504 55 TH AVENUE, ST PETE BEACH, FL, 33706
Active51 days on marketListed Aug 22, 2026MLS #TB8540664
About this home
504 55 TH AVENUE
This exceptional waterfront estate in coveted Brightwater Beach Estates offers a rare combination that is nearly impossible to replicate: deep-water boating, panoramic Boca Ciega Bay views, and the beautiful sands of the Gulf of America just across Gulf Boulevard. Set within an intimate waterfront neighborhood of approximately 100 homes, Brightwater Beach Estates is one of St. Pete Beach’s most desirable coastal enclaves. From here, you can walk across the street to the Gulf beaches, enjoy nearby restaurants, cafés, shopping, and entertainment, and be in vibrant Downtown St. Petersburg in approximately 10 minutes. Positioned on deep, open water with sweeping views of Boca Ciega Bay and the iconic Don CeSar, the residence has been thoughtfully designed for both sophisticated entertaining and relaxed coastal living. Soaring ceilings, expansive windows, and abundant natural light frame the water views throughout the home. The gourmet kitchen features Sub-Zero, Wolf, and Bosch appliances, a gas cooktop, custom cabinetry, and elegant stone finishes. The main-level primary suite offers private waterfront views, a spa-inspired bath, and a custom walk-in dressing room. Upstairs, a spacious media and game lounge with a wet bar creates an exceptional entertaining space, complemented by a guest suite and private balcony overlooking the bay. Outside, the property becomes a private waterfront resort with a heated PebbleTec saltwater pool and spa, multiple areas for lounging and dining, tropical landscaping, and a newer composite dock equipped with water and electricity. A 20,000-pound boat lift and deep-water access make it effortless to enjoy Tampa Bay and the Gulf beyond. Additional features include hurricane-impact windows and doors, smart-home automation, travertine flooring, plantation shutters, custom lighting, a newer roof with hurricane clips, and an impressive four-car garage with ceiling height suitable for vehicle lifts—an outstanding amenity for the car collector. Priced below a recent appraisal, this beautifully refinished, turn-key estate represents an extraordinary opportunity to own the complete St. Pete Beach lifestyle: boating from your backyard, Gulf beaches across the street, dining and shopping moments away, and Downtown St. Petersburg just minutes from home. Luxury. Waterfront. Beach. Boating. Location. This is Brightwater Beach Estates. This is luxury living in Tampa Bay.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
5,138
Sqft
0.25 ac
Lot size
4
Garage
2018
Year built
Two
Levels
$963
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.
$32,261 /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
$32,261/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
+83.7%
$/sqft vs St Pete Beach actives
$963 vs $479
Days on market
51 vs 96 typical
Where $963/sqft sits among the 157 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 Brightwater
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 →
Brightwater — neighborhood snapshot
Population
283
Median age
64
Median income
$124,083
Median home value
$1,041,300
Avg household
2
Households w/ children
7%
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)
83 of 157
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 976% 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 504 55 TH AVENUE
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$2,000,000
509 55TH AVENUE · same community
4 bd · 3 ba · 2,622 sqft · $763/sqft · 325 DOM
Sold · Apr ’26$3,500,000
362 41ST AVENUE
4 bd · 4 ba · 4,475 sqft · $782/sqft · 10 DOM
Sold · Dec ’25$2,600,000
4250 BELLE VISTA DRIVE
4 bd · 4 ba · 4,171 sqft · $623/sqft · 28 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 504 55 TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 504 55 TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
504 55 TH AVENUE FAQs
What would the monthly payment be for 504 55 TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $32,261/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 504 55 TH AVENUE?+
The most recent tax bill on record (2025) was $42,423. 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 504 55 TH AVENUE?+
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 St Pete Beach?+
At $4,950,000, this home is listed about 817% above the St Pete Beach median of $539,900. The market section on this page shows how the area is trending.
Which schools are assigned to 504 55 TH AVENUE?+
Boca Ciega High School (high), Azalea Elementary School (elementary), Azalea Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$4,950,000 runs 976% above the ST PETE BEACH 33706 median — but at 5,138 sqft it's also nearly 4 times the size of 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.
03Strong assigned schools
Boca Ciega High School, Azalea Elementary School, Azalea Middle School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Donna Miller. MLS #TB8540664.
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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