8198 TERRACE GARDEN DRIVE N UNIT 411, ST PETERSBURG, FL, 33709
Active206 days on marketListed Jan 27, 2026MLS #TB8469309
About this home
8198 TERRACE GARDEN DRIVE N UNIT 411
Welcome to this beautifully updated 2BR/2BA, 1,700 sq ft condo in the highly sought-after 55+ community of Terrace Park at Five Towns. Designed for comfort and low-maintenance living, this spacious home features porcelain tile flooring throughout, plantation shutters, hurricane-rated window protection, and a stylish kitchen with transitional cabinetry, granite countertops, gas stove, and stainless steel appliances. The generous primary suite offers a walk-in closet, updated bathroom, and a private balcony overlooking peaceful green space—an ideal spot to unwind. The second bedroom is well-sized with convenient access to the updated guest bath. A second balcony extends from the living area, providing additional outdoor space for relaxing or entertaining. Practical features include an in-unit laundry room, covered carport, elevator access, multiple storage areas, and the rare benefit of this building’s exclusive pool, a unique perk within Five Towns. Residents enjoy a true resort-style lifestyle with multiple pools, scenic walking paths, tennis and pickleball courts, a clubhouse, fitness center, and a full calendar of social activities. The HOA covers cable, internet, natural gas, water, sewer, trash, pest control, and all amenities—leaving only the electric bill. Located just minutes from award-winning beaches, shopping, dining, and major highways, this condo offers the perfect blend of convenience, comfort, and active living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,700
Sqft
5.33 ac
Lot size
1985
Year built
One
Levels
$199
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.
$3,652 /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
$3,652/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
+26.4%
$/sqft vs TERRACE PARK OF FIVE TOWNS
$199 vs $161
Days on market
206 vs 57 typical
Where $199/sqft sits among the 27 homes for sale in TERRACE PARK OF FIVE TOWNS
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 Terrace Park Of Five Towns
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Terrace Park Of Five Towns — neighborhood snapshot
Population
1,712
Median age
71
Median income
$44,623
Median home value
$192,150
Avg household
2
Households w/ children
33%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
18 of 27
TERRACE PARK OF FIVE TOWNS have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 126% above the ST PETERSBURG 33709 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 8198 TERRACE GARDEN DRIVE N UNIT 411
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$348,800
8186 TERRACE GARDEN DRIVE N UNIT 101 · same community
2 bd · 2 ba · 1,765 sqft · $198/sqft · 124 DOM
Sold · Feb ’26$230,000
8186 TERRACE GARDEN DRIVE N UNIT 307 · same community
2 bd · 2 ba · 1,435 sqft · $160/sqft · 16 DOM
Sold · Aug ’25$262,500
8186 TERRACE GARDEN DRIVE N UNIT 604 · same community
2 bd · 2 ba · 1,435 sqft · $183/sqft · 0 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8198 TERRACE GARDEN DRIVE N UNIT 411 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8198 TERRACE GARDEN DRIVE N UNIT 411 — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8198 TERRACE GARDEN DRIVE N UNIT 411 FAQs
What would the monthly payment be for 8198 TERRACE GARDEN DRIVE N UNIT 411?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,652/mo — principal and interest, the actual property-tax bill, the $991/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 8198 TERRACE GARDEN DRIVE N UNIT 411?+
The association fee works out to $991 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8198 TERRACE GARDEN DRIVE N UNIT 411?+
The most recent tax bill on record (2024) was $4,266. 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 8198 TERRACE GARDEN DRIVE N UNIT 411?+
The listing reports pets: Size Limit, 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 St Petersburg?+
At $339,000, this home is listed about 21% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8198 TERRACE GARDEN DRIVE N UNIT 411?+
Pinellas Park Middle School (middle), Marjorie Kinnan Rawlings Elementary (elementary), Dixie M. Hollins High School (high) — 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
$339,000 runs 126% above the ST PETERSBURG 33709 median — but at 1,700 sqft it's also 28% larger than the typical St Petersburg listing.
02Know the monthly fee
The association fee is $991/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
206 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Joel Miller. MLS #TB8469309.
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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