650 PINELLAS POINT DRIVE S UNIT 110, ST PETERSBURG, FL, 33705
Active1 days on marketListed Aug 11, 2026MLS #TB8537751
About this home
650 PINELLAS POINT DRIVE S UNIT 110
**Welcome to Velvet Cloake — Where Life Slows Down and the Views Take Over.** Discover the peaceful, waterfront lifestyle you’ve been waiting for at Velvet Cloake, beautifully situated at the tip of Pinellas Point along the sparkling waters of Tampa Bay. Now available is this charming **1-bedroom, 1-bath first-floor condo — with NO STAIRS!** Offered **fully furnished**, this home is truly move-in ready. Just bring your suitcase and settle into your own peaceful retreat. Inside, you’ll find Luxury Vinyl Tile flooring throughout, along with a newer hot water heater and A/C system(Replaced 2026). The inviting kitchen opens seamlessly into the dining and living areas, creating a comfortable and open space for relaxing or entertaining. With plenty of cabinet and counter space, the kitchen offers both functionality and convenience. Whether you’re looking for a tranquil winter getaway, a full-time residence, or your own peaceful escape by the bay, this condo offers a wonderful opportunity to enjoy the Florida lifestyle. Step outside your door and take a refreshing swim in the HEATED POOL, enjoy a friendly game of shuffleboard, or simply sit back and take in the breathtaking views of Tampa Bay. The setting is truly what makes this community special. Velvet Cloake is nestled along the waterfront at the tip of Pinellas Point, offering residents a serene connection to nature and the bay. Community amenities include a recreation room, fishing pier, kayak storage and kayak launch, making it easy to enjoy the beautiful surroundings in whatever way you choose. Take a leisurely stroll along the waterfront walkway and pause on one of the many benches to enjoy the peaceful, stunning views. Watch the boats drift by, feel the gentle coastal breeze, and let the beauty of Tampa Bay become part of your everyday life. As evening falls, look across the water and you may even catch the Sunshine Skyway illuminated in the distance, creating a beautiful backdrop to end the day. Come experience Velvet Cloake for yourself. Once you arrive, you may never want to leave.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
640
Sqft
0.28 ac
Lot size
1967
Year built
One
Levels
$195
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.
$1,153 /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
$1,153/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
−34.5%
$/sqft vs St Petersburg actives
$195 vs $336
Days on market
1 vs 58 typical
Where $195/sqft sits among the 400 St Petersburg 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 Greater Pinellas Point
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Greater Pinellas Point — neighborhood snapshot
Population
17,370
Median age
45
Median income
$64,146
Median home value
$299,751
Avg household
2
Households w/ children
1,896
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)
224 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% below the ST PETERSBURG 33705 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 650 PINELLAS POINT DRIVE S UNIT 110
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$100,000
650 PINELLAS POINT DRIVE S UNIT 211 · same community
1 bd · 1 ba · 640 sqft · $156/sqft · 286 DOM
Sold · Jan ’26$67,500
650 PINELLAS POINT DRIVE S UNIT 231 · same community
1 bd · 1 ba · 725 sqft · $93/sqft · 544 DOM
Sold · Oct ’25$130,000
650 PINELLAS POINT DRIVE S UNIT 216 · same community
2 bd · 1 ba · 775 sqft · $168/sqft · 145 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 650 PINELLAS POINT DRIVE S UNIT 110 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 650 PINELLAS POINT DRIVE S UNIT 110 — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
650 PINELLAS POINT DRIVE S UNIT 110 FAQs
What would the monthly payment be for 650 PINELLAS POINT DRIVE S UNIT 110?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,153/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 650 PINELLAS POINT DRIVE S UNIT 110?+
The most recent tax bill on record (2025) was $2,417. 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 650 PINELLAS POINT DRIVE S UNIT 110?+
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 $125,000, this home is listed about 71% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 650 PINELLAS POINT DRIVE S UNIT 110?+
Maximo 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
Three things that matter here
01Under the ST PETERSBURG 33705 market on paper
$125,000 is 57% below the ST PETERSBURG 33705 median of $292,000, and at $195/sqft it sits under the St Petersburg average of $382.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a St Petersburg market that averages 58 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of PLUMLEE GULF BEACH REALTY · Christa Ballauer. MLS #TB8537751.
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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