CENTURY 21 Edge
$2,950,000$2,995,0004 bd5.5 ba3,992 sqft$739 /sqft≈$21,047 /mo all-in ↓

11220 8TH STREET E, TREASURE ISLAND, FL, 33706

Active47 days on marketListed Sep 4, 2026MLS #TB8545832

✦ Reduced $45KWaterfrontPrivate poolSingle Family ResidenceISLE OF PALMS 2ND ADD

About this home

11220 8TH STREET E

Virtually Staged. BOATERS DELIGHT! Welcome to this exceptional Treasure Island waterfront residence offering nearly 4,000 SF of refined living space, 4 bedrooms, 5.5 baths, & an oversized 2-car garage on deep, protected sailboat water. Ideally positioned in one of the area’s most desirable boating locations, this home offers exceptionally easy access to the Gulf of Mexico—less than 10 mins by boat—with no bridges & ideal conditions for cruising, fishing, or enjoying the open water.An extraordinary opportunity is also available: the adjacent waterfront property is currently offered for sale, creating the rare potential to assemble an approx. 140-ft-wide by 120-ft-deep waterfront compound. Whether preserved as a private estate, guest property, or future investment, this is a truly uncommon chance to secure exceptional waterfront width & flexibility in Treasure Island. A handcrafted wrought-iron & glass entry door opens to a dramatic 26-ft foyer, setting the tone for expansive rooms, 10-ft ceilings, & a beautifully flowing layout designed for both everyday living & entertaining. The gourmet kitchen features rich cherry cabinetry, granite countertops, high-end stainless-steel appliances, & generous workspace. Brazilian cherry hardwood flooring, porcelain tile, wide baseboards, & crown molding showcase the home’s quality craftsmanship throughout. A downstairs en-suite bedroom with double doors provides flexibility as a private office or guest suite. Up the stately handcrafted staircase, the spacious primary suite opens to a remarkable 525-SF covered waterfront balcony, shared with a secondary suite—an extraordinary setting to enjoy open-bay views. The luxurious primary bath includes a corner jetted tub, oversized double shower with body sprays & individual controls, dual sinks, separate water closet, & generous custom-designed his-&-hers closets. Two additional en-suite bedrooms complete the upper level, including one with its own mini refrigerator & coffee bar opening to the expansive waterfront balcony. Outside, a luxurious travertine paver deck surrounds the spectacular Sekas Design PebbleTec pool & spa, complete with automated lighting & controls. The covered waterfront balcony is finished with stained cypress beadboard ceilings to reduce reflective glare, open pot-belly railings, & privacy walls at each end—creating the ideal balance of privacy & panoramic water views.An updated seawall & TREX composite dock with two seating areas support a rare 35,000-lb. boat lift capable of accommodating a 43-ft cruiser. This is a true boater’s paradise, offering protected deep water, fast Gulf access, & a premier location for enjoying the best of Florida’s coastal lifestyle. Built with exceptional attention to quality, the home offers impact-rated windows & doors, insulated interior walls for sound reduction, zoned A/C & hot-water systems, energy-efficient Icynene insulation, a roof designed for future solar panels, & motorized hurricane shutters for peace of mind. All work was permitted & completed by licensed professionals. Additional features include whole-house water filtration & softening, plus an oversized garage with built-in storage & metal-flake epoxy flooring Move-in ready & thoughtfully designed for the ultimate waterfront lifestyle, this remarkable home offers exceptional construction, resort-style outdoor living, direct Gulf access, & the rare opportunity to acquire the neighboring property for a one-of-a-kind Treasure Island waterfront estate.

