
8198 TERRACE GARDEN DRIVE UNIT 511, ST PETERSBURG, FL, 33709
Active49 days on marketListed Sep 2, 2026MLS #TB8544904
About this home
8198 TERRACE GARDEN DRIVE UNIT 511
***MOTIVATED SELLER, MAKE AN OFFER*** Meet Your Next Florida Home. Comfortable, Spacious & Full of Possibility! Hi there! I’m a 1,700-square-foot, top-floor end-unit condo in the Radcliffe building at Terrace Park of Five Towns, and I think we should get to know each other. For starters, I’m a 2-bedroom, 2-bathroom 55+ condo with plenty of room to spread out, entertain, relax, or simply enjoy having a little more elbow room. I’m on the top floor, so there’s no one above me, and because I’m an end unit, I get some extra natural light and privacy. Not to brag, but I’ve got some pretty good qualities. Come through my bright entry foyer, where you’ll find a coat closet and neutral tile flooring. From there, my spacious living room, formal dining area, and flexible den/family room create a generous, open-feeling layout with plenty of options for how you want to live. But perhaps my favorite feature? I have two enclosed all-season patios. One stretches off the living room and den, giving you even more living space, while the other belongs exclusively to the primary suite. They’re perfect for morning coffee, afternoon reading, entertaining—or just sitting outside without actually having to sit outside. My primary suite is generously sized and includes a walk-in closet, an additional storage closet, and a private ensuite bath with both a walk-in shower and separate soaking tub. The second bedroom and full guest bath give visitors their own comfortable space when friends or family come to stay. Yes, I live in a 55+ community, but let’s not get hung up on age. I’ve aged gracefully, and my bathrooms would agree. They’re still in perfectly decent shape, even if you decide they could use a little modern flair. Now, let’s talk about my kitchen. I’ll be honest: I’m ready for a little magic. My original cabinets are still here, waiting for someone with a vision, and the kitchen flooring has already been removed and prepped for a fresh update. In other words, I’m not pretending to be something I’m not. I’m giving you a blank canvas to create the kitchen you actually want. I even have a gas range, pantry, and convenient pass-through to the den, so the bones are here. Bring your ideas! I also have a large laundry room with built-in cabinetry, giving you plenty of storage, and the washer and dryer can stay. And then there’s Terrace Park of Five Towns, where there’s plenty happening beyond my four walls. The community is continuing to invest in its future through its Reimagine projects, with Phase 1 including a new RV parking area, coin-operated car wash, bocce courts, and pickleball courts. Phase 2 is slated to bring a new fitness center along with a walkway connecting residents to the facility. There are also plans being explored for a shade structure at the Radcliffe Pool, with proposals currently being gathered. In other words, 55+ doesn’t mean set in our ways. This community is continuing to evolve, add amenities, and prove that we’re not quite ready to slow down. So, if you’re looking for a spacious Florida condo with great natural light, no upstairs neighbors, two all-season patios, and the opportunity to make some spaces truly your own, I might just be the one you’ve been waiting for. And don’t worry, I’m not asking you to fix everything. Just give me a little imagination, and I’ll give you plenty of room to make yourself at home. Come see me. I have a feeling we’re going to get along.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,700
Sqft
0 ac
Lot size
1985
Year built
One
Levels
$131
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.
$2,125 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,125/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+59.1%
$/sqft vs TERRACE PARK OF FIVE TOWNS
$131 vs $152
Days on market
49 vs 66 typical
Where $131/sqft sits among the 23 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
95.9%
Sale-to-list ratio (12 mo)
15 of 23
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 23% 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 8198 TERRACE GARDEN DRIVE UNIT 511
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$348,800
8186 TERRACE GARDEN DRIVE N UNIT 101 · same community
2 bd · 2 ba · 1,765 sqft · $198/sqft · 124 DOM
Sold · Sep ’26$285,000
8186 TERRACE GARDEN DRIVE N UNIT 109 · same community
2 bd · 2 ba · 1,765 sqft · $161/sqft · 102 DOM
Sold · Feb ’26$230,000
8186 TERRACE GARDEN DRIVE N UNIT 307 · same community
2 bd · 2 ba · 1,435 sqft · $160/sqft · 16 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8198 TERRACE GARDEN DRIVE UNIT 511 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8198 TERRACE GARDEN DRIVE UNIT 511 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8198 TERRACE GARDEN DRIVE UNIT 511 FAQs
What would the monthly payment be for 8198 TERRACE GARDEN DRIVE UNIT 511?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,125/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 8198 TERRACE GARDEN DRIVE UNIT 511?+
The most recent tax bill on record (2025) was $4,112. 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 8198 TERRACE GARDEN DRIVE UNIT 511?+
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 St Petersburg?+
At $222,000, this home is listed about 48% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8198 TERRACE GARDEN DRIVE UNIT 511?+
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
01Positioned at the premium end
$222,000 runs 23% above the ST PETERSBURG 33709 median — but at 1,700 sqft it's also 29% larger than the typical St Petersburg listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $240,000, now $222,000 — a $18K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS GULF BEACHES · Sarah Morrow. MLS #TB8544904.
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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