720 BOCA CIEGA ISLE DRIVE, ST PETE BEACH, FL, 33706
Active7 days on marketListed Aug 19, 2026MLS #TB8540357
About this home
720 BOCA CIEGA ISLE DRIVE
Outstanding Waterfront Redevelopment & Restoration Opportunity! Rarely available, this exceptional waterfront property is located on Boca Ciega Isle in the heart of St. Pete Beach, offering a premier coastal setting with direct access to Boca Ciega Bay. Situated on a 50' x 136' waterfront lot, the property encompasses approximately 6,800 square feet of land and features approximately 50 feet of seawall. With its desirable waterfront orientation, exceptional views, and Gulf accessibility, this is a remarkable opportunity for a builder, developer, investor, or buyer looking to create a truly distinctive waterfront residence. The original 3-bedroom, 2-bathroom home, approximately 2,046 square feet, sustained flooding during Hurricane Helene. With an updated appraisal, the property qualifies for restoration under FEMA’s 49% rule, presenting a unique opportunity to restore, renovate, or potentially rebuild a custom waterfront home tailored to today's lifestyle. The location is what truly sets this property apart. Positioned on Boca Ciega Bay, the property offers direct water access, approximately 50 feet of waterfrontage, Gulf accessibility, and extraordinary waterfront views—all in one of the most sought-after coastal communities in the St Pete area. Whether you're a seasoned developer, builder, investor, or discerning buyer searching for a rare waterfront project, this property offers an exceptional combination of location, waterfront access, redevelopment potential, and lifestyle. Opportunities of this caliber are increasingly difficult to find. Bring your vision, capitalize on the potential, and create something extraordinary on Boca Ciega Isle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,046
Sqft
0.16 ac
Lot size
1948
Year built
One
Levels
$709
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.
$8,767 /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
$8,767/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
+50%
$/sqft vs St Pete Beach actives
$709 vs $511
Days on market
7 vs 81 typical
Where $709/sqft sits among the 158 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 Boca Ciega Isle
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 →
Boca Ciega Isle — neighborhood snapshot
Population
159
Median age
64
Median income
$124,083
Median home value
$1,041,300
Avg household
2
Households w/ children
2%
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 → $553K
St Pete Beach median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
80 of 158
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 222% 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 720 BOCA CIEGA ISLE 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$805,000
720 BOCA CIEGA ISLE DRIVE · same community
3 bd · 2 ba · 2,046 sqft · $393/sqft · 23 DOM
Sold · Aug ’26$1,425,000
1014 BOCA CIEGA ISLE DRIVE · same community
3 bd · 3.5 ba · 1,955 sqft · $729/sqft · 3 DOM
Sold · Mar ’26$400,000
1015 BOCA CIEGA ISLE DRIVE · same community
3 bd · 2 ba · 1,855 sqft · $216/sqft · 27 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 720 BOCA CIEGA ISLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 720 BOCA CIEGA ISLE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
720 BOCA CIEGA ISLE DRIVE FAQs
What would the monthly payment be for 720 BOCA CIEGA ISLE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,767/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 720 BOCA CIEGA ISLE DRIVE?+
The most recent tax bill on record (2024) was $2,873. 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 Pete Beach?+
At $1,450,000, this home is listed about 132% above the St Pete Beach median of $625,000. The market section on this page shows how the area is trending.
Which schools are assigned to 720 BOCA CIEGA ISLE DRIVE?+
Boca Ciega High School (high), Bay Point Middle School (middle), Azalea Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,450,000 runs 222% above the ST PETE BEACH 33706 median — but at 2,046 sqft it's also 58% larger than the typical St Pete Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 7 days on market in a St Pete Beach market that averages 81 — if it fits, move quickly.
04Strong assigned schools
Boca Ciega High School, Bay Point Middle School, Azalea Elementary School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of PINEYWOODS REALTY LLC · Allan Greenfield. MLS #TB8540357.
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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