645 BOCA CIEGA POINT BOULEVARD N, ST PETERSBURG, FL, 33708
Active43 days on marketListed Jul 2, 2026MLS #TB8523655
About this home
645 BOCA CIEGA POINT BOULEVARD N
RARE opportunity to own a truly exceptional END UNIT WATERFRONT VILLA SITUATED ON THE END OF A PENINSULA in the highly sought-after waterfront 55+ community of Boca Ciega Point! This one-of-a-kind STUNNING residence has been thoughtfully updated from top to bottom with custom-designed, high-quality finishes and offers a perfect blend of luxury, comfort, and waterfront living. A welcoming tropical courtyard sets the tone for this beautiful home, featuring a tranquil wall fountain, lush tropical landscaping, and an artist-painted cement floor. Inside, the light-filled open floor plan showcases a dreamy, remodeled kitchen, with a large island, breakfast bar, abundant cabinetry, marble countertops, coordinating backsplash, and new stainless-steel appliances. The sliding glass door with built-in blinds seamlessly connects the kitchen to the outdoor patio area. The spacious dining and living areas are enhanced by a solar tube that fills the home with natural light, opening to an expansive Florida room with breathtaking, unobstructed Intracoastal Waterway views! This incredible space is designed for relaxation and entertaining, where you can enjoy spectacular sunsets, dolphin visits, and the beauty of waterfront living. Custom wall-to-wall blackout blinds provide privacy when desired. The primary suite offers direct access to the Family room, a WALK-IN CLOSET, and a beautifully updated ensuite bath. The generous 2ND bedroom provides convenient access to the private courtyard. Additional features include INTERIOR LAUNDRY, a freshly painted garage with impact door, and a driveway with parking for 2 vehicles.This home is loaded with upgrades (!) including a new water heater, roof (2018), HVAC (2017), added insulation, wood-look porcelain tile flooring, HURRICANE-IMPACT WINDOWS, solar-powered security cameras, attic fan, and more! Located near the end of the peninsula, this villa offers some of the most desirable views in the community, a PRIVATE DOCK WITH A 10,000 LB BOAT LIFT and an abundance of green space—perfect for pets and enjoying the outdoors! Boca Ciega Point is a PET-FRIENDLY 55+ community offering an impressive array of amenities including 2 clubhouses, heated pool, pickleball, tennis, bocce ball, shuffleboard, fitness center, and an active social and boating club. Ideally located just minutes to the beautiful Gulf beaches of Madeira Beach, shopping, dining, and entertainment at Seminole City Center. Schedule your private showing today and experience the best of waterfront villa living! Don’t miss this one!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,650
Sqft
0 ac
Lot size
1
Garage
1973
Year built
One
Levels
$479
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.
$5,090 /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
$5,090/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
+40.1%
$/sqft vs BOCA CIEGA POINT EAST
$479 vs $313
Days on market
43 vs 58 typical
Where $479/sqft sits among the 25 homes for sale in BOCA CIEGA POINT EAST
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 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 →
ST PETERSBURG 33708 — neighborhood snapshot
Population
15,306
Median age
61.1
Median income
$83,773
Median home value
$463,700
Avg household
1.9
Households w/ children
600
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
95.8%
Sale-to-list ratio (12 mo)
16 of 25
BOCA CIEGA POINT EAST have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 68% above the ST PETERSBURG 33708 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 645 BOCA CIEGA POINT BOULEVARD N
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$510,000
457 BOCA CIEGA POINT BOULEVARD N · same community
2 bd · 2 ba · 1,650 sqft · $309/sqft · 147 DOM
Sold · Oct ’25$605,000
523 BOCA CIEGA POINT BOULEVARD S · same community
2 bd · 2 ba · 1,625 sqft · $372/sqft · 24 DOM
Sold · Apr ’26$439,900
325 BOCA CIEGA POINT BOULEVARD · same community
2 bd · 2 ba · 1,695 sqft · $260/sqft · 120 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 645 BOCA CIEGA POINT BOULEVARD N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 645 BOCA CIEGA POINT BOULEVARD N — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
645 BOCA CIEGA POINT BOULEVARD N FAQs
What would the monthly payment be for 645 BOCA CIEGA POINT BOULEVARD N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,090/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 645 BOCA CIEGA POINT BOULEVARD N?+
The most recent tax bill on record (2025) was $4,461. 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 645 BOCA CIEGA POINT BOULEVARD N?+
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 Petersburg?+
At $789,900, this home is listed about 82% above the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 645 BOCA CIEGA POINT BOULEVARD N?+
Orange Grove Elementary School (elementary), Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (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
$789,900 runs 68% above the ST PETERSBURG 33708 median — but at 1,650 sqft it's also 23% larger than the typical St Petersburg 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
Orange Grove Elementary School, Osceola Middle School, Richard O Jacobson Technical High School At Seminole — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Sandy Hartmann. MLS #TB8523655.
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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