903 PINELLAS BAYWAY S UNIT 302, TIERRA VERDE, FL, 33715
Active314 days on marketListed Sep 25, 2025MLS #TB8431555
About this home
903 PINELLAS BAYWAY S UNIT 302
MAJOR PRICE REDUCTION. THE BEST-VALUED, MOVE-IN READY HOME IN TIERRA VERDE. Exceptional value for a private townhome in one of Tampa Bay’s most desirable waterfront communities. LIMITED-TIME JUNE INCENTIVE. Qualified buyers may receive a FREE one-year interest rate buydown through preferred lending partners, creating an outstanding opportunity. Welcome to Villa Del Mar, a community known for its solid block construction, quiet atmosphere, and exceptional island lifestyle. With HOA coverage that includes building insurance, ultra high-speed internet, cable, water, sewer, trash, and resort-style amenities, this is low-maintenance living at its finest. This well-appointed 3-bedroom, 2.5-bath townhome with a one-car garage offers both comfort and privacy, beginning with a private entryway that creates a peaceful sense of arrival. The main living area opens to a screened patio with electric storm shutters and additional storage, providing a relaxing outdoor setting with direct access to the heated pool and spa. Inside, the home features tile flooring throughout the main living areas, newer carpet and engineered hardwood upstairs, and plantation shutters throughout. The kitchen is thoughtfully designed with granite countertops, newer stainless steel appliances, a welcoming eat-in area, and a spacious double pantry. Upstairs, the primary suite offers a true retreat with dual sinks, a jetted soaking tub, glass-enclosed shower, and dual closets including a walk-in with custom built-ins. Additional highlights include a separate laundry room and newer air conditioning system for added comfort and efficiency. Recent community improvements further enhance Villa Del Mar, including a brand-new waterfront dock, and all new professional landscaping. Residents also enjoy a heated pool and spa, BBQ area, and beautifully maintained grounds reflecting pride of ownership throughout the community. Located just minutes from Fort De Soto Park, Pass-a-Grille, and St. Pete Beach, this exceptional Tierra Verde location offers easy access to beaches, marinas, waterfront dining, and live music while maintaining the privacy and tranquility island buyers are searching for. Opportunities combining quality construction, extensive HOA benefits, recent community enhancements, and move-in-ready condition at this price point are rare in Tierra Verde. Review the 3D tour and video, explore the full features list, and schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,820
Sqft
0.04 ac
Lot size
1
Garage
1989
Year built
Two
Levels
$247
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.
$4,503 /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
$4,503/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
−39.4%
$/sqft vs Tierra Verde actives
$247 vs $441
Days on market
314 vs 99 typical
Where $247/sqft sits among the 60 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 → $995K
Tierra Verde median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
35 of 60
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 69% 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 903 PINELLAS BAYWAY S UNIT 302
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$925,000
903 PINELLAS BAYWAY S UNIT 104 · same community
2 bd · 2.5 ba · 1,750 sqft · $529/sqft · 47 DOM
Sold · Aug ’25$986,000
903 PINELLAS BAYWAY S UNIT 103 · same community
3 bd · 2.5 ba · 1,950 sqft · $506/sqft · 57 DOM
Sold · Sep ’25$845,000
903 PINELLAS BAYWAY S UNIT 102 · same community
3 bd · 2.5 ba · 1,950 sqft · $433/sqft · 158 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 903 PINELLAS BAYWAY S UNIT 302 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 903 PINELLAS BAYWAY S UNIT 302 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
903 PINELLAS BAYWAY S UNIT 302 FAQs
What would the monthly payment be for 903 PINELLAS BAYWAY S UNIT 302?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,503/mo — principal and interest, the actual property-tax bill, the $1,200/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 903 PINELLAS BAYWAY S UNIT 302?+
The association fee works out to $1,200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 903 PINELLAS BAYWAY S UNIT 302?+
The most recent tax bill on record (2024) was $3,617. 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 903 PINELLAS BAYWAY S UNIT 302?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size 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 $449,000, this home is listed about 49% below the Tierra Verde median of $875,000. The market section on this page shows how the area is trending.
Which schools are assigned to 903 PINELLAS BAYWAY S UNIT 302?+
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
Four things that matter here
01Positioned at the premium end
$449,000 runs 69% above the TIERRA VERDE 33715 median.
02Know the monthly fee
The association fee is $1,200/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
314 days on market against a Tierra Verde median of 99 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $549,000, now $449,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS · Amber Stodart. MLS #TB8431555.
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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