
3982 POINSETTIA DRIVE, ST PETE BEACH, FL, 33706
Active47 days on marketListed Sep 4, 2026MLS #TB8545680
About this home
3982 POINSETTIA DRIVE
BRAND NEW ROOF JUST COMPLETED! ALL NEW ELECTRICAL THROUGHOUT, INCLUDING A LARGE UPGRADED PANEL AND DEDICATED RV PLUG! Additional improvements include new KitchenAid appliances, LG washer and dryer, brand-new water heater, newer windows, newer main sewer line connecting to the city, and all new shower valves. WELCOME TO ST. PETE BEACH, WHERE HOME FEELS LIKE A PERMANENT VACATION! There are homes you purchase, and then there are lifestyles you get to call your own. Set on an oversized corner lot of nearly a quarter acre, this beautifully reimagined 3-bedroom, 2-bath residence with a versatile office/Florida room and 1-car garage pairs extensive upgrades with contemporary coastal style, exceptional outdoor space, and the easygoing magic of Florida’s Gulf Coast. Step inside to a bright, inviting interior where thoughtful renovations and custom finishes create a polished yet relaxed atmosphere. Porcelain wood-grain plank tile flows throughout, complemented by crown molding, upgraded baseboards, solid-core raised-panel doors and striking black hardware and fixtures. The chef-inspired kitchen is both sophisticated and functional, featuring Level 4 granite countertops, new KitchenAid black stainless steel appliances and a mosaic tile backsplash. Both renovated bathrooms offer custom tiled bath and shower surrounds, contemporary finishes, frameless glass enclosures and new shower valves. The spacious Florida room easily adapts to your needs as a home office, den, game room, family room or additional entertaining space. Outside, the expansive backyard offers more than 1,300 square feet of space to dine, gather and unwind beneath the Florida sky. A custom outdoor kitchen and dedicated seating area invite weekend cookouts and evenings with friends. The oversized corner homesite provides valuable extra parking, an extended driveway and an exterior RV electrical hookup. A large, newer shed adds exceptional utility with wide French-door access, built-in shelving and a foundation supported by helical piers. The pier-supported installation may be beneficial for insurance eligibility; coverage of shed contents is subject to the buyer’s insurer and policy. And then there’s the location. St. Pete Beach isn’t simply a destination; it’s a way of life. Spend mornings along the shoreline, afternoons boating, paddleboarding, fishing or exploring the Gulf, and evenings chasing sunsets before visiting the restaurants, boutiques and entertainment of Corey Avenue, Gulf Boulevard and historic Pass-a-Grille. From waterfront seafood and beach bars to cafés, live music and the iconic Don CeSar, the best of coastal living is close at hand. Here, flip-flops qualify as evening attire, sunsets become part of the daily schedule, and weekends need no itinerary. Beautifully updated. Extensively improved. Exceptionally spacious. Turnkey and ready to enjoy. This isn’t simply an opportunity to own a home near the beach. It’s your opportunity to LIVE ST. PETE BEACH! Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,118
Sqft
0.23 ac
Lot size
1
Garage
1955
Year built
One
Levels
$581
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.
$4,738 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$4,738/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+41.8%
$/sqft vs St Pete Beach actives
$581 vs $481
Days on market
47 vs 81 typical
Where $581/sqft sits among the 165 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 165
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 41% 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 3982 POINSETTIA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$660,000
3903 BELLE VISTA DRIVE E · same community
3 bd · 2 ba · 1,500 sqft · $440/sqft · 12 DOM
Sold · Jun ’26$750,000
3755 BELLE VISTA DRIVE E · same community
3 bd · 2 ba · 1,783 sqft · $421/sqft · 25 DOM
Sold · Sep ’26$957,500
3921 BELLE VISTA DRIVE E · same community
3 bd · 2 ba · 1,884 sqft · $508/sqft · 64 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 3982 POINSETTIA DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3982 POINSETTIA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3982 POINSETTIA DRIVE FAQs
What would the monthly payment be for 3982 POINSETTIA DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,738/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 3982 POINSETTIA DRIVE?+
The most recent tax bill on record (2025) was $2,935. 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 3982 POINSETTIA DRIVE?+
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 $649,900, this home is listed about 20% above the St Pete Beach median of $540,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3982 POINSETTIA 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
$649,900 runs 41% above the ST PETE BEACH 33706 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
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.
04The price has already moved
Listed at $775,000, now $649,900 — a $125K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Tanner Tillung. MLS #TB8545680.
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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