637 PINELLAS BAYWAY S UNIT 111, ST PETERSBURG, FL, 33715
Active200 days on marketListed Jan 24, 2026MLS #TB8463347
About this home
637 PINELLAS BAYWAY S UNIT 111
PRICE REDUCTION!! Welcome to a rare opportunity to own a high-end waterfront residence in the highly sought-after island community of Tierra Verde—a true boater’s paradise offering direct access to Tampa Bay and the Gulf of Mexico, all while being waterfront and NEVER flooded. This exceptional townhome-style condo is designed for both luxury and lifestyle. The property includes a private dock with an impressive 16,000-LB boat lift, ideal for serious boaters who want quick, unobstructed access to open water. Whether you enjoy fishing, cruising, or paddleboarding, this home puts Florida’s best waterfront living right at your back door. Inside, the residence is filled with natural light and thoughtfully designed for comfort and entertaining. The updated kitchen features brand-new stainless steel appliances, while the primary bathroom was beautifully renovated in 2024, offering a spa-like retreat. Two private balconies showcase sweeping water views and are uniquely connected by a spiral staircase, creating seamless indoor-outdoor flow and an unforgettable coastal ambiance. Peace of mind comes standard with major recent upgrades, including a new roof installed just 3 months ago and a brand new 2026 AC system! The ground level features a 1-car garage, along with a bonus media room and ample storage, perfect for kayaks, paddleboards, bikes, or additional living space. Located just minutes from St. Pete Beach, Fort DeSoto, downtown St. Petersburg, and I-275, with easy access to Tampa International Airport, this home offers the perfect balance of island serenity and urban convenience. Tierra Verde also features parks, marinas, waterfront dining, trails, and endless recreational opportunities. This is more than a home—it’s a Florida waterfront lifestyle rarely available at this level. Schedule your private showing today and experience Tierra Verde living at its finest.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,650
Sqft
0.04 ac
Lot size
1
Garage
1991
Year built
Three Or More
Levels
$494
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.
$6,297 /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
$6,297/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
+35.8%
$/sqft vs St Petersburg actives
$494 vs $336
Days on market
200 vs 58 typical
Where $494/sqft sits among the 400 St Petersburg 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 St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 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 St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
224 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 215% above the ST PETERSBURG 33715 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 637 PINELLAS BAYWAY S UNIT 111
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$750,000
936 PINELLAS BAYWAY S UNIT T-5
2 bd · 2.5 ba · 1,650 sqft · $455/sqft · 209 DOM
Sold · Feb ’26$949,000
544 PINELLAS BAYWAY S UNIT F9
2 bd · 2 ba · 1,655 sqft · $573/sqft · 5 DOM
Sold · Aug ’26$445,000
751 PINELLAS BAYWAY S UNIT 303
2 bd · 2.5 ba · 1,600 sqft · $278/sqft · 6 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 637 PINELLAS BAYWAY S UNIT 111 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 637 PINELLAS BAYWAY S UNIT 111 — 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
637 PINELLAS BAYWAY S UNIT 111 FAQs
What would the monthly payment be for 637 PINELLAS BAYWAY S UNIT 111?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,297/mo — principal and interest, the actual property-tax bill, the $1,140/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 637 PINELLAS BAYWAY S UNIT 111?+
The association fee works out to $1,140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 637 PINELLAS BAYWAY S UNIT 111?+
The most recent tax bill on record (2024) was $3,523. 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 637 PINELLAS BAYWAY S UNIT 111?+
The listing reports pets: 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 St Petersburg?+
At $814,999, this home is listed about 87% above the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 637 PINELLAS BAYWAY S UNIT 111?+
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
Five things that matter here
01Positioned at the premium end
$814,999 runs 215% above the ST PETERSBURG 33715 median — but at 1,650 sqft it's also 22% larger than the typical St Petersburg listing.
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 $1,140/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
200 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $875,000, now $814,999 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN DWELLINGS · Nicholas Valeriano. MLS #TB8463347.
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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