Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

HomeJam
Search Homes

List Price

$1,150,000

121 7th, Belleair Beach, FL 33786

36 days on market

Estimated Payment

$7,834/mo

20% down and current market rates

Bedrooms4 bdBathrooms2 baLiving area2,398 Square FeetYear builtBuilt 1996

Listed by

Mike Wheaton

COASTAL PROPERTIES GROUP

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Welcome to the laid-back coastal lifestyle of Belleair Beach! With this home having an 8.5-foot-high elevation, you’ll have peace of mind knowing it stayed dry during the storms experiencing no damage. The owners’ flood policy is super low at $1,907 and transferrable! This spacious 4-bedroom, 2-bathroom home offers nearly 2,400 square feet of living space and an incredible location just one block from the beach. Inside, the generous floor plan is enhanced by 12’ vaulted ceilings throughout that create an open, airy feel and provide plenty of room for family and guests. The kitchen has been updated with newer stainless-steel appliances and granite counter tops and opens to the living and dining area. The primary suite offers a relaxing escape with an ensuite bath featuring a soaking tub, walk-in shower, private water closet, and ample space to unwind.

121 7th, Belleair Beach, FL 33786 in Belleair Beach, FL 33786 is listed for $1,150,000. The home has 4 bedrooms, 2 bathrooms, and 2,398 square feet, and was built in 1996. Listed 36 days ago. The listing is held by COASTAL PROPERTIES GROUP.

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$7,844 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $230,000

$

$7,834/moest.

  • Principal & Interest 79%
  • Property Taxes 8%
  • Insurance 12%
Principal & Interest
$6,222
Property Taxesfrom listing
$654
Insurance
$958

30-year fixed at 7.164%, as of November 10, 2026

Above the $832,750 conforming limit, most lenders ask for 10 to 20 percent down and terms vary. Conforming rate shown; jumbo rates vary.

At 20% down, a loan on this home is jumbo.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

106 Wall, Redington Shores, FL 33708

$995,000

106 Wall, Redington Shores, FL 33708

3 bd · 2 ba · 1,919 sq ft

9925 Sago Point, Seminole, FL 33777

$1,242,360

9925 Sago Point, Seminole, FL 33777

4 bd · 3 ba · 2,856 sq ft

10154 Hodson, Seminole, FL 33776

$985,000

10154 Hodson, Seminole, FL 33776

4 bd · 3 ba · 2,638 sq ft

8209 134th, Seminole, FL 33776

$925,000

8209 134th, Seminole, FL 33776

4 bd · 3 ba · 2,733 sq ft

Frequently Asked Questions

The estimated monthly payment is $7,834, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $7,844 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR813574018. HomeJam is not the listing broker.

List Price

$1,150,000

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.