221 HOWARD, BELLEAIR BEACH, FL, 33786 — photo 1
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221 HOWARD, BELLEAIR BEACH, FL, 33786

$1,999,000

5 Beds3 Baths3,463 Sq FtBuilt 19680.26 Acres2 GaragePool

About This Property

Discover coastal luxury at its finest in this updated 5-bedroom, 3-bathroom waterfront residence with a 2-car garage, ideally situated on Howard Drive — the only naturally formed island on Belleair Beach. This exclusive location offers the highest elevation in the area and is renowned for having the deepest water on Belleair Beach, providing both exceptional boating conditions and long-term peace of mind. Set on a spacious 0.26-acre parcel—one of the largest in Belleair Beach and nearby waterfront communities—this property features 100 feet of deep-water canal frontage with direct access to the Gulf of Mexico. The hurricane-rated dock accommodates two boats up to 45 feet and includes the ability to add lifts for boats, jet skis, or paddleboards. A lushly landscaped front courtyard welcomes you with coastal charm and privacy before leading into the home’s bright, open interior. Inside, every detail has been thoughtfully designed and recently upgraded for elegance, comfort, and efficiency. The chef’s kitchen is a true centerpiece, showcasing 2025 Dura Supreme cabinetry with a lifetime manufacturer’s warranty, high-grade exotic Cristallo Quartzite countertops cut from a single slab, and state-of-the-art Thermador and Bosch appliances, including a natural gas range, French door refrigerator, built-in microwave, and dual wine cooler. A custom-built pantry and laundry cabinetry add to the home’s seamless functionality. The spacious primary suite offers a spa-like retreat, featuring all-natural marble walls, a soaking tub, a modern double vanity, and a large waterfront window that fills the space with natural light. Czech crystal chandeliers in the living room, dining area, primary bedroom, and en suite add a touch of refined luxury. Each bedroom includes Closets by Design custom systems, ensuring ample and stylish storage. The home has been extensively modernized with a 2024 roof with a 50-year GAF manufacturer’s warranty, 2023 Daikin energy-efficient HVAC system (plus a secondary unit for the bedrooms), hurricane-resistant windows and sliding glass doors, and a fully updated electrical system. Outdoors, the backyard oasis features a sparkling pool with a waterfall feature, surrounded by lush tropical landscaping perfect for relaxing or entertaining. Additional highlights include a 2025 LG washer and natural gas dryer, new pool equipment under full warranty, gas water heater, and an ADT smart security system with Google cameras, all combining to provide comfort, safety, and modern convenience. Adding tremendous future value and investment potential, the seller is including fully approved architectural plans by ArcDesign, one of the area’s premier design firms, for a second-story addition. The plans include two additional bedrooms, one bathroom, a large common area, new staircase, and a redesigned roofline, creating the opportunity to significantly expand the home’s living space and elevate its market value. Whether as a primary home or luxurious coastal retreat, this residence embodies modern craftsmanship, timeless design, and premier Gulf Coast living in one of Belleair Beach’s most exclusive locations. Homes like this are rare—schedule your private showing today and experience the beauty and coastal elegance of this Belleair Beach oasis.

Subdivision

HOWARD ESTATES

Status

Active

Listed By

FLORIDA HOMES RLTY & MORTGAGE

Days on Market

2

Mortgage Calculator

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Est. Monthly Payment

$12,610

30-yr fixed · 20% down · 6.875%

Principal & Interest$10,506
Property Tax (actual)$1,272
Est. Home Insurance~0.5% est.$833
Total / month$12,610
Loan amount$1,599,200

Estimates only — taxes and insurance are approximate. PMI rate, actual lender fees, and closing costs not included. Contact a licensed lender for a precise quote.

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MLS# fe9f29c52413ce1dd5afeaba16c8fc31

Location