Three Palms Point, St. Pete Beach: Neighborhood Guide
Updated October 2026.
Three Palms Point is a small canal neighborhood on 64th Avenue, Bay Street and four short streets named First through Fourth Palm Point, south of the Corey Avenue shopping district. Most of it is single-family homes, with one larger condominium on 64th Avenue. Listings describe saltwater canal lots with seawalls.
We are John and Nicole Kavaliauskas, licensed Florida Realtors with LoKation Real Estate. Here is what public sources and listing records show about Three Palms Point, and what to confirm before you buy.
Where Three Palms Point is
Recent sales are on 64th Avenue, 1st, 2nd, 3rd and 4th Palm Point, and Bay Street (Estately sold listings). The neighborhood sits south of Corey Avenue, the city’s downtown shopping street. Barkett Realty’s neighborhood overview groups Three Palms Point with Bahia Shores and Brightwater as parallel neighborhoods with water access to the Gulf and the Intracoastal Waterway.
Homes and lots
Pinellas County parcel data shows 188 parcels in the Three Palms Point plat, 170 of them coded as single-family homes, on 64th Avenue, Bay Street, First through Fourth Palm Point and Gulf Winds Drive. The separate Three Palms Pointe condominium on 64th Avenue adds 198 condo units, with its own association rules.
One recent listing on 1st Palm Point was built in 1970, fronts a saltwater canal with a concrete seawall, is in flood zone AE and has no homeowners association (listing). The same listing says the house flooded and that the city issued a non-substantial damage letter estimating damage at 34.8% of the structure value, which is the kind of record every buyer here should ask for.
Water and boating
Canal lots give protected dockage with a route to the bay and the Gulf. Confirm depth at the dock and along the canal, any bridge clearance on the route, dock and lift permits, and the seawall’s condition. Our seawall and dock inspection guide lists what to look for.
Flood zones, elevation and the 2024 storms
Most homes on St. Pete Beach sit in FEMA high-risk flood zones (AE or VE), so flood insurance is required for a federally backed mortgage and the elevation of the house drives both the premium and what you can do to it later. Hurricane Helene pushed a major surge into Pinellas County in September 2024; the National Hurricane Center Helene report lists water levels of 7.26 feet above mean higher high water at Madeira Beach and a record at the St. Petersburg tide gauge. Hurricane Milton followed two weeks later.
For any Three Palms Point address, look up the zone on the FEMA Flood Map Service Center, check for an elevation certificate on the Pinellas County elevation certificate map, and ask whether the city made a substantial damage determination after 2024. Our St. Pete Beach flood zone and insurance guide and FEMA 50% rule guide explain what those answers mean.
Rental rules
According to the Pinellas Realtor Organization summary of local rental rules, St. Pete Beach allows stays under 30 days only in the RM zoning district and the Pass-a-Grille overlay, and no more than three times in 12 months. Rentals of 30 days or longer are allowed in any district. Check the zoning of the specific lot with the city before you count on rental income, and see our short-term rental rules by city.
Before you buy in Three Palms Point
- Confirm the subdivision and lot on the Pinellas County Property Appraiser record
- Get the flood zone, elevation certificate and current flood policy
- Ask for any substantial or non-substantial damage letter, plus permits and invoices for work since 2024
- Inspect the seawall and dock and confirm canal depth
- Get flood and wind insurance quotes early in the inspection period
- Check the zoning if rental income matters to you
Next step
Thinking of selling? See what your Three Palms Point home is worth. Buying? Call or text (727) 955-1222 or send us a message.
More St. Pete Beach neighborhoods: Belle Vista, Vina del Mar, Don CeSar Place, Boca Ciega Isle, Bahia Shores. See the full St. Pete Beach guide and Pass-a-Grille guide.
This page provides general information only and is not legal, tax, or insurance advice. Neighborhood boundaries in listing records are informal. Flood rules, substantial damage determinations, permitting, zoning and rental regulations change and apply differently to each property. Verify details with the City of St. Pete Beach, Pinellas County, FEMA, your insurer, lender or a licensed attorney before making decisions. John and Nicole are licensed Florida Realtors with LoKation Real Estate.
Where is Three Palms Point?
On 64th Avenue, Bay Street and First through Fourth Palm Point in St. Pete Beach, south of the Corey Avenue shopping district.
Are Three Palms Point homes on the water?
Many are. Listings describe saltwater canal frontage with concrete seawalls and water access to the bay and Gulf. Confirm depth and seawall condition for the specific lot.
Does Three Palms Point have an HOA?
Recent single-family listings show no homeowners association. Confirm for the specific property.
Is there a condo in Three Palms Point?
Yes. County records list the Three Palms Pointe condominium on 64th Avenue with 198 units next to the single-family streets. Its association sets its own rental and pet rules.
What is a non-substantial damage letter?
After a storm, the city may estimate damage as a share of the structure value. Below 50%, a home can usually be repaired without meeting current elevation rules. Ask the seller for any letter the city issued.
