Yumiko Sugawara
$525,0001 bd1 ba840 sqft$625 /sqft$4,777 /mo all-in ↓

3500 GULF BOULEVARD UNIT 204, BELLEAIR BEACH, FL, 33786

Active2 days on marketListed Aug 17, 2026MLS #TB8539391

Priced 33% below the BELLEAIR BEACH 33786 medianWaterfrontFully furnishedCondominiumMONTMARTRE-CONDO

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

WaterfrontWater viewFurnishedPets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorLiving Room/Dining Room Combo · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofBuilt-Up
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ExteriorBalcony · Sliding Doors

Community & fees

HOA fee$775/mo
Taxes (2025)$6,229/yr
PetsYes
CommunityGulf/Ocean Front · Clubhouse · Pool

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Water Connected
WaterPublic

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%

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property tax — 2025 actual bill$519
Condo fee — from the listing$775
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,375
Interest rate6.00%
Loan term

Estimated payment

$4,777/mo

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property taxes (actual bill)$519
HOA / condo fee$775
Est. insurance$160

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.

List $525K
$219KedgeAI estimate $325,353 · range $228K$364K$546K

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

10
8 · this home
7
4
0
3
$333–529$529–725$725–921$921–1116$1116–1312$1312+

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

Map of 3500 GULF BOULEVARD UNIT 204

Drive times from this address

Downtown Tampa42 min
Tampa Int’l Airport (TPA)42 min

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

ElementaryMildred Helms Elementary School★★★★
HighLargo High School★★★★★
MiddleLargo Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Belleair Beach market

Seller’s marketLeans buyer8.3 months of inventoryBuyer’s 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

Aug 17, 2026Listed at $525,000 · 2 days on market since
1978Built · MONTMARTRE-CONDO

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.

3500 GULF BOULEVARD UNIT 204Sold · Sep ’25

$500,000

3500 GULF BOULEVARD UNIT 204 · same community

1 bd · 1 ba · 840 sqft · $595/sqft · 10 DOM

3500 GULF BOULEVARD UNIT 412Sold · Dec ’25

$939,000

3500 GULF BOULEVARD UNIT 412 · same community

2 bd · 2 ba · 1,110 sqft · $846/sqft · 31 DOM

2950 WEST BAY DRIVE UNIT B5Sold · 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.

Yumiko Sugawara

Your agent

Yumiko Sugawara

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3500 GULF BOULEVARD UNIT 204 — start here.

Andrew Acosta

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.

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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