3860 BELLE VISTA E, ST PETE BEACH, FL, 33706
Active41 days on marketListed Sep 1, 2026MLS #TB8544598
About this home
3860 BELLE VISTA E
Virtually Staged. 84 FEET OF WATERFRONT WITH MID-CENTURY CHARACTER, WALKING DISTANCE TO THE DON CESAR — SEAWALL AND TERMITE TREATMENT ALREADY DONE | Some St. Pete Beach waterfront comes with hidden bills and hidden problems attached. This one doesn't. The seawall at 3860 Belle Vista Dr E was replaced in 2025, and the home has just been treated for termites — two of the biggest headaches a buyer can inherit, already resolved before you make an offer. What's left is character. Original terrazzo floors run throughout, giving the home genuine mid-century warmth that's nearly impossible to find — or replicate — in new construction. Set on 84 feet of waterfront frontage on a quiet, established street in Belle Vista, it's a short walk to the pink towers of the Don Cesar and the beach beyond. Inside, 1,942 square feet holds three bedrooms, two bathrooms, and a two-car garage. This is a restoration opportunity, not a renovation from scratch. The bones, the floors, and the structural work are already there. There's no dock in place today, but with 84 feet to work with, the potential is there for the next owner to add one. Waterfront homes with fresh infrastructure, real character, and this kind of walkability don't sit long in this market. See it before someone else claims the water view.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,942
Sqft
0.23 ac
Lot size
2
Garage
1957
Year built
One
Levels
$633
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.
$8,479 /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
$8,479/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
+28.8%
$/sqft vs St Pete Beach actives
$633 vs $479
Days on market
41 vs 96 typical
Where $633/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 Belle Vista
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 →
Belle Vista — neighborhood snapshot
Population
1,335
Median age
59
Median income
$137,596
Median home value
$746,300
Avg household
2
Households w/ children
89%
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)
82 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 167% 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 3860 BELLE VISTA E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$770,000
2203 W VINA DEL MAR BOULEVARD
3 bd · 2 ba · 1,931 sqft · $399/sqft · 53 DOM
Sold · May ’26$1,700,000
280 N JULIA CIRCLE
3 bd · 2 ba · 1,929.23 sqft · $881/sqft · 96 DOM
Sold · Apr ’26$1,720,000
1401 PASS A GRILLE WAY
3 bd · 2 ba · 1,919 sqft · $896/sqft · 203 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3860 BELLE VISTA E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3860 BELLE VISTA E — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3860 BELLE VISTA E FAQs
What would the monthly payment be for 3860 BELLE VISTA E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,479/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 3860 BELLE VISTA E?+
The most recent tax bill on record (2025) was $14,653. 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 3860 BELLE VISTA E?+
The listing reports pets: No. 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 $1,230,000, this home is listed about 128% 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 3860 BELLE VISTA E?+
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
Three things that matter here
01Positioned at the premium end
$1,230,000 runs 167% above the ST PETE BEACH 33706 median — but at 1,942 sqft it's also 54% 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.
03Strong 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 COMPASS FLORIDA LLC · Leisa Mohler-Erickson. MLS #TB8544598.
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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