650 PINELLAS BAYWAY S UNIT 2101, TIERRA VERDE, FL, 33715
Active14 days on marketListed Sep 15, 2026MLS #TB8546885
About this home
650 PINELLAS BAYWAY S UNIT 2101
Virtually Staged. This is truly the best of both worlds! Imagine living in a beautiful 3-bedroom, 3-bathroom waterfront condominium with a maintenance-free lifestyle and the feel of a single-family home. And there's more! This unique property also includes a 2-car garage, a single-car garage, 5 balconies, and 8 sets of sliding doors leading outside to breathtaking water views from every direction. The Villagio is a private, gated mid-rise condominium community with only 6 units per building and just two per floor. Enter the foyer via a private elevator and then step directly into a sprawling living room. This unit lives large, with an open floor plan and 9' ceilings that let the living room flow effortlessly into the dining area and kitchen. The kitchen offers expansive counter space, a cooking island with an induction cooktop and a newer exterior-vented hood, a wet bar, a farm sink, granite countertops, abundant wood cabinetry, and a newer refrigerator. The primary suite is exceptionally private, accessed through a large double-door entry. It features two walk-in closets, each with a California Closets system, tray ceilings, a private balcony, and two sets of sliding doors leading to two separate balconies. The primary bathroom includes dual vanities, granite countertops, a makeup area, a garden tub, a shower, and a water closet. Two spacious guest bedrooms each have their own balcony. The first guest room includes an en-suite bathroom with a shower, while the second offers a walk-in closet with a California Closets system. A laundry room with cabinetry, a utility sink, and a private trash chute makes everyday living a breeze. The Villagio also features a heated waterfront pool and spa, with docks available to rent from private owners. Tierra Verde is a vibrant island community with local shops, restaurants, and a marina, centrally located near the beaches and downtown St. Petersburg, offering the best of both worlds: minutes from everything, yet with the privacy of an island getaway. HVAC replaced in 2021 and all-new interior paint in September 2026.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,351
Sqft
0 ac
Lot size
3
Garage
2004
Year built
One
Levels
$606
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.
$11,973 /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
$11,973/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
−24.2%
$/sqft vs Tierra Verde actives
$606 vs $451
Days on market
14 vs 95 typical
Where $606/sqft sits among the 71 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 →
TIERRA VERDE 33715 — neighborhood snapshot
Population
7,932
Median age
62.6
Median income
$105,068
Median home value
$539,700
Avg household
1.99
Households w/ children
442
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Tierra Verde market
$986K → $1.0M
Tierra Verde median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
38 of 71
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 398% above the TIERRA VERDE 33715 median. See the full Tierra Verde market guide →
Paper trail
This home's history
Reality check
What actually sold near 650 PINELLAS BAYWAY S UNIT 2101
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$818,000
1118 2ND AVENUE S
3 bd · 3 ba · 2,336 sqft · $350/sqft · 270 DOM
Sold · Jul ’26$1,375,000
648 SANTA MARIA DRIVE
3 bd · 2.5 ba · 2,403 sqft · $572/sqft · 112 DOM
Sold · Aug ’26$490,000
1061 PINELLAS BAYWAY S
3 bd · 3.5 ba · 2,236 sqft · $219/sqft · 133 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 650 PINELLAS BAYWAY S UNIT 2101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 650 PINELLAS BAYWAY S UNIT 2101 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
650 PINELLAS BAYWAY S UNIT 2101 FAQs
What would the monthly payment be for 650 PINELLAS BAYWAY S UNIT 2101?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,973/mo — principal and interest, the actual property-tax bill, the $1,792/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 650 PINELLAS BAYWAY S UNIT 2101?+
The association fee works out to $1,792 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 650 PINELLAS BAYWAY S UNIT 2101?+
The most recent tax bill on record (2025) was $21,569. 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 BAYWAY S UNIT 2101?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $1,425,000, this home is listed about 56% above the Tierra Verde median of $914,000. The market section on this page shows how the area is trending.
Which schools are assigned to 650 PINELLAS BAYWAY S UNIT 2101?+
Bay Point Middle School (middle), Gulfport Montessori Elementary School (elementary), 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
01Positioned at the premium end
$1,425,000 runs 398% above the TIERRA VERDE 33715 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 $1,792/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 MICHAEL SAUNDERS & COMPANY · Lauren Krawczyk. MLS #TB8546885.
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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