3490 101ST TERRACE N, PINELLAS PARK, FL, 33782
Active113 days on marketListed Apr 9, 2026MLS #TB8494090
About this home
3490 101ST TERRACE N
Welcome to easy, low-maintenance living in this beautifully maintained home located in The Mainlands, a highly desirable 55+ active community. Offering 1,480 sq ft of comfortable living space, this single-family block home features 2 bedrooms, 2 bathrooms, a 1-car garage, and a versatile bonus room perfect for a den, office, or guest space. From the moment you arrive, the home’s inviting curb appeal stands out with decorative landscape curbing, recently sodded grass, an oversized driveway, and a front porch. The decorative front door with glass storm door creates a bright and welcoming entry. A convenient side walkway leads to a quaint backyard patio—ideal for relaxing outdoors. Inside, the thoughtfully upgraded eat-in kitchen features soft-close cabinets and drawers, pull-out shelving, stainless steel Whirlpool appliances (2019), track lighting, tiled backsplash, and a passthrough window to the Florida Room. The spacious Florida Room adds valuable living space and is complemented by a 5x5 walk-in utility room and 4x4 storage closet. Throughout the home, you’ll find a blend of wide-plank waterproof vinyl flooring / tile in the Kitchen & Bathrooms / Berber carpeting in the Bedrooms, vertical blinds, and ceiling fans for comfort and style. Both bathrooms are designed with comfort-height commodes and vanities. The conveniently located, spacious Bathroom addition includes a walk-in shower. Major updates provide peace of mind, including impact-rated windows, 3-Ton Rheem HVAC system (2022) with an extended warranty, and a new water heater (2025). The extended garage is equally well-equipped, featuring an Amarr impact-rated garage door (2020), Craftsman 1/2 HP garage door opener (2020), Samsung Washer and Dryer (2019), and a convenient utility sink. The affordable monthly Maintenance fee of $485 includes roof repair and replacement, lawn care, exterior painting, water/sewer/trash, reclaimed water irrigation, internet, and two digital cable boxes—providing exceptional value. Mainlands is an active 55+ community offering a clubhouse, heated in-ground pool, shuffleboard courts, and a full calendar of activities. The neighborhood surrounds an 18-hole public golf course and is adjacent to Freedom Lake Park, featuring paved walking trails around two lakes, outdoor fitness equipment, bocce courts, a playground, picnic pavilions, a dog park, and even sailboat racing. Conveniently located near shopping, dining, medical facilities, banking, and cultural and sporting venues. Pet-friendly: 2 pets, 35 lb max. This move-in ready home combines thoughtful upgrades, flexible living spaces, and quality improvements, making it the perfect place to enjoy the Florida lifestyle. Don’t wait - schedule a tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,480
Sqft
0.11 ac
Lot size
1
Garage
1973
Year built
One
Levels
$193
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 — not generic estimates.
$2,200 /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
$2,200/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
+0.5%
$/sqft vs MAINLANDS OF TAMARAC BY THE GULF UNIT 4 CONDO
$193 vs $221
Days on market
113 vs 42 typical
Where $193/sqft sits among the 6 homes for sale in MAINLANDS OF TAMARAC BY THE GULF UNIT 4 CONDO
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 Mainlands Of Tamarac By The Gulf
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Pinellas Park. See the full Pinellas Park guide →
Mainlands Of Tamarac By The Gulf — neighborhood snapshot
Population
2,997
Median age
71
Median income
$49,827
Median home value
$243,951
Avg household
2
Households w/ children
95%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Pinellas Park market
$287K → $325K
Pinellas Park median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
2 of 6
MAINLANDS OF TAMARAC BY THE GULF UNIT 4 CONDO have cut their price
Median sold price, Pinellas Park, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% below the PINELLAS PARK 33782 median. See the full Pinellas Park market guide →
Paper trail
This home's history
Reality check
What actually sold near 3490 101ST TERRACE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$320,000
9729 36TH WAY N UNIT 4 · same community
2 bd · 2 ba · 1,400 sqft · $229/sqft · 21 DOM
Sold · Apr ’26$305,000
3457 101ST TERRACE N · same community
3 bd · 2 ba · 1,562 sqft · $195/sqft · 81 DOM
Sold · Jan ’26$215,000
3662 101ST AVENUE N · same community
2 bd · 1 ba · 1,328 sqft · $162/sqft · 86 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 3490 101ST TERRACE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3490 101ST TERRACE N — 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
3490 101ST TERRACE N FAQs
What would the monthly payment be for 3490 101ST TERRACE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,200/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3490 101ST TERRACE N?+
The most recent tax bill on record (2025) was $2,845. 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 3490 101ST TERRACE N?+
The listing reports pets: 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 Pinellas Park?+
At $284,900, this home is listed about 5% below the Pinellas Park median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3490 101ST TERRACE N?+
Pinellas Central Elementary School (elementary), Pinellas Park High School (high), FitzGerald Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PINELLAS PARK 33782 market on paper
$284,900 is 5% below the PINELLAS PARK 33782 median of $299,000, and at $193/sqft it sits under the Pinellas Park average of $222.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
113 days on market against a Pinellas Park median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $289,900, now $284,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAINLANDS REAL ESTATE INC · Luisa Tolusso. MLS #TB8494090.
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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