840 3RD AVENUE S, TIERRA VERDE, FL, 33715
Active169 days on marketListed Feb 14, 2026MLS #TB8476203
About this home
840 3RD AVENUE S
Experience the effortless coastal lifestyle in this exceptional Tierra Verde residence, located in one of Florida’s premier boating communities on the West Coast. From the moment you arrive via the pavered driveway and welcoming covered front porch, it’s clear this home was thoughtfully designed for both relaxed everyday living and memorable entertaining. The spacious kitchen is the heart of the home, featuring high-end appliances, generous counter space, and an expansive granite-topped bar that invites guests to gather before enjoying meals in the adjacent dining room. Just beyond, a dedicated 20x20 home theater delivers the ultimate movie-night or game-day experience, complete with a cozy bar area and a 92-inch projection screen. Downstairs, more than 2,300 square feet of air-conditioned bonus space offers endless possibilities for recreation and relaxation, whether hosting billiards or ping pong, unwinding in the sauna, or creating a personalized fitness or hobby area. The primary suite is a true retreat, offering a spa-inspired soaking tub and a generously sized walk-in closet. Outdoors, the property transforms into a private resort with retractable awnings, elegant travertine pavers, and manicured turf creating an ideal setting for entertaining or quiet evenings by the water. The pool features swim jets perfect for exercise or paddle training, along with a bubbler and waterfall that flow seamlessly into the six-person spa. Boaters will appreciate the newer 16,000-pound boat lift and dual wave runner lift with remotes installed in November 2021, while a whole-house propane Generac generator provides peace of mind year-round. Additional highlights include a newer roof installed September 2021, gas stove and dryer, and thoughtful upgrades throughout. Located just minutes from the nation’s top-rated beaches and the vibrant culture, dining, and waterfront lifestyle of downtown St. Petersburg, this Tierra Verde home offers the perfect blend of luxury, comfort, and island living.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,909
Sqft
0.23 ac
Lot size
2
Garage
1984
Year built
One
Levels
$825
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.
$16,921 /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
$16,921/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
+37.1%
$/sqft vs Tierra Verde actives
$825 vs $441
Days on market
169 vs 66 typical
Where $825/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
$628K → $1.1M
Tierra Verde median sold, yr/yr
94.3%
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 797% 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 840 3RD AVENUE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$2,000,000
100 SANDS POINT ROAD UNIT 114 · same community
3 bd · 3 ba · 2,094 sqft · $955/sqft · 28 DOM
Sold · Apr ’26$1,050,000
100 SANDS POINT ROAD UNIT 223 · same community
3 bd · 2 ba · 1,941 sqft · $541/sqft · 64 DOM
Sold · May ’26$850,000
100 SANDS POINT ROAD UNIT 108 · same community
2 bd · 2 ba · 1,492 sqft · $570/sqft · 3 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 840 3RD AVENUE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 840 3RD AVENUE S — 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
840 3RD AVENUE S FAQs
What would the monthly payment be for 840 3RD AVENUE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,921/mo — principal and interest, the actual property-tax bill, the $15/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 840 3RD AVENUE S?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 840 3RD AVENUE S?+
The most recent tax bill on record (2025) was $34,817. 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 840 3RD AVENUE S?+
The listing reports pets: 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 $2,399,000, this home is listed about 189% above the Tierra Verde median of $830,000. The market section on this page shows how the area is trending.
Which schools are assigned to 840 3RD AVENUE S?+
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
$2,399,000 runs 797% above the TIERRA VERDE 33715 median — but at 2,909 sqft it's also 48% larger than the typical Tierra Verde listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
169 days on market against a Tierra Verde median of 66 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,499,999, now $2,399,000 — a $101K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Matt Meo. MLS #TB8476203.
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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