545 PINELLAS BAYWAY S UNIT 207, TIERRA VERDE, FL, 33715
Active151 days on marketListed Mar 7, 2026MLS #TB8483148
About this home
545 PINELLAS BAYWAY S UNIT 207
Virtually Staged. This home is offered at a buyer's advantage price! Welcome to the laid-back coastal lifestyle of Tierra Verde, one of the most sought-after waterfront communities in the Tampa Bay area. Perfectly positioned between the vibrant energy of downtown St. Petersburg and the pristine natural beauty of Fort De Soto Park, this location offers the best of both worlds. Enjoy quick access to award-winning beaches, boating, kayaking, waterfront dining, bike trails, and marinas just minutes away. Whether you’re exploring the historic Don CeSar, spending the day at St. Pete Beach, or catching a flight from St. Pete–Clearwater International Airport or Tampa International Airport, everything you need is conveniently within reach. This spacious 3-bedroom, 3-bathroom townhome offers comfortable coastal living with thoughtful updates throughout. The home features an updated kitchen, renovated bathrooms, updated flooring, HVAC new in 2018, and newer PGT hurricane impact windows, providing both style and peace of mind. The flexible floor plan allows plenty of space for entertaining guests or accommodating family and visitors. The attached garage offers tandem parking for two vehicles along with excellent storage options—perfect for beach gear, bikes, and all your Florida lifestyle essentials. One of the biggest perks of this community is the comprehensive HOA, which covers a wide range of expenses including cable, internet, exterior maintenance and repairs, and even a master flood insurance policy—helping simplify ownership and provide added value. The seller, now retired and downsizing, has strategically priced the property to sell, creating a fantastic opportunity for the next owner to step into this desirable Tierra Verde lifestyle.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,100
Sqft
0.03 ac
Lot size
2
Garage
1999
Year built
Three Or More
Levels
$236
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.
$4,297 /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
$4,297/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
−10.5%
$/sqft vs Tierra Verde actives
$236 vs $441
Days on market
151 vs 93 typical
Where $236/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)
36 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 91% 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 545 PINELLAS BAYWAY S UNIT 207
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$500,000
545 PINELLAS BAYWAY S UNIT 301 · same community
3 bd · 3 ba · 2,100 sqft · $238/sqft · 42 DOM
Sold · Apr ’26$1,160,000
842 2ND AVENUE S
4 bd · 3.5 ba · 2,103 sqft · $552/sqft · 73 DOM
Sold · Sep ’25$949,000
1110 2ND AVENUE S
3 bd · 2 ba · 2,126 sqft · $446/sqft · 27 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 545 PINELLAS BAYWAY S UNIT 207 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 545 PINELLAS BAYWAY S UNIT 207 — 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
545 PINELLAS BAYWAY S UNIT 207 FAQs
What would the monthly payment be for 545 PINELLAS BAYWAY S UNIT 207?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,297/mo — principal and interest, the actual property-tax bill, the $700/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 545 PINELLAS BAYWAY S UNIT 207?+
The association fee works out to $700 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 545 PINELLAS BAYWAY S UNIT 207?+
The most recent tax bill on record (2025) was $3,651. 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 545 PINELLAS BAYWAY S UNIT 207?+
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 $495,000, this home is listed about 44% below the Tierra Verde median of $877,000. The market section on this page shows how the area is trending.
Which schools are assigned to 545 PINELLAS BAYWAY S UNIT 207?+
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
Three things that matter here
01Positioned at the premium end
$495,000 runs 91% above the TIERRA VERDE 33715 median.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $700/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of EXIT SUNCOAST REALTY · Megan Beal LLC. MLS #TB8483148.
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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