3939 90TH TERRACE N, PINELLAS PARK, FL, 33782
Active2 days on marketListed Sep 18, 2026MLS #TB8549559
About this home
3939 90TH TERRACE N
Virtually Staged. Virtually Staged. Tucked away on a quiet street where only residents tend to travel, this beautifully updated home in the sought-after Mainlands 55+ community offers comfort, style, & convenience. As you approach the home, you will enjoy the pavers on the driveway. The front porch is great to sit out & enjoy your morning coffee or sip some wine at night. Inside, you’ll find elegant decorative wood flooring flowing throughout the living spaces, creating a warm and inviting atmosphere. The updated kitchen & bathrooms feature matching quartz countertops, adding a cohesive touch of sophistication throughout the home. Major improvements include hurricane windows, upgraded insulation, newer A/C, hot water heater, washer & dryer. The kitchen also offers space for a dinette table along with additional cabinetry for extra storage and functionality. A drinking water filtration system adds even more everyday convenience. A versatile bonus room provides the perfect space for a home office, hobby room, reading retreat, or additional sitting area. Another attractive feature is the absence of popcorn ceilings, adding to the home’s clean and updated appeal. Beyond the home itself, residents of Mainlands enjoy an active & social lifestyle with access to clubhouses, community pools, shuffleboard courts, & nearby golfing opportunities. Golf carts are welcome, making it easy to enjoy the neighborhood & all its amenities. Conveniently located near shopping, Walmart, hospitals, restaurants, & major highways, you’ll have easy access to downtown St. Petersburg, Tampa, & the beautiful Gulf beaches just a short drive away.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,776
Sqft
0.2 ac
Lot size
2
Garage
1980
Year built
One
Levels
$216
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.
$2,744 /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
$2,744/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
+20.7%
$/sqft vs Pinellas Park actives
$216 vs $219
Days on market
2 vs 41 typical
Where $216/sqft sits among the 213 Pinellas Park 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 Mainlands Of Tamarac By The Gulf
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Pinellas Park. See the full Pinellas Park guide →
Mainlands Of Tamarac By The Gulf — neighborhood snapshot
Population
2,997
Median age
71
Median income
$49,827
Median home value
$243,951
Avg household
2
Households w/ children
95%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Pinellas Park market
$287K → $317K
Pinellas Park median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
114 of 213
Pinellas Park actives have cut their price
Median sold price, Pinellas Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% above the PINELLAS PARK 33782 median. See the full Pinellas Park market guide →
Paper trail
This home's history
Reality check
What actually sold near 3939 90TH TERRACE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$425,000
9218 39TH LANE N · same community
3 bd · 2 ba · 1,776 sqft · $239/sqft · 40 DOM
Sold · May ’26$280,000
9128 39TH WAY N UNIT 0 · same community
2 bd · 2 ba · 1,776 sqft · $158/sqft · 173 DOM
Sold · Nov ’25$400,000
3915 90TH TERRACE N · same community
2 bd · 2 ba · 1,776 sqft · $225/sqft · 73 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
Jillian Kobylesky
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3939 90TH TERRACE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3939 90TH TERRACE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3939 90TH TERRACE N FAQs
What would the monthly payment be for 3939 90TH TERRACE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,744/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 3939 90TH TERRACE N?+
The most recent tax bill on record (2025) was $1,921. 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 3939 90TH TERRACE N?+
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 Pinellas Park?+
At $383,000, this home is listed about 30% above the Pinellas Park median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3939 90TH TERRACE N?+
Pinellas Central Elementary School (elementary), Pinellas Park High School (high), FitzGerald Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 RE CHAMPIONS · Kathryn Larkin. MLS #TB8549559.
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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