7809 38TH TERRACE N, ST PETERSBURG, FL, 33709
Active0 days on marketListed Sep 29, 2026MLS #TB8552680
About this home
7809 38TH TERRACE N
Come discover this updated 55+ hidden treasure known as Tyrone Villas. This affordable one-story condo styled as a private villa has just been painted inside, new luxury vinyl plank flooring and all new kitchen cabinets and Whirlpool stainless steel appliances. These villas have no shared-walls living with an attached covered carport for shaded parking year-round. Inside, discover a light-filled living room, eat-in kitchen, primary bedroom and bathroom with a versatile bonus room—perfect for a home office, den, or guest space—that adds unlisted Heated square footage. Updated in 2018 with a new roof (maintained by the association), windows, and sliding glass door. Just steps from a heated swimming pool, clubhouse with library and exercise equipment, and shuffleboard courts. Ideally located in the prime Tyrone area—minutes from restaurants, Tyrone Mall, banks, Bay Pines VA Hospital, and world-famous Gulf beaches, plus the scenic Pinellas Trail and vibrant downtown St. Petersburg. With no flooding or damage from the 2024 hurricanes, a pet-free and non-leasing community, and an affordable monthly fee covering water, sewer, trash, roof and exterior maintenance—plus an included washer/dryer—this villa is your quiet Florida forever home. Schedule your showing today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
630
Sqft
0 ac
Lot size
1967
Year built
One
Levels
$186
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.
$944 /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
$944/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
+12.5%
Days on market
0 vs 51 typical
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 Tyrone Villas
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Tyrone Villas — neighborhood snapshot
Population
116
Median age
52
Median income
$57,083
Median home value
$149,800
Avg household
3
Households w/ children
15%
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)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the ST PETERSBURG 33709 median. See the full St Petersburg market guide →
Paper trail
This home's history
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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7809 38TH TERRACE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7809 38TH TERRACE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7809 38TH TERRACE N FAQs
What would the monthly payment be for 7809 38TH TERRACE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $944/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 7809 38TH TERRACE N?+
The most recent tax bill on record (2025) was $504. 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 7809 38TH TERRACE N?+
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 $117,300, this home is listed about 72% below the St Petersburg median of $415,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7809 38TH TERRACE N?+
Seventy-Fourth St. Elementary (elementary), Azalea Middle School (middle), Dixie M. Hollins High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of APONE REALTY · Phyllis Apone, PA. MLS #TB8552680.
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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