
420 64TH AVENUE UNIT 102, ST PETE BEACH, FL, 33706
Active32 days on marketListed Sep 10, 2026MLS #TB8546185
About this home
420 64TH AVENUE UNIT 102
Welcome to effortless coastal living at Three Palms Pointe, a sought-after waterfront community in the heart of St. Pete Beach. This desirable ground-floor corner residence offers two bedrooms, two full bathrooms, approximately 1,131 square feet, plus the added peace of mind of a NEW HVAC system and NEW water heater. Combining the ease of first-floor living with an exceptional location just a few blocks from the Gulf of Mexico, this home is ideal for enjoying the Florida lifestyle with less maintenance to worry about. One of the home’s greatest advantages is its convenient ground-floor position. Come and go without relying on an elevator, with easy access from your assigned parking space to your front door—perfect whether you’re heading out for a morning at the beach, an afternoon on the water, or an evening exploring St. Pete Beach. Inside, the spacious floor plan provides comfortable living and entertaining areas filled with natural light. Two generously sized bedrooms and two full bathrooms provide flexibility for full-time living, visiting guests, or a coastal retreat. The corner-unit setting adds to the home’s sense of privacy, while the private outdoor space offers a relaxing place to enjoy Florida’s year-round coastal lifestyle. Three Palms Pointe sits directly on Boca Ciega Bay and offers an impressive collection of waterfront amenities. Residents enjoy a 24-hour guard-gated entrance, heated waterfront pool, fitness center, sauna, clubhouse and social areas, billiards, shuffleboard, fishing pier, complimentary laundry facilities on each floor, additional storage, and boat slips subject to availability and community requirements. On-site property management adds another layer of convenience. The location is hard to beat. Spend the morning along the Gulf’s sandy shoreline, enjoy nearby restaurants and local favorites, or head to Corey Avenue for shopping, dining, markets, and entertainment. With the beach just blocks away and Boca Ciega Bay right outside the community, this location puts both the Gulf and Intracoastal lifestyle within easy reach. Whether you’re searching for a primary residence, Florida getaway, or investment property, Three Palms Pointe offers the flexibility to enjoy St. Pete Beach on your terms. The community’s three-month minimum rental period provides additional possibilities for owners seeking seasonal or longer-term rental opportunities, subject to association rules and approval. From mornings by the waterfront pool to evenings near the beach, this ground-floor corner residence—with a new HVAC system and new water heater—offers a low-maintenance way to experience everything that makes St. Pete Beach so special.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,131
Sqft
4 ac
Lot size
1974
Year built
One
Levels
$340
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 and the real association fee — not generic estimates.
$3,753 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,753/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+9.6%
$/sqft vs St Pete Beach actives
$340 vs $483
Days on market
32 vs 96 typical
Where $340/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 St Pete Beach
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 →
ST PETE BEACH 33706 — neighborhood snapshot
Population
15,347
Median age
62.2
Median income
$97,364
Median home value
$616,800
Avg household
1.79
Households w/ children
453
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 16% below 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 420 64TH AVENUE UNIT 102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$394,500
420 64TH AVENUE UNIT 402E · same community
2 bd · 2 ba · 1,131 sqft · $349/sqft · 69 DOM
Sold · Aug ’26$295,000
400 64TH AVENUE UNIT 202 · same community
2 bd · 2 ba · 1,131 sqft · $261/sqft · 90 DOM
Sold · May ’26$265,000
420 64TH AVENUE UNIT 307 · same community
2 bd · 2 ba · 1,131 sqft · $234/sqft · 119 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 420 64TH AVENUE UNIT 102 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 64TH AVENUE UNIT 102 — 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
420 64TH AVENUE UNIT 102 FAQs
What would the monthly payment be for 420 64TH AVENUE UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,753/mo — principal and interest, the actual property-tax bill, the $856/mo association fee 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.
How much are the HOA fees at 420 64TH AVENUE UNIT 102?+
The association fee works out to $856 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 64TH AVENUE UNIT 102?+
The most recent tax bill on record (2025) was $3,608. 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 420 64TH AVENUE UNIT 102?+
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 $385,000, this home is listed about 29% below 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 420 64TH AVENUE UNIT 102?+
Azalea Elementary School (elementary), Azalea Middle School (middle), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST PETE BEACH 33706 market on paper
$385,000 is 16% below the ST PETE BEACH 33706 median of $459,950, and at $340/sqft it sits under the St Pete Beach average of $587.
02Know the monthly fee
The association fee is $856/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
Azalea Elementary School, Azalea Middle School, Boca Ciega High School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MUSGRAVE GROUP LLC · KT Tershowski. MLS #TB8546185.
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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