE/MAX PREFERRED · Melissa Yardy. MLS #TB8444145.

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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