637 PINELLAS BAYWAY UNIT 105, TIERRA VERDE, FL, 33715
Active99 days on marketListed May 1, 2026MLS #TB8503537
About this home
637 PINELLAS BAYWAY UNIT 105
Welcome to your slice of Tierra Verde paradise. This renovated 2-bedroom, 2.5-bath waterfront townhome at Palm Island delivers a rare combination — a wide-basin water view, a deeded boat slip with lift, and a thoughtfully updated interior, all just minutes from St. Pete Beach, Fort De Soto, and downtown St. Petersburg. Across the 1,650 sq. ft. three-story floor plan, travertine flooring runs throughout, vaulted ceilings with skylights crown the top floor, and an open-concept main level is anchored by a stacked-stone wood-burning fireplace with reclaimed-wood mantel. The renovated kitchen features glazed shaker cabinetry, granite counters, a stainless steel appliance suite, and a travertine subway backsplash, with track and pendant lighting over a peninsula bar that flows into the living area. The primary suite enjoys its own floor with sliding doors to a private screened balcony framing one of the widest water views in the community — boats coming and going from your back-door marina. The renovated primary bath features a frameless glass walk-in shower, travertine surround, and oil-rubbed bronze fixtures. A spacious second bedroom, additional full bath, updated half bath, and upstairs front-load laundry complete the layout. Plantation shutters appear throughout, including the signature arched windows. Below: an attached garage with direct interior access. Outside: your deeded boat slip with lift, a heated community pool, and the unmatched Tierra Verde lifestyle. The Palm Island HOA fee covers cable, water, sewer, trash, building insurance (with master flood coverage), pool, grounds, and exterior maintenance — including doors, windows, and garage doors. The building benefits of a recent new roof. Buyer approval required; one pet up to 30 lbs welcome; three-month minimum lease term. Whether you're seeking a primary residence, a winter retreat, or a turnkey boater's getaway, this is Tierra Verde living fully realized. Schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,650
Sqft
0.04 ac
Lot size
2
Garage
1991
Year built
Three Or More
Levels
$470
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.
$6,502 /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
$6,502/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
+27.6%
$/sqft vs Tierra Verde actives
$470 vs $433
Days on market
99 vs 100 typical
Where $470/sqft sits among the 61 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 → $1.0M
Tierra Verde median sold, yr/yr
94.4%
Sale-to-list ratio (12 mo)
35 of 61
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 194% 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 UNIT 105
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 UNIT 105 — 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 UNIT 105 — 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 UNIT 105 FAQs
What would the monthly payment be for 637 PINELLAS BAYWAY UNIT 105?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,502/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 UNIT 105?+
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 UNIT 105?+
The most recent tax bill on record (2025) was $8,758. 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 UNIT 105?+
The listing reports pets: Cats OK, Dogs OK, 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 $775,000, this home is listed about 12% 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 637 PINELLAS BAYWAY UNIT 105?+
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
$775,000 runs 194% above the TIERRA VERDE 33715 median.
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.
04The price has already moved
Listed at $799,000, now $775,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Tiffany McAlister. MLS #TB8503537.
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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