12274 1ST STREET W UNIT 2, TREASURE ISLAND, FL, 33706
Pending249 days on marketListed Dec 12, 2025MLS #TB8456198
About this home
12274 1ST STREET W UNIT 2
Spring Break Price Reduction! Local or on vacation? See what beach living is all about! Direct Gulf-Front living in the Cedarsand community of Treasure Island, Florida. This beautifully updated 2-bedroom, 2.5-bath + loft townhome offers panoramic Gulf views, multiple balconies, and private walk-out beach access, delivering an exceptional coastal lifestyle in one of the most sought-after beachfront locations in Pinellas County. Spanning 1,510 sq ft, the residence features a private 2-car garage, a flexible top-floor loft, and an open-concept living area designed for effortless coastal living. The interior includes a renovated kitchen with granite countertops, updated bathrooms, new A/C, and a new water heater. Enjoy stunning sunsets, ocean breezes, and direct access to powder-soft sand from your private patio and balconies overlooking the Gulf. Cedarsand is a pet-friendly, well-maintained beachfront community where the association fees covers insurance, water, sewer, trash, and grounds maintenance, offering low-maintenance ownership. Rentals are permitted with a minimum one-year lease term, providing flexibility while maintaining a stable residential environment. Located just a short walk to John’s Pass Village, dining, shopping, entertainment, and boating, this property offers a rare combination of walkability, privacy, and unobstructed Gulf-front views. Ideal for full-time living, a second home, or long-term ownership, this Treasure Island beachfront townhome stands out for its location, views, and lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,510
Sqft
0.43 ac
Lot size
2
Garage
1979
Year built
Three Or More
Levels
$765
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.
$8,184 /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
$8,184/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
+159.8%
$/sqft vs Treasure Island actives
$765 vs $523
Days on market
249 vs 96 typical
Where $765/sqft sits among the 184 Treasure Island 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 Treasure Island
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Treasure Island. See the full Treasure Island guide →
TREASURE ISLAND 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 Treasure Island market
$685K → $623K
Treasure Island median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
99 of 184
Treasure Island actives have cut their price
Median sold price, Treasure Island, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 157% above the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →
Paper trail
This home's history
Reality check
What actually sold near 12274 1ST STREET W UNIT 2
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,200,000
12274 1ST STREET W UNIT 4 · same community
3 bd · 3 ba · 1,510 sqft · $795/sqft · 13 DOM
Sold · Jul ’26$485,000
10126 E 4TH STREET E
3 bd · 2 ba · 1,482 sqft · $327/sqft · 9 DOM
Sold · May ’26$765,000
11340 5TH STREET E
3 bd · 2 ba · 1,540 sqft · $497/sqft · 300 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12274 1ST STREET W UNIT 2 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12274 1ST STREET W UNIT 2 — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12274 1ST STREET W UNIT 2 FAQs
What would the monthly payment be for 12274 1ST STREET W UNIT 2?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,184/mo — principal and interest, the actual property-tax bill, the $1,097/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 12274 1ST STREET W UNIT 2?+
The association fee works out to $1,097 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12274 1ST STREET W UNIT 2?+
The most recent tax bill on record (2024) was $3,135. 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 12274 1ST STREET W UNIT 2?+
The listing reports pets: 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 Treasure Island?+
At $1,155,000, this home is listed about 70% above the Treasure Island median of $679,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12274 1ST STREET W UNIT 2?+
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
$1,155,000 runs 157% above the TREASURE ISLAND 33706 median — but at 1,510 sqft it's also 15% larger than the typical Treasure Island listing.
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 $1,097/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
249 days on market against a Treasure Island median of 96 — 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 EXP REALTY LLC · Taryn Hutchison. MLS #TB8456198.
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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