
6420 3RD PALM POINT, ST PETE BEACH, FL, 33706
Active146 days on marketListed Feb 28, 2026MLS #TB8481219
About this home
6420 3RD PALM POINT
Deep water waterfront pool home with 13,000 lb boat lift just three blocks from the Gulf beaches in highly sought after St. Pete Beach, offering the ultimate combination of boating access, walkable beach lifestyle, and luxury coastal living. This exceptional 4 bedroom, 2 bath single story residence has been fully updated with modern finishes and high end upgrades, delivering a seamless blend of style, comfort, and functionality in one of Florida’s most desirable waterfront communities. Inside, porcelain tile flooring flows throughout the open concept layout, creating a clean, durable, and sophisticated living space designed for both everyday living and entertaining. The chef’s kitchen is a true standout, featuring upgraded Bespoke appliances, a sleek matte cooktop, wine refrigerator, and striking quartz countertops that elevate both form and function. The spacious living area is anchored by a contemporary electric fireplace, adding warmth and a refined focal point. Thoughtful enhancements include hurricane screens for added protection, a smart Ecobee thermostat for energy efficiency and climate control, plantation shutters, and sliding glass doors with built in blinds that create effortless indoor outdoor flow, privacy, and convenience. Step outside to your private tropical waterfront retreat where a resort style pool with sun shelf invites you to relax in the Florida sunshine. The custom pergola is fully equipped with electrical and dual mounted televisions, creating an elevated outdoor living and entertaining space designed for year round enjoyment. Low maintenance AstroTurf in both the front and backyard ensures lush, green curb appeal without the upkeep. Boating enthusiasts will appreciate the composite dock and deep water access with a 13,000 pound boat lift, along with an additional slip capable of accommodating a vessel up to 50 feet, offering direct access to the Intracoastal Waterway and the Gulf for boating, fishing, and sunset cruising. The pavered circular driveway enhances curb appeal while providing ample parking for guests. Located in the heart of St. Pete Beach, this property offers close proximity to pristine beaches, waterfront dining, and coastal recreation, while being just a short drive to downtown St. Petersburg, known for its award winning restaurants, boutique shopping, art galleries, waterfront parks, and vibrant cultural scene. This is a rare opportunity to own a fully upgraded waterfront home that delivers luxury, location, and the best of Florida coastal living.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,088
Sqft
0.21 ac
Lot size
1
Garage
1970
Year built
One
Levels
$814
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.
$10,975 /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
$10,975/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
+60.3%
$/sqft vs THREE PALMS POINT
$814 vs $768
Days on market
146 vs 85 typical
Where $814/sqft sits among the 6 homes for sale in THREE PALMS POINT
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 Three Palms Point
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Pete Beach. See the full St Pete Beach guide →
Three Palms Point — neighborhood snapshot
Population
797
Median age
68
Median income
$79,226
Median home value
$414,374
Avg household
1
Households w/ children
17%
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 Pete Beach market
$679K → $589K
St Pete Beach median sold, yr/yr
93.3%
Sale-to-list ratio (12 mo)
3 of 6
THREE PALMS POINT have cut their price
Median sold price, St Pete Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 278% above the ST PETE BEACH 33706 median. See the full St Pete Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 6420 3RD PALM POINT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,275,000
6422 1ST PALM POINT · same community
3 bd · 3 ba · 2,043 sqft · $624/sqft · 4 DOM
Sold · Aug ’25$725,000
6437 1ST PALM POINT · same community
3 bd · 2 ba · 2,170 sqft · $334/sqft · 163 DOM
Sold · Apr ’26$475,000
660 64TH AVENUE · same community
3 bd · 2 ba · 1,984 sqft · $239/sqft · 7 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6420 3RD PALM POINT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6420 3RD PALM POINT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
6420 3RD PALM POINT FAQs
What would the monthly payment be for 6420 3RD PALM POINT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,975/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 6420 3RD PALM POINT?+
The most recent tax bill on record (2025) was $12,119. 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 6420 3RD PALM POINT?+
The listing reports pets: Cats OK, Dogs OK, 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 Pete Beach?+
At $1,699,000, this home is listed about 184% above the St Pete Beach median of $599,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6420 3RD PALM POINT?+
Boca Ciega High School (high), Azalea Elementary School (elementary), Azalea Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,699,000 runs 278% above the ST PETE BEACH 33706 median — but at 2,088 sqft it's also 65% larger than the typical St Pete Beach 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
Boca Ciega High School, Azalea Elementary School, Azalea Middle School — Azalea Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,735,000, now $1,699,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Andrew Salamone. MLS #TB8481219.
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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