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109 Ponce De Leon Blvd, Belleair, FL, 33756

3beds
3baths
2,058sqft
$829,000
$403price/sqft
$7,095/moest. monthly cost
$283,800/yrincome needed

About This Home

Tucked on a corner lot in the heart of Belleair, this unique custom-built home radiates timeless character and storybook appeal. A circular drive and thoughtfully designed zero-scaped yard filled with native, easy-care plantings create an inviting cottage feel, while nearby parks, scenic walking paths, and waterfront green spaces along the Intracoastal offer a tranquil, picturesque setting just moments from your door. Inside, the home is warm, welcoming, and rich with artistic flair. A versatile, well-designed layout offers flexibility for modern living, highlighted by a spacious kitchen with stainless steel appliances, and a cozy breakfast area to enjoy serene views of a lush courtyard. The desirable split-bedroom plan provides privacy, with each of the three bedrooms featuring its own adjoining bath. Three spacious living areas create the perfect backdrop for entertaining or relaxing, enhanced by custom pillars, detailed trim, crown molding, baseboards, and a blend of 18" tile and wood flooring throughout. Additional spaces include a utility room and a bonus room ideal for a home office, guest space, or extra storage, with the potential to easily convert back into a second garage. French doors lead to a screened porch, where a flagstone patio and charming brick walkways extend the living space outdoors. Thoughtful extras such as a security system, storm shutters, an interior cedar closet, and a dedicated garage work area add both comfort and function. Ideally located near boutique shopping, dining, two private golf courses, and the area’s renowned white sand beaches, this one-of-a-kind home offers a rare blend of character, convenience, and coastal charm.

Getting Around

39
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

7/10
4/10
Largo Middle SchoolGrades 6-82.2 mi
5/10
Largo High SchoolGrades PK,9-121.8 mi

Construction

Condition

  • Year built: 1951

Materials

  • Foundation: Slab
  • Roof: Tile
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Range,Refrigerator,Washer
  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s),Eating Space In Kitchen,Living Room/Dining Room Combo,Thermostat,Walk-In Closet(s)
  • Door features: French Doors
  • Window features: Blinds,Window Treatments,Hurricane Shutters
  • Flooring: Laminate,Tile

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,058
  • Total interior livable area: 2,058 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 282915067320340200
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Front Porch
  • Exterior features: Irrigation System
  • Fencing: Vinyl,Wood
  • Residential vegetation: Bamboo,Mature Landscaping,Trees/Landscaped

Lot

  • Lot size: 0.29 Acres
  • Features: Corner Lot,In County,Landscaped
  • Lot size dimensions: 100 x 125

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Cold Wave
Tornado
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,191$50,292
Home Insurance *$1,532$18,384
Property Taxes $1,165$13,980
Electricity $207$2,485
Total$7,095$85,140
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$243,257/yr
40% on housing$212,850/yr
45% on housing$189,200/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$403This listing

vs Other Active Listings

Avg $/sqft

ZIP 33756$353
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 33756$271
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-06Listed for sale$829,000
2026-04-18Listing removed$839,000
2026-04-03Price change$839,000
2026-03-11Price change$875,000
2026-01-31Price change$855,000
2026-01-21Price change$889,000
2026-01-07Price change$919,000
2025-12-05Price change$947,000
2025-11-17Price change$962,500
2025-10-16Listed for sale$977,500
2011-07-19Sold$254,000
2011-03-17Listed for sale$267,500
2006-08-29Sold$450,000
2005-02-04Sold$450,000
2001-07-09Sold$260,000
1995-05-01Sold$155,000

For Sale by Agent

AgentMartha Thorn
BrokerageCOLDWELL BANKER REALTY

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