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Belleair’s lowest-priced remodeled home under $500K — and it’s ready for you! Live minutes from the water—without the flood insurance. Set on a quiet street in Belleair Bluffs and Flood Zone X, this home delivers the coastal lifestyle with the “high and dry” convenience the Bluffs are known for—close to the Intracoastal, waterfront parks, and a quick drive to the Gulf beaches. Walk to popular local spots, cafés, and everyday conveniences, with the Town of Belleair just a few blocks away, plus highly rated schools nearby.
The lot and usable outdoor space are a standout—ideal for gardeners, pets, and outdoor living. There’s plenty of yard for planting and entertaining, plus room to store beach gear, kayaks, and toys, along with a shed and a fire pit area.
Inside is where this home truly shines. Visitors consistently comment on the gorgeous flooring, smooth plaster ceilings with a soft curved finish, and the wide-open flow of the living room, dining area, and bright Florida room—creating one large, inviting space that lives bigger than expected. The remodeled kitchen features quartz counters, custom stone backsplash, stainless appliances, farmhouse sink, and a built-in filtered-water coffee system for your own “coffee bar” at home.
Major 2022 upgrades include roof, lifetime hurricane-rated windows, hurricane-rated doors, updated electrical, garage door, plumbing updates, Ring security, and updated baths with a marble vanity and tiled shower. The main living area is a true 2BR/1BA, plus a bonus bath and laundry in the garage—perfect for beach days, gardening, a workshop/pet wash, or guests.
A rare Belleair Bluffs opportunity—move-in ready, close to everything, and ideal for first-time buyers or anyone ready to move up and enjoy the Florida lifestyle.
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Our Executive Mortgage Banker:
Our Insurance Division:
$440,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $352,000 | $352,000 | $352,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.000% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.209% | 6.178% | 5.541% |
| Monthly Tax Payment | $322 | $322 | $322 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,999 | $2,110 | $2,830 |
| Total Monthly Payment | $2,396 | $2,507 | $3,227 |
* 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.