255 46TH AVENUE, St Pete Beach, FL, 33706 | $2,994,000

BEACH HOUSE ON THE BAY | PRIVATE BEACH | WALK TO THE GULF
This luxury-style Key West–inspired Beach House on the Bay offers everything you could dream of in a Florida waterfront retreat—six balconies and patios for entertaining, panoramic water views from every room, and over 4, 000 square feet of living space (5, 750+ total gross area). Splash in your heated pool and spa featuring a custom dolphin inlay and cascading fountain, grill on the patio, or launch a kayak from your private dock. Surrounded by lush tropical landscaping, the property feels like a private resort. Especially rare for St. Pete Beach, this home offers both boat access and a private sandy beach—perfect for volleyball, s’mores by the fire, or building sandcastles at sunset.
Welcome to Beach on the Bay—a rare waterfront residence offering the best of both worlds: your own private beach on Boca Ciega Bay with a boat dock and just a three-minute walk to the white sands of the Gulf. Architecturally unique among a row of waterfront mansions, this elevated five-bedroom, four-bath home combines privacy, smart technology, and an expansive coastal lifestyle. Designed for flexible living, it features a full kitchen plus a kitchenette, two laundry rooms, and multiple gathering areas ideal for entertaining, multi-generational living, or a high-income vacation rental.
The lower-level living area includes two bedrooms, a full bath, kitchenette, casual living and dining spaces, a second laundry room, and ample storage. Tile floors thro0ughout, quartz countertops, and durable, water-resistant wainscot finishes create a coastal feel throughout this inviting space, which opens to more than 500 square feet of covered paver patio that seamlessly transitions to the pool, hot tub, and private beach. A bonus room and split three-car garage complete this level.
The main level showcases soaring 14-foot ceilings, a dramatic triple-stacked fireplace, and a custom free-floating staircase. Expansive living spaces open through floor-to-ceiling glass to a 500-square-foot waterfront balcony. The chef’s kitchen features rich dark granite surfaces, stainless steel appliances, a center island, dual breakfast bars with seating for eight, and a dining area overlooking the pool and bay.
Upstairs, the primary suite is a true retreat with a private 180-square-foot balcony offering breathtaking views of the pool, beach, and Boca Ciega Bay. A distinctive porthole window captures the sunrise over downtown St. Pete, adding a touch of nautical charm. The spa-style ensuite bath features dual vanities, granite surfaces, refined tilework, and a spacious walk-in shower. Another guest bedroom, full bathroom, and laundry room complete this floor.
Entertaining is effortless with multiple covered patios, an outdoor granite-topped bar, and generous lounge areas surrounding the heated pool and spa—all framed by vibrant tropical foliage, swaying palms, and brilliant sunsets. Smart home features enhance comfort and security throughout.
Recent updates include a 2025 roof, and the property comes fully furnished with designer décor—turnkey and ready to enjoy. With proven rental income exceeding $12, 000 per month, this residence offers a rare combination of luxury, privacy, and coastal charm. Ideally located near the Don César, top-rated beach restaurants, and everything St. Pete Beach has to offer, it represents one of the area’s most remarkable waterfront opportunities.

Features

  • Rooms: 14
  • Bedrooms: 5
  • Baths: 4 full / 1 half
  • Lot Size: 70 x 132
  • Laundry: Inside, Laundry Room
  • Style: Key West
  • Year Built: 1989
  • Garage: 3-car Circular Driveway, Garage Door Opener, Golf Cart Parking, Split Garage
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 4,096
  • Acreage: 0.21
  • Lot Size: 70 x 132
  • Est. Taxes: $33,568
  • Lot Desc: FloodZone, City Lot
  • View: Pool, Water
  • Pool: Gunite, Heated, In Ground, Lighting, Self Cleaning
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8441022
  • Days on Market: 121 days
  • Website: https://www.raveis.com
    /eprop/TB8441022/25546thavenue_stpetebeach_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 3/19/2026 3:36:50 AM)
Listing courtesy of Coldwell Banker Realty   Phone: 727-360-6927

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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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255 46TH AVENUE, St Pete Beach, FL, 33706

$2,994,000

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 $2,395,200 $2,395,200 $2,395,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.214% 6.110% 6.078%
Monthly Tax Payment $2,797 $2,797 $2,797
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $13,788 $14,360 $20,051
Total Monthly Payment $16,710 $17,282 $22,973

* 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.