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Under contract-accepting backup offers. Welcome to your barefoot-ready escape on Treasure Island—an elevated cedar beach cottage where the Gulf is literally just steps from your door. Set beside newly restored sugar sand beaches, this charming home delivers the carefree feel of an oceanside resort with the comfort of home. All living space is perched on the second floor, accessed by a short flight of stairs that opens to a long, breezy porch with peek-a-boo ocean views—perfect for morning coffee, post-beach sunsets, and salty air evenings. This upper level experienced no damage during the hurricanes of 2024.
Inside, the vibe is open, airy, and inviting. A spacious open-concept layout flows effortlessly from the large kitchen—complete with a breakfast bar and built-in storage—into a generous living room anchored by a grand wood-burning fireplace. High ceilings enhance the sense of space, while accent windows lining the west ceiling accentuate the room with natural light and add a dramatic architectural touch. Tucked away at the rear of the home are two sizeable bedrooms connected by a shared, adjoining bathroom featuring a jetted spa tub and dual vanity sinks—your own private retreat after a sun-soaked day. A separate laundry room with a utility sink on the ground floor adds everyday convenience. Downstairs is where function meets opportunity. Enjoy a one-car garage with a new mechanical door, plus two separate carport spaces—say goodbye to beach parking stress forever. The entire lower level is enclosed and formerly plumbed during a prior ownership, offering exciting potential for a workshop, storage, or creative space. Additional highlights include: Hurricane shutters downstairs & 3M protective window film upstairs, Roof (2021), A/C (2021), New garage door, water heater, refrigerator and select doors. This is a home for those who live for the outdoors—meditations at sunrise, long walks on powdery sand, and evenings listening to the Gulf breeze—and who appreciate finding a smart value in an unbeatable location. Beachy, breezy, and beautifully positioned, this Treasure Island cottage is your chance to own a slice of Florida’s laid-back coastal lifestyle without the resort price tag.
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Our Executive Mortgage Banker:
Our Insurance Division:
$539,000
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 | $431,200 | $431,200 | $431,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.375% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.137% | 6.132% | 5.396% |
| Monthly Tax Payment | $380 | $380 | $380 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,415 | $2,582 | $3,438 |
| Total Monthly Payment | $2,887 | $3,054 | $3,910 |
* 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.