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

HomeJam
Search Homes

List Price

$261,000

186 Boca Ciega Point South, St Petersburg, FL 33708

58 days on market

Estimated Payment

$2,723/mo

20% down and current market rates

Bedrooms2 bdBathrooms2 baLiving area1,400 Square FeetYear builtBuilt 1974

Listed by

Ray Ingandela

KELLER WILLIAMS RLTY NEW TAMPA

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

Virtually Staged. Coastal Living Meets Effortless Comfort in Boca Ciega Point…Welcome home to 186 Boca Ciega Point Blvd S, a light-filled 2-bedroom, 2-bathroom Intracoastal water view villa-styled condo offering 1,400 sq. ft. of relaxed Florida charm. Nestled inside one of the area’s most desirable, pet-friendly 24-hour gated 55+ condo communities, this single-story sanctuary delivers an ideal blend of privacy, community, and resort-style living—just 5 minutes from the beach! Inviting Layout: Step into a welcoming front courtyard that leads into an open, split-bedroom floor plan designed for maximum privacy and seamless entertaining. Bright 12x26 Florida Room: Unwind in the spacious great room that flows naturally into a sunlit Florida room with a “wall of glass” affords you serene views of lush mangrove green space and partial Intracoastal vistas across to Madeira Beach. Functional Comforts: Features a remodeled, eat-in kitchen with granite counters & direct access to the private, walled front courtyard; an attached oversized 1-car garage with laundry; (convenient guest parking right across the street. Roll-up Hurricane shutters on Lanai. Unmatched Resort Amenities: Living at Boca Ciega Point means every day feels like a vacation. Enjoy active, low-maintenance living with access to: Heated community pool & clubhouse, fitness center & library; tennis, pickleball, bocce ball, shuffleboard, and pitch-and-putt golf. PLUS, there are Social, travel, and boating clubs. Condo Assn covers exterior maintenance, groundskeeping, cable, fiber optic internet, water, and trash pickup, 24-hr security, common area insurance. Whether you are seeking a year-round paradise or a sunny seasonal retreat, this villa offers the ultimate coastal lifestyle minutes from top restaurants, shopping, and sandy shores!

186 Boca Ciega Point South, St Petersburg, FL 33708 in St Petersburg, FL 33708 is listed for $261,000. The home has 2 bedrooms, 2 bathrooms, and 1,400 square feet, and was built in 1974. Listed 58 days ago. The listing is held by KELLER WILLIAMS RLTY NEW TAMPA.

33708 Market Report

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$2,518 (tax year 2025)
HOA fee$883 per month

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): $52,200

$

$2,723/moest.

  • Principal & Interest 52%
  • Property Taxes 8%
  • Insurance 8%
  • HOA 32%
Principal & Interest
$1,412
Property Taxesfrom listing
$210
Insurance
$218
HOA
$883

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

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

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

1050 Starkey Unit 709, Largo, FL 33771

$310,000

1050 Starkey Unit 709, Largo, FL 33771

3 bd · 2 ba · 1,300 sq ft

7294 55th, St Petersburg, FL 33709

$285,000

7294 55th, St Petersburg, FL 33709

3 bd · 2 ba · 1,085 sq ft

7360 Ulmerton Unit 2e, Largo, FL 33771

$250,000

7360 Ulmerton Unit 2e, Largo, FL 33771

2 bd · 2 ba · 1,090 sq ft

7360 Ulmerton Unit 10d, Largo, FL 33771

$235,900

7360 Ulmerton Unit 10d, Largo, FL 33771

2 bd · 2 ba · 1,086 sq ft

Frequently Asked Questions

The estimated monthly payment is $2,723, 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 $2,518 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# MFR801324863. HomeJam is not the listing broker.

List Price

$261,000

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.