400 BEACH DRIVE NE UNIT 1004, ST PETERSBURG, FL, 33701
Active19 days on marketListed Sep 24, 2026MLS #TB8550184
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Sun, Oct 18
1:00 PM – 3:00 PM
About this home
400 BEACH DRIVE NE UNIT 1004
Welcome to The Coastal Panorama, an exceptional luxury waterfront condo at 400 Beach in downtown St. Petersburg. Overlooking North Straub Park and Beach Drive, this light-filled 3- ensuite bedrooms, 3.5-bath residence with a den/office encompasses 3,306 square feet and showcases unobstructed Tampa Bay views, a private elevator entry and an extraordinary walkable downtown lifestyle. Designed for comfortable everyday living and effortless entertaining, the residence offers an airy, open atmosphere enhanced by upgraded flooring, designer lighting and electric window shades throughout. Sparkling blue water, passing boats, colorful skies and unforgettable sunrises create an ever-changing backdrop, while the den provides flexible space for a home office, media room or private retreat. The light and bright modernized kitchen will delight entertainers and chefs alike, featuring two expansive islands, abundant glass-front cabinetry and a convenient built-in desk. The generous design provides exceptional space for meal preparation, casual dining, entertaining and everyday organization. The spa-inspired primary bathroom offers a serene escape, while built-in closet systems provide thoughtful organization throughout the home. Additional custom built-ins in the primary bedroom combine function with sophisticated design. A custom remote-controlled water shutoff system provides added convenience and peace of mind. This three-bedroom waterfront condo includes two assigned parking spaces, one equipped with an Evercharge electric vehicle charging system and a storage locker. The building’s transformed resort-style amenity level features a spacious social gathering room, fitness center, shaded pool lounge and gathering areas, grilling stations, bar seating and lush landscaping. Located within a premier full-service condominium building, this exceptional Beach Drive residence offers the ease of a lock-and-leave lifestyle paired with outstanding amenities and a coveted waterfront setting. Step outside and enjoy downtown St. Petersburg’s acclaimed restaurants, waterfront parks, marina, museums, galleries, boutiques, St. Pete Pier and celebrated arts and cultural scene, all just moments from home. The Coastal Panorama presents a rare opportunity to own a spacious luxury waterfront condo with private elevator access, unobstructed Tampa Bay views, resort-style amenities and one of downtown St. Petersburg’s most desirable walkable locations.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,306
Sqft
0 ac
Lot size
2
Garage
2007
Year built
One
Levels
$1,059
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.
$27,796 /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
$27,796/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
+51.3%
$/sqft vs St Petersburg actives
$1,059 vs $313
Days on market
19 vs 72 typical
Where $1,059/sqft sits among the 400 St Petersburg 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 Downtown St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Downtown St Petersburg — neighborhood snapshot
Population
3,169
Median age
60
Median income
$50,655
Median home value
$619,783
Avg household
1
Households w/ children
55%
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 Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
246 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 358% above the ST PETERSBURG 33701 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 400 BEACH DRIVE NE UNIT 1004
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$3,275,000
400 BEACH DRIVE NE UNIT 804 · same community
3 bd · 3.5 ba · 3,306 sqft · $991/sqft · 0 DOM
Sold · Jan ’26$1,750,000
400 BEACH DRIVE NE UNIT 2301 · same community
2 bd · 2 ba · 2,203 sqft · $794/sqft · 156 DOM
Sold · Dec ’25$825,000
1030 11TH AVENUE S
3 bd · 2.5 ba · 2,554 sqft · $323/sqft · 43 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 400 BEACH DRIVE NE UNIT 1004 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 BEACH DRIVE NE UNIT 1004 — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
400 BEACH DRIVE NE UNIT 1004 FAQs
What would the monthly payment be for 400 BEACH DRIVE NE UNIT 1004?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $27,796/mo — principal and interest, the actual property-tax bill, the $3,633/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 400 BEACH DRIVE NE UNIT 1004?+
The association fee works out to $3,633 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 400 BEACH DRIVE NE UNIT 1004?+
The most recent tax bill on record (2025) was $45,658. 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 400 BEACH DRIVE NE UNIT 1004?+
The listing reports pets: Breed Restrictions, 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 Petersburg?+
At $3,500,000, this home is listed about 733% above the St Petersburg median of $420,000. The market section on this page shows how the area is trending.
Which schools are assigned to 400 BEACH DRIVE NE UNIT 1004?+
John Hopkins Middle School (middle), North Shore Elementary School (elementary), St. Petersburg 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
01Positioned at the premium end
$3,500,000 runs 358% above the ST PETERSBURG 33701 median — but at 3,306 sqft it's also nearly 3 times the size of the typical St Petersburg listing.
02City & Park/Greenbelt & Pool & Trees/Woods & Water views
The city and park/greenbelt and pool and trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $3,633/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Kelli Welch. MLS #TB8550184.
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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