12170 4TH STREET E, Treasure Island, FL, 33706 | $1,050,000

Move-in ready waterfront 3BR/2BA ranch-style pool home on coveted Isle of Capri … Treasure Island, FL … Blending Coastal Charm with immediate boating access to Johns Pass, the Gulf of Mexico, the beloved Johns Pass Sandbar and the Intracoastal Waterway … the classic Florida Lifestyle from day one … long-time family ownership shows pride of ownership from the textured paver driveway to the finishes inside … oversized, vinyl fenced lot including the ~80 ft of reinforced seawall and a distinctive epoxy blue cap … private dock with wrapped pilings, composite decking, lower landing, and two fish-attracting lights … boat lift plus separate wave-runner lift … truly a boater’s dream for offshore fishing, casual waterfront dining or just a quick sunset cruises …Sparkling 16' x 32' free-form PebbleTec pool and spa (newer heavy-duty pump) … steps to a screened 14' x 27' Lanai / Florida room with paver floor, two fans, and “windows-ready” framing … designed for year-round indoor/outdoor living … split bedroom plan for privacy … impact windows and PGT French doors bring light and peace of mind … luxury vinyl plank flooring and a newer A/C system for comfort … PVC plantation shutters (throughout) and crown molding add timeless style …a stained-glass front door welcomes … new interior doors and a cedar hall closet elevate the details …Open, practical layout … large air-conditioned laundry room with abundant cabinetry just off the kitchen … kitchen with nearly new GE Profile Appliances and pull-out drawers for everyday convenience … primary suite plus Bedrooms 2 & 3 feature California Closet organizers … 8-camera security system for easy home monitoring … enjoy morning coffee overlooking the bay … entertain poolside … then motor out to the Johns Pass sandbar to relax or get serious offshore in the Gulf, fishing or diving … If you’re seeking a realistically-priced Treasure Island waterfront home with excellent boating access and the classic Florida style … this just could be the one … Don't delay, BE SURE AND TAKE THE 3-D TOUR, check all photos and HURRY and CALL TODAY, for your private showing!

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 80 x 120
  • Laundry: Inside
  • Style: Ranch
  • Year Built: 1956
  • Garage: 1-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,982
  • Acreage: 0.22
  • Lot Size: 80 x 120
  • Est. Taxes: $6,015
  • Lot Desc: Flood Insurance Required, FloodZone, Landscaped, Oversized Lot
  • Pool: Gunite, In Ground
  • Appliances: Range, Refrigerator
  • MLS#: TB8418136
  • Days on Market: 146 days
  • Website: https://www.raveis.com
    /eprop/TB8418136/121704thstreete_treasureisland_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/30/2026 1:06:38 AM)
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE   Phone: 727-342-3800

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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12170 4TH STREET E, Treasure Island, FL, 33706

$1,050,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $840,000 $840,000 $840,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.875% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.165% 6.007% 5.952%
Monthly Tax Payment $501 $501 $501
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $4,769 $4,969 $6,975
Total Monthly Payment $5,395 $5,595 $7,601

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.