
3500 GULF BOULEVARD UNIT 204, BELLEAIR BEACH, FL, 33786
Active2 days on marketListed Aug 17, 2026MLS #TB8539391
Come see it
Upcoming open house
Sat, Aug 22
11:00 AM – 2:00 PM
Step inside this rarely available beachfront retreat in the boutique Montmartre community on Belleair Beach. Direct Gulf views, fully furnished, and freshly updated with newer HVAC, appliances, and a California Closets system. Enjoy the recently rebuilt heated pool, private beach access, and a low-density building with just 54 units. Deeded parking and private storage included. Come see one of the last true beachfront values on this stretch of coastline.
About this home
3500 GULF BOULEVARD UNIT 204
Rarely available 1-bedroom, 1-bath beachfront residence in the intimate Montmartre Condominium community on Belleair Beach, offering direct Gulf views and access to a pristine white sand beach. This low-density mid-rise features just 54 units across four levels and delivers a boutique coastal living experience. Fully furnished and thoughtfully updated, the unit includes a restored sliding glass door, newer appliances, wood-look laminate flooring, a California Closets system in the bedroom, fresh interior paint, newer HVAC, and an in-unit washer and dryer. The kitchen has been refreshed with wood cabinetry, granite counters, and a breakfast bar that opens to the living and dining area, which is filled with natural light and framed by open water views. The primary bedroom offers Gulf frontage, generous closet space, and an updated bath. The unit comes with a deeded under-building parking space and a private storage closet. Community amenities include a recently rebuilt heated pool, beachfront sun deck, grilling areas, a separate clubhouse, a fitness room, private beach access, and common bike storage. The HOA maintains the grounds and common areas for a low-maintenance lifestyle. The location on Belleair Beach places residents close to an uncrowded stretch of Gulf coastline with easy access to nearby dining, shopping, and recreation. Largo Medical Center is approximately 4 miles away, roughly a 9-minute drive, and Morton Plant Hospital in Clearwater is about 6 miles away. For everyday shopping and dining, the Belleair Causeway connects to Belleair Bluffs and Largo. Sand Key Park is approximately 10 minutes away, offering picnic areas, a fishing pier, and protected shoreline. Clearwater Beach, with its boardwalk, shops, restaurants, and Pier 60, is about 10 minutes north. The Clearwater Marine Aquarium, home of the dolphin Winter, is roughly 15 minutes away. For air travel, St. Pete-Clearwater International Airport is about 20 to 30 minutes away, and Tampa International Airport is approximately 35 to 45 minutes away, depending on traffic. Outdoor enthusiasts will appreciate proximity to the Pinellas Trail and the Ream Wilson Clearwater Trail, a 13-mile paved path connecting Clearwater Beach to Safety Harbor, ideal for walking, running, and cycling. This property offers a combination of beachfront living, low-density privacy, and convenient access to hospitals, shopping, parks, and both regional airports, making it a strong option for a primary residence, second home, or investment property.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
840
Sqft
1 ac
Lot size
1
Garage
1978
Year built
Two
Levels
$625
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 and the real association fee — not generic estimates.
$4,777 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,777/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+61.4%
$/sqft vs Belleair Beach actives
$625 vs $693
Days on market
2 vs 67 typical
Where $625/sqft sits among the 32 Belleair Beach actives
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 Belleair Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Belleair Beach. See the full Belleair Beach guide →
BELLEAIR BEACH 33786 — neighborhood snapshot
Population
1,564
Median age
57.8
Median income
$140,417
Median home value
$1,022,700
Avg household
2.26
Households w/ children
114
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Belleair Beach market
$705K → $700K
Belleair Beach median sold, yr/yr
92.9%
Sale-to-list ratio (12 mo)
17 of 32
Belleair Beach actives have cut their price
Median sold price, Belleair Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% below the BELLEAIR BEACH 33786 median. See the full Belleair Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3500 GULF BOULEVARD UNIT 204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$500,000
3500 GULF BOULEVARD UNIT 204 · same community
1 bd · 1 ba · 840 sqft · $595/sqft · 10 DOM
Sold · Dec ’25$939,000
3500 GULF BOULEVARD UNIT 412 · same community
2 bd · 2 ba · 1,110 sqft · $846/sqft · 31 DOM
Sold · Dec ’25$175,000
2950 WEST BAY DRIVE UNIT B5
1 bd · 1 ba · 765 sqft · $229/sqft · 123 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3500 GULF BOULEVARD UNIT 204 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3500 GULF BOULEVARD UNIT 204 — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3500 GULF BOULEVARD UNIT 204 FAQs
What would the monthly payment be for 3500 GULF BOULEVARD UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,777/mo — principal and interest, the actual property-tax bill, the $775/mo association fee 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.
How much are the HOA fees at 3500 GULF BOULEVARD UNIT 204?+
The association fee works out to $775 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3500 GULF BOULEVARD UNIT 204?+
The most recent tax bill on record (2025) was $6,229. 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 3500 GULF BOULEVARD UNIT 204?+
The listing reports pets: 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 Belleair Beach?+
At $525,000, this home is listed about 64% below the Belleair Beach median of $1,449,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3500 GULF BOULEVARD UNIT 204?+
Mildred Helms Elementary School (elementary), Largo High School (high), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the BELLEAIR BEACH 33786 market on paper
$525,000 is 33% below the BELLEAIR BEACH 33786 median of $779,900, and at $625/sqft it sits under the Belleair Beach average of $719.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $775/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 2 days on market in a Belleair Beach market that averages 67 — if it fits, move quickly.
05Strong assigned schools
Mildred Helms Elementary School, Largo High School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS TAMPA DOWNTOWN · Alfonso Gonzalez. MLS #TB8539391.
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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