3843 97TH TERRACE N, PINELLAS PARK, FL, 33782
Active286 days on marketListed Dec 8, 2025MLS #TB8454864
About this home
3843 97TH TERRACE N
A comfortable, easy-living lifestyle awaits in this well-kept 2-bed, 2-bath home set within a beautifully maintained 55+ community. Offering 1,576 square feet of living space, this home stands out with newer windows, professionally cleaned flooring, and a thoughtful layout designed for both relaxation and functionality. Inside, the spacious main living area transitions seamlessly into a large Florida room—perfect as a second living space, hobby area, or sunny retreat for morning coffee. Just off the Florida room and kitchen is a versatile craft or storage room, giving you the extra space everyone always wishes they had. The attached 1-car garage includes the laundry area with washer and dryer included (added after the photos were taken; image enhanced to reflect the updated setup), making daily tasks convenient and tidy. Living here means embracing a true lock-and-leave lifestyle. The community handles exterior maintenance, freeing you to enjoy resort-style amenities at your own pace. Meet friends at the clubhouse, stay active in the fitness center, unwind by the pool and hot tub, or join one of the many social activities available. If you’re seeking a spacious, low-maintenance home with room to spread out and a community that feels welcoming, this one checks all the boxes.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,576
Sqft
0.13 ac
Lot size
1
Garage
1971
Year built
One
Levels
$209
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 and the real association fee — not generic estimates.
$3,129 /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
$3,129/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.
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
+5.6%
$/sqft vs Pinellas Park actives
$209 vs $219
Days on market
286 vs 41 typical
Where $209/sqft sits among the 213 Pinellas Park actives
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 Mainlands Of Tamarac By The Gulf
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Pinellas Park. See the full Pinellas Park guide →
Mainlands Of Tamarac By The Gulf — neighborhood snapshot
Population
2,997
Median age
71
Median income
$49,827
Median home value
$243,951
Avg household
2
Households w/ children
95%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Pinellas Park market
$287K → $317K
Pinellas Park median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
113 of 213
Pinellas Park actives have cut their price
Median sold price, Pinellas Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the PINELLAS PARK 33782 median. See the full Pinellas Park market guide →
Paper trail
This home's history
Reality check
What actually sold near 3843 97TH TERRACE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$248,000
9817 40TH STREET N · same community
2 bd · 2 ba · 1,576 sqft · $157/sqft · 78 DOM
Sold · Dec ’25$330,000
10063 40TH STREET N UNIT 3 · same community
2 bd · 2 ba · 1,649 sqft · $200/sqft · 265 DOM
Sold · Apr ’26$425,000
3808 97TH AVENUE N · same community
2 bd · 2 ba · 1,649 sqft · $258/sqft · 50 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3843 97TH TERRACE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3843 97TH TERRACE N — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3843 97TH TERRACE N FAQs
What would the monthly payment be for 3843 97TH TERRACE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,129/mo — principal and interest, the actual property-tax bill, the $497/mo association fee 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.
How much are the HOA fees at 3843 97TH TERRACE N?+
The association fee works out to $497 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3843 97TH TERRACE N?+
The most recent tax bill on record (2024) was $4,603. 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 3843 97TH TERRACE N?+
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 Pinellas Park?+
At $330,000, this home is listed about 12% above the Pinellas Park median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3843 97TH TERRACE N?+
Pinellas Central Elementary School (elementary), Pinellas Park High School (high), FitzGerald Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$330,000 runs 17% above the PINELLAS PARK 33782 median — but at 1,576 sqft it's also 32% larger than the typical Pinellas Park listing.
02Time on market is leverage
286 days on market against a Pinellas Park median of 41 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $360,000, now $330,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY LLC · Andrew Duncan. MLS #TB8454864.
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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