Facts & features

The home at a glance

4

Bedrooms

5.5

Bathrooms

3,992

Sqft

0.19 ac

Lot size

2

Garage

1963

Year built

Two

Levels

$739

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringBamboo · Ceramic Tile · Hardwood
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Kitchen Reverse Osmosis System · Microwave · Range · Refrigerator · Washer · Water Softener · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryLaundry Room · Upper Level
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock
FoundationSlab
ViewWater
FacesEast
ExteriorBalcony · Hurricane Shutters · Lighting · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$14,601/yr
PetsYes
CommunityPark · Playground

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$21,047 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$18,564
PMI (est., until 20% equity)$1,106
Property tax — 2025 actual bill$1,217
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $295,000Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $295,000
Interest rate7.50%
Loan term

Estimated payment

$21,047/mo

Principal & interest$18,564
PMI (est., until 20% equity)$1,106
Property taxes (actual bill)$1,217
Est. insurance$160

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.

List $3.0M
$1.6MedgeAI estimate $1,866,843 · range $1.7M–$1.9M$3.1M

vs edgeAI estimate

+58%

$/sqft vs Treasure Island actives

$739 vs $512

Days on market

47 vs 121 typical

Where $739/sqft sits among the 178 Treasure Island actives

56
43
26
19 · this home
18
16
$241–389$389–537$537–685$685–833$833–981$981+

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 Isle Of Palms

Drive times from this address

Tampa Int’l Airport (TPA)≈ 43 min
Downtown Tampa≈ 44 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Treasure Island. See the full Treasure Island guide →

Isle Of Palms — neighborhood snapshot

Population

1,143

Median age

62

Median income

$75,139

Median home value

$908,900

Avg household

2

Households w/ children

50%

For the school run

Pinellas County School District

MiddleAzalea Middle School★★★★★
ElementaryAzalea Elementary School★★★★★
HighBoca Ciega High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Treasure Island market

Seller’s marketLeans buyer — 9.3 months of inventoryBuyer’s market

$685K → $625K

Treasure Island median sold, yr/yr

93.8%

Sale-to-list ratio (12 mo)

97 of 178

Treasure Island actives have cut their price

Median sold price, Treasure Island, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 541% above the TREASURE ISLAND 33706 median. See the full Treasure Island market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,950,000 ▼ $45K
Sep 4, 2026Listed at $2,995,000 · 47 days on market since
1963Built · ISLE OF PALMS 2ND ADD

Reality check

What actually sold near 11220 8TH STREET E

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

11320 6TH STREET ESold · Jun ’26

$1,840,000

11320 6TH STREET E · same community

5 bd · 3.5 ba · 3,834 sqft · $480/sqft · 128 DOM

11260 7TH STREET ESold · Dec ’25

$3,300,000

11260 7TH STREET E · same community

5 bd · 4.5 ba · 4,820 sqft · $685/sqft · 104 DOM

11460 7TH STREET ESold · Jul ’26

$3,300,000

11460 7TH STREET E · same community

6 bd · 5.5 ba · 4,849 sqft · $681/sqft · 10 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.

Pedro Ribeiro Gloria

Your agent

Pedro Ribeiro Gloria

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 11220 8TH STREET E — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11220 8TH STREET E — before you fall in love.

See it in person

Schedule a tour

Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

11220 8TH STREET E FAQs

What would the monthly payment be for 11220 8TH STREET E?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $21,047/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 11220 8TH STREET E?+

The most recent tax bill on record (2025) was $14,601. 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 11220 8TH STREET E?+

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 Treasure Island?+

At $2,950,000, this home is listed about 340% above the Treasure Island median of $669,700. The market section on this page shows how the area is trending.

Which schools are assigned to 11220 8TH STREET E?+

Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (high) — 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

$2,950,000 runs 541% above the TREASURE ISLAND 33706 median — but at 3,992 sqft it's also nearly 3 times the size of the typical Treasure Island 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

Azalea Middle School, Azalea Elementary School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $2,995,000, now $2,950,000 — a $45K cut. The full history is in the market section below.

Listing courtesy of CENTURY 21 LIST WITH BEGGINS · Kimberly Bowden. MLS #TB8545832.

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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11220 8TH STREET E, TREASURE ISLAND, FL — 4 Bed, 5.5 Bath — $2,950,000 | CENTURY 21 Edge