109 16TH STREET, BELLEAIR BEACH, FL, 33786
Active189 days on marketListed Apr 7, 2026MLS #TB8494914
About this home
109 16TH STREET
ELEVATED • NO STORM FLOODING • APPROX. $1,000/YEAR FLOOD INSURANCE • 3-CAR GARAGE • POOL • SINGLE-LEVEL LIVING • TURNKEY Experience a rare combination of elevation, quality, and turnkey coastal living in Belleair Beach. Elevated more than 10 feet, this beautifully updated single-story home has no history of storm flooding, offering added peace of mind. Private Gulf beach access is just a few blocks away, and a rare neighborhood waterfront park features a community dock with convenient access for kayaking, paddleboarding, and enjoying sunset views. Inside, the pristine, turnkey home offers a bright, open layout with 10-foot ceilings, luxury plank flooring, designer finishes, and integrated smart-home technology. The chef-inspired kitchen features quartzite countertops, custom wood cabinetry, premium KitchenAid stainless steel appliances, and an oversized island with ample seating for dining and entertaining. The spacious living area, anchored by a stone gas fireplace, flows seamlessly to the heated, screened-in pool and private outdoor retreat. A new gas pool heater allows for year-round relaxation and entertaining. The primary suite offers dual walk-in closets and a spa-like ensuite bath with custom imported Spanish tile, a soaking tub, walk-in shower, and dual vanities. The secondary bathroom features matching imported tile, while every bedroom includes built-in closets for added style and functionality. Additional highlights include a rare 3-car garage with an EV charger and dedicated golf-cart space, an indoor laundry room, plantation shutters, a whole-home SONOS sound system, and smart security and thermostat features. Just minutes from pristine beaches, top-rated dining, boutique shopping, and local marinas, this upgraded, move-in-ready home is ideally suited for coastal Florida living. Don’t miss this exceptional opportunity.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,092
Sqft
0.2 ac
Lot size
3
Garage
1997
Year built
One
Levels
$693
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.
$9,921 /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
$9,921/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
−6.1%
$/sqft vs BELLEAIR BEACH
$693 vs $480
Days on market
189 vs 94 typical
Where $693/sqft sits among the 10 homes for sale in BELLEAIR BEACH
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)
6 of 10
BELLEAIR BEACH have cut their price
Median sold price, Belleair Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 87% 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 109 16TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$790,000
108 14TH STREET · same community
3 bd · 3.5 ba · 2,043 sqft · $387/sqft · 155 DOM
Sold · Apr ’26$1,300,000
109 15TH STREET · same community
3 bd · 2 ba · 1,917 sqft · $678/sqft · 144 DOM
Sold · Nov ’25$700,000
112 7TH STREET · same community
3 bd · 3 ba · 2,316 sqft · $302/sqft · 55 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 109 16TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 16TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
109 16TH STREET FAQs
What would the monthly payment be for 109 16TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,921/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 109 16TH STREET?+
The most recent tax bill on record (2025) was $16,723. 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 109 16TH STREET?+
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 Belleair Beach?+
At $1,449,900, this home is listed about 25% above the Belleair Beach median of $1,160,000. The market section on this page shows how the area is trending.
Which schools are assigned to 109 16TH STREET?+
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
Five things that matter here
01Positioned at the premium end
$1,449,900 runs 87% above the BELLEAIR BEACH 33786 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
189 days on market against a Belleair Beach median of 94 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $1,575,000, now $1,449,900 — a $125K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BURWELL REAL ESTATE · Andy Burwell, Jr. MLS #TB8494914.
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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