CENTURY 21 Edge
$489,900$495,0003 bd3 ba2,100 sqft$233 /sqft≈$4,265 /mo all-in ↓

545 PINELLAS BAYWAY S UNIT 207, TIERRA VERDE, FL, 33715

Active219 days on marketListed Mar 7, 2026MLS #TB8483148

✦ Reduced $5KTownhouseTERN BAY TWNHMS

About this home

545 PINELLAS BAYWAY S UNIT 207

Virtually Staged. One of the biggest perks of this community is the comprehensive HOA, which covers a wide range of expenses including cable, internet, exterior maintenance and repairs, and even a master flood insurance policy—helping simplify ownership and provide added value. With generous living areas, three private screened outdoor spaces, a two-car tandem garage, extensive storage, newer PGT impact windows, and a community pool just steps from your back door, this home offers the comfort and versatility of a single-family residence with the convenience of townhome living. The ground level features an oversized two-car tandem-style garage with plenty of room for cars, bikes, beach gear, kayaks, and storage. From here, step directly onto your private screened patio, complete with stairs connecting to the balcony above. Just beyond the patio is the beautifully maintained community outdoor area featuring a sparkling pool, lounge seating, gathering tables, and an outdoor shower—creating an inviting setting to relax and enjoy the Florida sunshine. Upstairs, the main living level opens into a bright, spacious floor plan connecting the beautifully remodeled kitchen with the living and dining areas. Updated hurricane-rated windows throughout the home are complemented by electronic window coverings for added comfort and convenience. This level also features a versatile third bedroom or home office with access to its own private screened balcony. A full bathroom serves this room while also providing convenient access from the main living area, making the layout ideal for overnight guests, a home office, or additional living space. Updated flooring completes the main level. The third floor provides exceptional privacy with two spacious bedrooms positioned in a split layout, each featuring its own beautifully updated en-suite bathroom. The primary suite feels like a true retreat, offering direct access through sliding doors to another private screened balcony with remote-controlled shades. A hallway lined with dual walk-in closets leads to the renovated primary bath featuring dual sinks, a large soaking tub, and separate walk-in shower. Down the hall, multiple closets provide impressive additional storage along with conveniently located in-unit laundry and a utility closet. The generously sized guest suite easily accommodates a king-size bed, desk, and additional wardrobe or dresser while also offering two large built-in closets. Its private en-suite bathroom has been updated with a beautiful walk-in shower. Additional improvements include recently replaced interior plumbing, remodeled kitchen and upper-level bathrooms, updated flooring on both living levels, hurricane impact windows, and electronic window treatments. The building exterior is also scheduled to receive a fresh coat of paint, adding to the community's well-maintained appearance. Located on Tierra Verde along the Pinellas Bayway, this home puts some of the area's best recreation, dining, beaches, and destinations within easy reach. Spend the day exploring Fort De Soto Park and its beaches, trails, kayak launches, fishing areas, and waterfront scenery, or head toward the sugar-sand beaches of St. Pete Beach. The restaurants and local businesses of Tierra Verde are close to home, while quick access to the Pinellas Bayway and I-275 makes it easy to reach Downtown St. Petersburg, the Sunshine Skyway Bridge, Gulf beaches, marinas, boating, golf, shopping, entertainment, and Tampa Bay area airports.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,100

Sqft

0.03 ac

Lot size

2

Garage

1999

Year built

Three Or More

Levels

$233

Per sqft

FireplacePool viewPets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Touchless Faucet · Washer
InteriorCeiling Fan(s) · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Wood Frame
FoundationSlab
ViewPool
FacesNorth
ParkingGarage Door Opener · Ground Level · Guest · Tandem
ExteriorBalcony · Lighting · Outdoor Shower · Rain Gutters · Sliding Doors · Sprinkler Metered · Storage

Community & fees

HOA fee$700/mo
Taxes (2025)$3,651/yr
PetsYes
CommunityDock · Fishing · Water Access · Waterfront · Deed Restrictions · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

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.

