8174 TERRACE GARDEN DRIVE N UNIT 507, ST PETERSBURG, FL, 33709
Active14 days on marketListed Sep 8, 2026MLS #TB8546344
About this home
8174 TERRACE GARDEN DRIVE N UNIT 507
Virtually Staged. What an amazing opportunity to own a beautiful and affordable piece of St. Petersburg! Imagine starting your morning with coffee on your private screened balcony, listening to the birds and enjoying peaceful pond views—or spending a quiet afternoon relaxing with a good book. This spacious, beautifully updated and well-maintained 2-bedroom, 2-bath condo is located on the 5th floor of the desirable Tiffany Building in Terrace Park at Five Towns, an active 55+ resort-style community. This condo truly stands out! Move-in ready and filled with natural light, it features hurricane-impact windows and sliders, brand-new luxury vinyl flooring, and a comfortable, functional floor plan. The spacious layout includes a living room, dining area, kitchen with eat-in space, generous closet and storage space, and a large utility room with a full-size washer and dryer. Step outside to the screened balcony and enjoy the tranquil pond view—your own peaceful retreat. The Tiffany Building offers a secure lobby, elevator access, and an assigned covered carport space. Beautifully maintained grounds welcome you from the moment you enter the community. Terrace Park at Five Towns offers an impressive array of amenities, including 6 swimming pools, 2 clubhouses, a fitness center, pickleball courts, tennis courts, shuffleboard, bocce ball, and an active calendar of clubs, activities and community events. And the location is hard to beat! Shopping, grocery stores, restaurants, everyday conveniences and St. Petersburg's beautiful Gulf beaches are all just minutes away. Enjoy an active Florida lifestyle while still having a peaceful place to call your own. Perfect as a year-round residence or your Florida second home. Move in and start enjoying it from day one! NO PETS. ONE ASSIGNED PARKING SPACE. Call for your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,235
Sqft
0 ac
Lot size
1985
Year built
One
Levels
$134
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.
$2,152 /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
$2,152/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
+1.8%
$/sqft vs TERRACE PARK OF FIVE TOWNS
$134 vs $167
Days on market
14 vs 57 typical
Where $134/sqft sits among the 20 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)
11 of 20
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 9% 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 507
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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8174 TERRACE GARDEN DRIVE N UNIT 507 — 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 507 — 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
8174 TERRACE GARDEN DRIVE N UNIT 507 FAQs
What would the monthly payment be for 8174 TERRACE GARDEN DRIVE N UNIT 507?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,152/mo — principal and interest, the actual property-tax bill, the $889/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 8174 TERRACE GARDEN DRIVE N UNIT 507?+
The association fee works out to $889 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8174 TERRACE GARDEN DRIVE N UNIT 507?+
The most recent tax bill on record (2025) was $699. 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 507?+
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 $165,000, this home is listed about 62% 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 507?+
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
$165,000 is 9% below the ST PETERSBURG 33709 median of $181,332, and at $134/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.
03Know the monthly fee
The association fee is $889/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Victoria Bucinskaite. MLS #TB8546344.
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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