8140 TERRACE GARDEN DRIVE UNIT 103, ST PETERSBURG, FL, 33709
Active47 days on marketListed Jul 2, 2026MLS #TB8524784
About this home
8140 TERRACE GARDEN DRIVE UNIT 103
Start living the Florida life you’ve been dreaming of! This one of a kind 1735 SF home in popular 55+ community of Five Towns delivers the space, style, and sunshine. Just 10 minutes to the beach. With one of the lowest condo fees (699.00/mo.) in the entire community, no special assessments, and hurricane shutters on every window, this condo offers major peace of mind for anybody. Love Convenience? You’ll have first-floor living, covered parking right out front, and the rare ability to use a gas grill right outside your back door. Located in the coveted Belmont building, you’ll enjoy serene water and nature views from your oversized screened lanai-your new favorite spot for morning coffee or evening breezes. Inside, this home shines * Renovated kitchen with granite counter tops, maple cabinets, gas range & stainless appliances * Large, open living/dining area perfect for hosting visitors * Freshly painted neutral tones in main living areas. Huge indoor laundry room with storage, utility sink & updated washer & dryers. Easy care laminate floors, tile in kitchen/baths & elegant crown molding. Well maintained A/C under 10 years old. The primary suite is spacious and comfortable with two walk-in closets and an updated bathroom. Guests will love the roomy 2nd bedroom and refreshed guest bathroom. Plus, a versatile bonus room gives you a space for an office, den, hobby room or extra guests. Five Towns is ideal newcomers-friendly neighbors, endless activities, multiple pools, clubhouses, fitness center, walking paths and more. The low monthly fee includes cable, internet, natural gas, water, sewer, trash and reserves and full access to amenities. A new RV/boat/vehicle storage area is ready for use. Looking for an affordable condo? This is it! Don’t miss this opportunity!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,735
Sqft
0 ac
Lot size
1982
Year built
One
Levels
$201
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.
$2,575 /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
$2,575/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.
$/sqft vs St Petersburg actives
$201 vs $344
Days on market
47 vs 58 typical
Where $201/sqft sits among the 400 St Petersburg 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 Terrace Park Of Five Towns
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
Terrace Park Of Five Towns — neighborhood snapshot
Population
1,712
Median age
71
Median income
$44,623
Median home value
$192,150
Avg household
2
Households w/ children
33%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
232 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 131% above the ST PETERSBURG 33709 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 8140 TERRACE GARDEN DRIVE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$75,000
5660 80TH STREET N UNIT A205 · same community
1 bd · 1 ba · 1,055 sqft · $71/sqft · 236 DOM
Sold · Feb ’26$427,900
8254 40TH AVENUE N
3 bd · 2 ba · 1,751 sqft · $244/sqft · 8 DOM
Sold · Jul ’26$740,000
8326 40TH PLACE N
3 bd · 2 ba · 1,814 sqft · $408/sqft · 55 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 8140 TERRACE GARDEN DRIVE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8140 TERRACE GARDEN DRIVE UNIT 103 — 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
8140 TERRACE GARDEN DRIVE UNIT 103 FAQs
What would the monthly payment be for 8140 TERRACE GARDEN DRIVE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,575/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 8140 TERRACE GARDEN DRIVE UNIT 103?+
The most recent tax bill on record (2025) was $2,431. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Petersburg?+
At $349,500, this home is listed about 20% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8140 TERRACE GARDEN DRIVE UNIT 103?+
Pinellas Park Middle School (middle), Marjorie Kinnan Rawlings Elementary (elementary), Dixie M. Hollins High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREFERRED · Melissa Yardy. MLS #TB8524784.
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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