$4,265 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,884
FHA mortgage insurance (est.)$217
Property tax — 2025 actual bill$304
HOA fee — from the listing$700
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,147Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,147
Interest rate6.00%
Loan term

Estimated payment

$4,265/mo

Principal & interest$2,884
FHA mortgage insurance (est.)$217
Property taxes (actual bill)$304
HOA / condo fee$700
Est. insurance$160

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.

List $490K
$470KedgeAI estimate $865,481 · range $779K–$952K$990K

vs edgeAI estimate

−43.4%

$/sqft vs Tierra Verde actives

$233 vs $451

Days on market

219 vs 113 typical

Where $233/sqft sits among the 75 Tierra Verde actives

30 · this home
26
3
6
3
7
$233–424$424–615$615–806$806–997$997–1187$1187+

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 Tierra Verde

Drive times from this address

Downtown Tampa≈ 37 min
Tampa Int’l Airport (TPA)≈ 37 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Tierra Verde. See the full Tierra Verde guide →

TIERRA VERDE 33715 — neighborhood snapshot

Population

7,932

Median age

62.6

Median income

$105,068

Median home value

$539,700

Avg household

1.99

Households w/ children

442

For the school run

Pinellas County School District

ElementaryGulfport Montessori Elementary School★★★★★
MiddleBay Point Middle School★★★★★
HighLakewood High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Tierra Verde market

Seller’s marketLeans buyer — 10.9 months of inventoryBuyer’s market

$986K → $1.0M

Tierra Verde median sold, yr/yr

94.4%

Sale-to-list ratio (12 mo)

39 of 75

Tierra Verde actives have cut their price

Median sold price, Tierra Verde, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 67% above the TIERRA VERDE 33715 median. See the full Tierra Verde market guide →

Paper trail

This home's history

CurrentPrice reduced to $489,900 ▼ $5K
Mar 7, 2026Listed at $495,000 · 219 days on market since
1999Built · TERN BAY TWNHMS

Reality check

What actually sold near 545 PINELLAS BAYWAY S UNIT 207

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

545 PINELLAS BAYWAY S UNIT 301Sold · Apr ’26

$500,000

545 PINELLAS BAYWAY S UNIT 301 · same community

3 bd · 3 ba · 2,100 sqft · $238/sqft · 42 DOM

842 2ND AVENUE SSold · Apr ’26

$1,160,000

842 2ND AVENUE S

4 bd · 3.5 ba · 2,103 sqft · $552/sqft · 73 DOM

630 PINTA DRIVESold · Apr ’26

$565,000

630 PINTA DRIVE

3 bd · 2 ba · 2,071 sqft · $273/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.

Tommy Trainer

Your agent

Tommy Trainer

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 545 PINELLAS BAYWAY S UNIT 207 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 545 PINELLAS BAYWAY S UNIT 207 — before you fall in love.

See it in person

Schedule a tour

Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

545 PINELLAS BAYWAY S UNIT 207 FAQs

What would the monthly payment be for 545 PINELLAS BAYWAY S UNIT 207?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,265/mo — principal and interest, the actual property-tax bill, the $700/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 545 PINELLAS BAYWAY S UNIT 207?+

The association fee works out to $700 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 545 PINELLAS BAYWAY S UNIT 207?+

The most recent tax bill on record (2025) was $3,651. 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 545 PINELLAS BAYWAY S UNIT 207?+

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 Tierra Verde?+

At $489,900, this home is listed about 47% below the Tierra Verde median of $919,500. The market section on this page shows how the area is trending.

Which schools are assigned to 545 PINELLAS BAYWAY S UNIT 207?+

Gulfport Montessori Elementary School (elementary), Bay Point Middle School (middle), Lakewood High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$489,900 runs 67% above the TIERRA VERDE 33715 median.

02Pool views

The pool view is part of what you're buying — views hold value independently of the structure.

03Know the monthly fee

The association fee is $700/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

04The price has already moved

Listed at $495,000, now $489,900 — a $5K cut. The full history is in the market section below.

Listing courtesy of EXIT SUNCOAST REALTY · Megan Beal LLC. MLS #TB8483148.

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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