637 PINELLAS BAYWAY UNIT 105, TIERRA VERDE, FL, 33715
Active52 days on marketListed Jun 11, 2026MLS #TB8517475
About this home
637 PINELLAS BAYWAY UNIT 105
Waterfront living awaits in the highly desirable Palm Island community of Tierra Verde. This beautifully updated 2-bedroom, 2.5-bath townhome offers approximately 1,650 square feet of living space, a deeded boat slip with lift, and stunning wide-water views. The open-concept floor plan features travertine flooring, vaulted ceilings, a wood-burning fireplace, and an updated kitchen with granite countertops, shaker cabinetry, and stainless steel appliances. The primary suite occupies its own private level with a screened waterfront balcony, expansive water views, and a renovated ensuite bath. Additional features include a spacious guest bedroom, attached garage, in-unit laundry, plantation shutters, and multiple outdoor spaces to enjoy the waterfront setting. Residents enjoy access to a heated community pool and are just minutes from St. Pete Beach, Fort De Soto, marinas, restaurants, and downtown St. Petersburg. Rent includes water, sewer, trash, grounds maintenance, pool maintenance, and exterior maintenance. One pet may be considered with owner approval. Available for lease in one of Tierra Verde's most sought-after waterfront communities. 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
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$188 /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
$188/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Tierra Verde actives
$2 vs $441
Days on market
52 vs 66 typical
Where $2/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
$628K → $1.1M
Tierra Verde median sold, yr/yr
94.3%
Sale-to-list ratio (12 mo)
36 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 99% below 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 · Jun ’26$435,000
375 MADEIRA CIRCLE
3 bd · 3 ba · 1,585 sqft · $274/sqft · 235 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 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $188/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 637 PINELLAS BAYWAY UNIT 105?+
The listing reports pets: Cats OK, Dogs OK, Pet Deposit, 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 $3,900, this home is listed about 100% below the Tierra Verde median of $830,000. 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
Three things that matter here
01Under the TIERRA VERDE 33715 market on paper
$3,900 is 99% below the TIERRA VERDE 33715 median of $267,500, and at $2/sqft it sits under the Tierra Verde average of $523.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $4,000, now $3,900 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Tiffany McAlister. MLS #TB8517475.
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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