131 86TH TERRACE, ST PETERSBURG, FL, 33706
Active20 days on marketListed Jul 17, 2026MLS #TB8530184
About this home
131 86TH TERRACE
Virtually Staged. Your opportunity to build on one of Treasure Island's most sought-after beach communities starts here. Located on Sunset Beach and just moments from the Gulf of America, this exceptional vacant homesite offers the rare chance to create a custom coastal residence in a location where every day feels like a vacation. Whether you're dreaming of a luxury beach home, a weekend retreat or a long-term investment, this property provides the ideal canvas to bring your vision to life. Enjoy the relaxed island atmosphere with easy access to renowned white-sand beaches, waterfront dining, live entertainment, marinas and endless opportunities for boating, fishing, paddleboarding and unforgettable Gulf Coast sunsets. Conveniently located near John's Pass, downtown St. Petersburg and Tampa International Airport, you'll enjoy the perfect balance of tranquil beach living and easy access to shopping, dining, arts and entertainment. Adding to its appeal, this 60-by-50-foot (2,997± sq. ft.) homesite is almost ready for construction, with the lot already cleared to help streamline the building process. All you need is a vision. Bring your architect and builder to create a one-of-a-kind residence in one of Treasure Island's most desirable beachside communities. Images have been digitally modified and enhanced for illustrative purposes only. Pristine sands and golden sunsets, this is a life worth building for.
Facts & features
The home at a glance
0.07 ac
Lot size
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.
$3,073 /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
$3,073/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.
Where it sits
Inside St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33706 — neighborhood snapshot
Population
15,347
Median age
62.2
Median income
$97,364
Median home value
$616,800
Avg household
1.79
Households w/ children
453
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 Petersburg market
$380K → $420K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the ST PETERSBURG 33706 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 131 86TH TERRACE
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$180,000
6800 SUNSET WAY UNIT 701
0 bd · 1 ba · 310 sqft · $581/sqft · 29 DOM
Sold · Jun ’26$404,000
6700 SUNSET WAY UNIT 105
0 bd · 1 ba · 405 sqft · $998/sqft · 84 DOM
Sold · May ’26$278,000
7000 BEACH PLAZA UNIT 205
0 bd · 1 ba · 448 sqft · $621/sqft · 190 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 131 86TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 131 86TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
131 86TH TERRACE FAQs
What would the monthly payment be for 131 86TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,073/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 131 86TH TERRACE?+
The most recent tax bill on record (2025) was $5,412. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Petersburg?+
At $389,000, this home is listed about 11% below the St Petersburg median of $437,000. The market section on this page shows how the area is trending.
Which schools are assigned to 131 86TH TERRACE?+
Azalea Middle School (middle), Azalea Elementary School (elementary), Boca Ciega High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INTL REALTY · Colin Kennedy. MLS #TB8530184.
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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