423 55TH AVENUE, ST PETE BEACH, FL, 33706
Active2 days on marketListed Aug 4, 2026MLS #TB8535661
About this home
423 55TH AVENUE
The hard part is already done. Deep-water access on Boca Ciega Bay, on Brightwater Beach, a 90x110 waterfront lot in Brightwater Beach Estates, and a 3,513 SF residence taken to a clean, professionally remediated shell. New roof (2025). New seawall and dock (2022) permitted marine construction, the most expensive and slowest component on any waterfront property. Complete new electrical. New HVAC. Full interior demolition and remediation, permitted and closed. Pool, spa, and mature landscaping in place. Those are the line items that break budgets and blow schedules here they’re finished, and roughly a year of timeline never comes out of your calendar. What’s left: your kitchen, baths, millwork, and finishes, in the layout you choose. 4BR/3.5BA, three-car garage, Gulf beaches minutes away. Waterfront in this pocket doesn’t arrive cleared and permit-current. This one does.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,513
Sqft
0.23 ac
Lot size
2
Garage
1962
Year built
Two
Levels
$640
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.
$14,790 /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
$14,790/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
+27.8%
$/sqft vs St Pete Beach actives
$640 vs $509
Days on market
2 vs 79 typical
Where $640/sqft sits among the 175 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 Brightwater
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 →
Brightwater — neighborhood snapshot
Population
283
Median age
64
Median income
$124,083
Median home value
$1,041,300
Avg household
2
Households w/ children
7%
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 → $543K
St Pete Beach median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
83 of 175
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 401% 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 423 55TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$2,400,000
422 55TH AVENUE · same community
5 bd · 4 ba · 2,993 sqft · $802/sqft · 322 DOM
Sold · Oct ’25$2,600,000
3800 GULF BOULEVARD UNIT PH
3 bd · 3 ba · 3,539 sqft · $735/sqft · 103 DOM
Sold · Sep ’25$1,000,000
4010 BELLE VISTA DRIVE
5 bd · 3 ba · 3,278 sqft · $305/sqft · 225 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 423 55TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 423 55TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
423 55TH AVENUE FAQs
What would the monthly payment be for 423 55TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,790/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 423 55TH AVENUE?+
The most recent tax bill on record (2025) was $19,741. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Pete Beach?+
At $2,250,000, this home is listed about 275% above the St Pete Beach median of $599,900. The market section on this page shows how the area is trending.
Which schools are assigned to 423 55TH AVENUE?+
Boca Ciega High School (high), Azalea Elementary School (elementary), Azalea Middle School (middle) — 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
$2,250,000 runs 401% above the ST PETE BEACH 33706 median — but at 3,513 sqft it's also nearly 3 times the size of 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.
03Fresh on the market
Only 2 days on market in a St Pete Beach market that averages 79 — if it fits, move quickly.
04Strong assigned schools
Boca Ciega High School, Azalea Elementary School, Azalea Middle School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SERHANT · Nick Janovsky. MLS #TB8535661.
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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