521 PINELLAS BAYWAY S UNIT 105, TIERRA VERDE, FL, 33715
Active2 days on marketListed Sep 2, 2026MLS #TB8538921
About this home
521 PINELLAS BAYWAY S UNIT 105
Boater’s Paradise! Live the waterfront lifestyle in this well-appointed 3 Bedroom, 3.5 Bath townhome with Deeded Boat slip and Lift in the sought-after community of Tierra Shores in Tierra Verde! Beautifully updated and immaculately cared for by one owner! You will love the attention to detail this home offers including crown molding, decorative shutters on windows and doors, wood floors, updated kitchen and baths, hurricane-rated impact windows and triple sliding doors! Upon entry, you will be welcomed by a spacious foyer which leads to the wood staircase to the main living area. You will love the flow of the home with an open and spacious Living room with fireplace and slider to a screened balcony overlooking the waterfront and your private boat slip. An open-concept kitchen and dining area provides the perfect flow for hosting guests. The Kitchen has been updated and includes an eat-in island, breakfast bar, quartz countertops, and newer appliances! There is a versatile bedroom featuring a full bathroom, a built-in Murphy bed, a dedicated desk workstation and shelving unit, creating a perfect home office. Upstairs is the generously sized Primary suite with his and her walk-in closets and a newly renovated ensuite with dual sinks, quartz countertops, updated tile, soaking tub and separate shower. The primary suite also enjoys their own screened private balcony overlooking the waterfront! Rounding out the upper level is a convenient laundry area and a private third bedroom, complete with an updated bath featuring a modern vanity and premium quartz countertops. The home offers plenty of storage for all your toys in the 3-car tandem garage with epoxy floors, storage closets, as well as another bathroom and there is a screened in patio with access to the common space and dock! Magnificent views of the water which lead you to the bay in minutes! Community Pool! This home is situated near shops and restaurants. Minutes to Fort De Soto State Park, St. Pete Beach and Pass-a-Grill. Short drive to downtown St Petersburg! Located near major highways for easy access to St Pete/Clearwater and Tampa International airports! Whether looking for a primary residence or secondary home this Townhome has it all! Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,140
Sqft
0.03 ac
Lot size
3
Garage
2000
Year built
Three Or More
Levels
$456
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.
$6,568 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,568/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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%
$/sqft vs Tierra Verde actives
$456 vs $433
Days on market
2 vs 99 typical
Where $456/sqft sits among the 67 Tierra Verde 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 Tierra Verde
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Tierra Verde. See the full Tierra Verde guide →
The numbers that matter
The Tierra Verde market
$986K → $995K
Tierra Verde median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
38 of 67
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 13% above the Tierra Verde median. See the full Tierra Verde market guide →
Paper trail
This home's history
Reality check
What actually sold near 521 PINELLAS BAYWAY S UNIT 105
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$824,000
521 PINELLAS BAYWAY S UNIT 301 · same community
3 bd · 3 ba · 2,140 sqft · $385/sqft · 76 DOM
Sold · Aug ’26$400,000
521 PINELLAS BAYWAY S UNIT 202 · same community
3 bd · 3 ba · 2,140 sqft · $187/sqft · 131 DOM
Sold · Sep ’25$949,000
1110 2ND AVENUE S
3 bd · 2 ba · 2,126 sqft · $446/sqft · 27 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 521 PINELLAS BAYWAY S UNIT 105 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 521 PINELLAS BAYWAY S UNIT 105 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
521 PINELLAS BAYWAY S UNIT 105 FAQs
What would the monthly payment be for 521 PINELLAS BAYWAY S UNIT 105?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,568/mo — principal and interest, the actual property-tax bill, the $770/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 521 PINELLAS BAYWAY S UNIT 105?+
The association fee works out to $770 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 521 PINELLAS BAYWAY S UNIT 105?+
The most recent tax bill on record (2025) was $134. 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 521 PINELLAS BAYWAY S UNIT 105?+
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 $975,000, this home is listed about 13% above the Tierra Verde median of $862,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$975,000 runs 13% above the Tierra Verde median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $770/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 2 days on market in a Tierra Verde market that averages 99 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Sheri Holden. MLS #TB8538921.
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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