637 PINELLAS BAYWAY S UNIT 301, TIERRA VERDE, FL, 33715
Active128 days on marketListed Mar 30, 2026MLS #TB8490902
About this home
637 PINELLAS BAYWAY S UNIT 301
Welcome to Palm Island in Tierra Verde—where island living meets comfort and style. This move-in ready corner 2BR/2.5BA townhome with a 2-car garage is one of the most desirable layouts in the community, offering added privacy, extra windows, and beautiful natural light throughout. Step inside to light tile flooring that leads to the main living level with an open-concept living, dining, and kitchen layout. The corner unit design creates a bright, airy feel, enhanced by additional windows and skylights. Enjoy a wood-burning fireplace and a private balcony overlooking the community pool—perfectly positioned for both views and privacy thanks to its corner location. The kitchen features white cabinetry, warm-toned granite countertops, and a mosaic tile backsplash that adds texture and subtle elegance. A convenient powder room completes the main level. Upstairs, the spacious primary suite features high ceilings, double closets, a large enclosed private balcony, and an ensuite bath with soaking tub and walk-in shower. The guest bedroom on the opposite side also offers high ceilings and its own full bath. A hallway laundry closet includes a full-size side-by-side washer and dryer. Furniture is optional for an easy, seamless move. Additional highlights include a generously sized 2-car garage with extra storage and rear access for easy entry to the heated community pool. Located in a pet-friendly waterfront community, just moments from walking and biking trails, as well as Tierra Verde’s restaurants and everyday conveniences. New Roof. Only 10 mins to downtown St Petersburg, and 40 mins to Tampa International Airport.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,650
Sqft
0.03 ac
Lot size
2
Garage
1992
Year built
Three Or More
Levels
$242
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.
$4,353 /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
$4,353/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
−33.1%
$/sqft vs Tierra Verde actives
$242 vs $452
Days on market
128 vs 93 typical
Where $242/sqft sits among the 62 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 62
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 52% 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 637 PINELLAS BAYWAY S UNIT 301
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 · Oct ’25$825,000
1375 PINELLAS BAYWAY S UNIT 40
2 bd · 2 ba · 1,555 sqft · $531/sqft · 0 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 301 — 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 301 — 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 301 FAQs
What would the monthly payment be for 637 PINELLAS BAYWAY S UNIT 301?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,353/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 301?+
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 301?+
The most recent tax bill on record (2025) was $6,336. 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 301?+
The listing reports pets: Size Limit. 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 $399,000, this home is listed about 54% 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 637 PINELLAS BAYWAY S UNIT 301?+
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
$399,000 runs 52% above the TIERRA VERDE 33715 median.
02Know 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.
03The price has already moved
Listed at $449,000, now $399,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP · Blanka Prusova White. MLS #TB8490902.
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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