
203 HOWARD DRIVE, BELLEAIR BEACH, FL, 33786
Active0 days on marketListed Aug 11, 2026MLS #TB8530903
About this home
203 HOWARD DRIVE
Thoughtfully designed for elegant entertaining and built with lasting quality in mind, this custom-built Belleair Beach residence embodies the very best of Florida coastal living. It seamlessly blends refined interiors, resort-inspired outdoor spaces, and the confidence of modern coastal construction. Inside, soaring ceilings, abundant natural light, and thoughtfully curated finishes create an atmosphere that is both refined and inviting. Expansive windows frame tranquil canal views, while app-controlled motorized blinds provide effortless comfort and privacy at the touch of a button. At the heart of the home, the chef's kitchen is beautifully appointed with premium Monogram appliances, an induction cooktop, custom cabinetry, and an oversized island that naturally brings everyone together. The adjoining custom bar elevates every occasion, featuring rich cabinetry, a wet bar, wine cooler, ice maker, beverage refrigerator, and generous storage, all perfectly positioned to serve both the main living spaces and outdoor entertaining areas. Whether you're working from home or simply seeking a quiet retreat, the executive office is a standout space with its coffered wood ceiling, custom built-in cabinetry, and timeless architectural detail. Privately situated along the waterfront, the primary suite offers tranquil canal views and a concealed, remote-controlled ceiling-mounted television that lowers effortlessly. Retreat to the primary bath to experience a spa-like walk-in shower, dual vanities, a private loo, and a skylight with motorized blackout shade. A spacious walk-in closet with custom shelving completes the primary suite. Step outside and embrace Florida’s outdoor lifestyle, where the backyard becomes an extension of the home itself. Expansive travertine terraces surround the heated saltwater pool and spa, while natural gas tiki torches, covered gathering spaces, and lush tropical landscaping create an unforgettable setting for entertaining. Along the waterfront, two underwater fish lights and two fish hotels add another dimension to enjoying the canal and its marine life. The composite dock with 10,000-lb boat lift provides quick access to the Intracoastal, making spontaneous days on the water part of everyday life. Beyond its beauty, this home was designed to provide confidence and peace of mind. Built to Miami-Dade wind standards with impact-rated windows, doors, and garage doors, it also features a whole-house natural gas generator, a tankless natural gas instant water heater, and a newly installed flood barrier system protecting every exterior door, including the garage. Icynene spray foam insulation beneath the roof helps maintain attic temperatures within approximately 10 degrees of the living space, improving the home’s overall energy efficiency. The home experienced no flood damage during the 2024 hurricanes, reflecting the thoughtful planning and quality construction throughout. Whether you're cruising to the Intracoastal, taking an evening stroll to the beach (just 330 steps away), or gathering with family and friends under the glow of the tiki torches, this is more than a beautiful waterfront home; it's a place designed to be enjoyed, shared, and lived to its fullest.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,953
Sqft
0.21 ac
Lot size
3
Garage
2014
Year built
One
Levels
$745
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 — not generic estimates.
$13,941 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$13,941/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+17.8%
Days on market
0 vs 67 typical
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 → $850K
Belleair Beach median sold, yr/yr
92.9%
Sale-to-list ratio (12 mo)
Median sold price, Belleair Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 175% above the BELLEAIR BEACH 33786 median. See the full Belleair Beach market guide →
Paper trail
This home's history
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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 203 HOWARD DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 HOWARD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
203 HOWARD DRIVE FAQs
What would the monthly payment be for 203 HOWARD DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,941/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 203 HOWARD DRIVE?+
The most recent tax bill on record (2025) was $13,014. 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 203 HOWARD DRIVE?+
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 $2,200,000, this home is listed about 47% above the Belleair Beach median of $1,499,000. The market section on this page shows how the area is trending.
Which schools are assigned to 203 HOWARD DRIVE?+
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
Four things that matter here
01Positioned at the premium end
$2,200,000 runs 175% above the BELLEAIR BEACH 33786 median — but at 2,953 sqft it's also 23% larger than the typical Belleair Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Listed today in a Belleair Beach market that averages 67 — if it fits, move quickly.
04Strong 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 COASTAL PROPERTIES GROUP INTERNATIONAL · Christina Probeyahn. MLS #TB8530903.
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.
Never miss a listing
New Belleair Beach homes, in your inbox
Like 203 HOWARD DRIVE but not quite? A daily digest of every new listing in Belleair Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kemarie to ping you on any price or status change →