
8174 TERRACE GARDEN DRIVE N UNIT 307, ST PETERSBURG, FL, 33709
Active53 days on marketListed Jun 30, 2026MLS #TB8524287
About this home
8174 TERRACE GARDEN DRIVE N UNIT 307
This 1,235 square foot, two bedroom, two bath condo in the Tiffany building at Five Towns offers the kind of easy, connected living that defines this 55+ St. Petersburg community. A private hallway entry opens into a spacious living and dining room built for entertaining or simply settling in. The galley kitchen is generously sized with a closet pantry for plenty of workspace, and just off the kitchen, a sitting room and breakfast area looks out over the pond and the wildlife that visits it, shaded each morning by a mature tree so coffee on a sunny day stays comfortable. Step through to the vinyl-enclosed balcony, where the view opens onto a landscaped lawn, the community's main pond, and its lighted fountain and walking path. The split floor plan keeps the primary suite private in the back of the unit, bonus-sized with a walk-in closet and an ensuite bath featuring an oversized step-in shower, roomy enough for a caregiver if ever needed. The guest bedroom sits up front, generously proportioned, larger than many primary suites elsewhere, with its own full tub and shower bath, giving visiting family or friends a comfortable, separate space. An 8x10 laundry room with full-size washer and dryer adds everyday convenience and extra storage, and a covered parking spot is included with the unit. The Tiffany building, completed in 1985, is one of the newer buildings within Five Towns and stands out for its secured lobby and well-kept community of neighbors. HOA dues run 856 dollars per month, right in line with the community's 600 to 962 dollar range, and cover cable television for two devices, sewer, trash, water, gas service for cooking and heat, high-speed internet, on-site security, and an escrow reserves fund that maintains the building exterior, grounds, and all recreational facilities. Five Towns delivers an active, social lifestyle with six pools, a hot tub, two clubhouses, two fitness centers, tennis and pickleball courts, shuffleboard, billiards, card rooms, a library, bocce, horseshoes, a community walking trail, and a full calendar of clubs and social events, with additional amenity renovations planned across the community in the coming years. This Five Towns home sits less than five miles from the VA Medical Center, Tyrone Mall, and Bardmoor Golf and Tennis Club, with easy reach of the Gulf beaches, downtown St. Petersburg, and an airport 25 minutes away. Worth a conversation, and worth seeing in person.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,235
Sqft
1985
Year built
One
Levels
$80
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 — not generic estimates.
$1,051 /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
$1,051/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
−39.5%
$/sqft vs TERRACE PARK OF FIVE TOWNS
$80 vs $167
Days on market
53 vs 57 typical
Where $80/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 34% below the ST PETERSBURG 33709 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 8174 TERRACE GARDEN DRIVE N UNIT 307
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$145,000
8174 TERRACE GARDEN DRIVE N UNIT 303 · same community
2 bd · 2 ba · 1,235 sqft · $117/sqft · 14 DOM
Sold · Dec ’25$220,000
5980 TERRACE PARK DRIVE N UNIT 214 · same community
2 bd · 2 ba · 1,245 sqft · $177/sqft · 27 DOM
Sold · Mar ’26$151,000
6070 80TH STREET N UNIT 403 · same community
2 bd · 2 ba · 1,245 sqft · $121/sqft · 3 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 8174 TERRACE GARDEN DRIVE N UNIT 307 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8174 TERRACE GARDEN DRIVE N UNIT 307 — 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
8174 TERRACE GARDEN DRIVE N UNIT 307 FAQs
What would the monthly payment be for 8174 TERRACE GARDEN DRIVE N UNIT 307?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,051/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 8174 TERRACE GARDEN DRIVE N UNIT 307?+
The most recent tax bill on record (2025) was $3,168. 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 8174 TERRACE GARDEN DRIVE N UNIT 307?+
The listing reports pets: No. 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 $99,000, this home is listed about 77% 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 8174 TERRACE GARDEN DRIVE N UNIT 307?+
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
01Under the ST PETERSBURG 33709 market on paper
$99,000 is 34% below the ST PETERSBURG 33709 median of $149,950, and at $80/sqft it sits under the St Petersburg average of $377.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $120,000, now $99,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY PORTFOLIO COLLECTION · Chase Walseth. MLS #TB8524287.
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.
Never miss a listing
New St Petersburg homes, in your inbox
Like 8174 TERRACE GARDEN DRIVE N UNIT 307 but not quite? A daily digest of every new listing in St Petersburg — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Shawn to ping you on any price or status change →


