5980 TERRACE PARK DRIVE N UNIT 309, ST PETERSBURG, FL, 33709
Active133 days on marketListed Apr 9, 2026MLS #TB8495609
About this home
5980 TERRACE PARK DRIVE N UNIT 309
Welcome to this beautifully updated 2-bedroom, 2-bath condo in the highly desirable 55+ community of Five Towns, located in the Shoreview East building. Offering an open floor plan and serene pond views, this move-in ready residence combines modern upgrades with low-maintenance living in an amenity-rich setting. Inside, you’ll find stylish vinyl flooring throughout, a spacious kitchen featuring a large island, quartz countertops, and updated, white appliances—perfect for both everyday living and entertaining. The unit also includes a newer washer and dryer with an updated laundry closet for added convenience, as well as plantation shutters in the bedroom for a refined touch. Major systems and community improvements provide peace of mind, including a newer roof, resurfaced parking lot, fresh building paint, and updated exterior and door lighting. The AC has been regularly serviced semi-annually and enhanced with UV light technology, and the unit features a central gas water heater. Step outside to your brand-new screened patio (2026), the perfect place to relax and enjoy tranquil water views. Additional highlights include covered carport parking and elevator access within the building. Five Towns offers an exceptional lifestyle with multiple pools, a large clubhouse, shuffleboard, and beautifully maintained grounds with mature landscaping—ideal for peaceful, shaded walks. Conveniently located near shopping, the interstate, and some of the nation’s top-rated beaches, this home truly has it all.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
144 ac
Lot size
1978
Year built
One
Levels
$218
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.
$2,814 /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
$2,814/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
+65.4%
$/sqft vs TERRACE PARK OF FIVE TOWNS
$218 vs $161
Days on market
133 vs 57 typical
Where $218/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 St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33709 — neighborhood snapshot
Population
25,371
Median age
53.3
Median income
$52,621
Median home value
$190,300
Avg household
2.2
Households w/ children
1,922
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 60% 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 5980 TERRACE PARK DRIVE N UNIT 309
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$165,000
6190 80TH STREET N UNIT 204 · same community
2 bd · 2 ba · 1,100 sqft · $150/sqft · 82 DOM
Sold · Mar ’26$120,000
5970 80TH STREET NORTH UNIT 206 · same community
2 bd · 2 ba · 1,100 sqft · $109/sqft · 107 DOM
Sold · Mar ’26$110,000
5980 80TH STREET N UNIT 405 · same community
2 bd · 2 ba · 1,100 sqft · $100/sqft · 38 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 5980 TERRACE PARK DRIVE N UNIT 309 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5980 TERRACE PARK DRIVE N UNIT 309 — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5980 TERRACE PARK DRIVE N UNIT 309 FAQs
What would the monthly payment be for 5980 TERRACE PARK DRIVE N UNIT 309?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,814/mo — principal and interest, the actual property-tax bill, the $921/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 5980 TERRACE PARK DRIVE N UNIT 309?+
The association fee works out to $921 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5980 TERRACE PARK DRIVE N UNIT 309?+
The most recent tax bill on record (2025) was $2,579. 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 5980 TERRACE PARK DRIVE N UNIT 309?+
The listing reports pets: Cats OK. 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 $239,900, this home is listed about 44% 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 5980 TERRACE PARK DRIVE N UNIT 309?+
Westgate Elementary School (elementary), Dixie M. Hollins High School (high), Tyrone Middle School (middle) — 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
$239,900 runs 60% above the ST PETERSBURG 33709 median.
02Know the monthly fee
The association fee is $921/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
133 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $255,000, now $239,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LUXURY & BEACH REALTY INC · Krystal Arnold. MLS #TB8495609.
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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