David Ramirez
$439,0002 bd2 ba1,040 sqft$422 /sqft$3,241 /mo all-in ↓

103 1ST STREET E UNIT 115, ST PETERSBURG, FL, 33715

Active15 days on marketListed Jul 24, 2026MLS #TB8532421

WaterfrontCondominiumVILLAGE AT TIERRA VERDE CONDO

About this home

103 1ST STREET E UNIT 115

Take in beautiful Tampa Bay water sunrises from your own private balcony (or the comfort of your own bed)! Watch the dolphins swim by and your worries roll away. This condo at Village of Tierra Verde brings you the outstanding Florida resort lifestyle: 3 swimming pools with spas, the closest one less than 150 feet away. 3 tennis courts, 2 just 50 feet from your front door. Paved trails to walk around the seawall, with protected boat docks and slips on the southwest shore. A manned, 24-hour guarded gatehouse controlling entry to the community. And an outstanding community center, featuring a community dining room, library, pool table, exercise room, and full kitchen. The Village of Tierra Verde is an absolute boater's dream. Boat over to Pass A Grille in less time than it takes everyone else to get through the red light on Isla Del Sol. Easy access to Shell Key, Ft Desoto, Egmont Key, Gulfport, St Pete Beach, inshore fishing as well as chasing tarpon out at the Skyway. This condo was untouched by Hurricanes Helene and Milton. The second-floor location provides some peace of mind as well as an excellent vantage to watch the boats come and go! Featuring a wealth of flexible space, this home is spacious to accommodate most lifestyles, including working from home to those just looking for a break from the snow. The primary bedroom has sliding doors out to the spacious balcony, as well as an en suite bathroom for privacy. Second bedroom is located on the front of the condo, providing some separation and solitude. The remodelled kitchen features stone counters, with a flex office / dinette area by the entryway. While the living room has enough space for those sizable home theater needs, there is also enough space and flexibility for different-sized dining sets if that's what your Florida lifestyle requires. Covered garage parking comes with this home, plus an interior storage locker located in the garage and a storage closet on the balcony. And laundry is located inside the home! This home is perfect for someone looking to get in tune with all the best the Sunshine State has to offer. So don't delay! Book your showing for this amazing home today.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,040

Sqft

6.83 ac

Lot size

1982

Year built

One

Levels

$422

Per sqft

WaterfrontGarden & Pool & Tennis Court & Water viewPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Elevator · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Thermostat
LaundryLaundry Closet
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofBuilt-Up
ConstructionConcrete
FoundationConcrete Perimeter · Pillar/Post/Pier · Stem Wall
ViewGarden · Pool · Tennis Court · Water
FacesNorthwest
ParkingAssigned · Covered · Guest · Under Building
ExteriorBalcony · Sliding Doors · Storage · Tennis Court(s)

Community & fees

Taxes (2025)$3,627/yr
PetsYes
CommunityBay/Harbor Front · Dock · Fishing · Intracoastal Waterway · Water Access · Waterfront · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Pool · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,241 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,584
FHA mortgage insurance (est.)$194
Property tax — 2025 actual bill$302
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,365Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,365
Interest rate6.00%
Loan term

Estimated payment

$3,241/mo

Principal & interest$2,584
FHA mortgage insurance (est.)$194
Property taxes (actual bill)$302
Est. insurance$160

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.

List $439K
$402KedgeAI estimate $445,417 · range $418K$513K$533K

vs edgeAI estimate

−1.4%

$/sqft vs St Petersburg actives

$422 vs $326

Days on market

15 vs 55 typical

Where $422/sqft sits among the 400 St Petersburg actives

139
139
56 · this home
28
11
27
$137–273$273–408$408–544$544–679$679–815$815+

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 St Petersburg

Map of 103 1ST STREET E UNIT 115

Drive times from this address

Downtown Tampa37 min
Tampa Int’l Airport (TPA)37 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Petersburg. See the full St Petersburg guide →

ST PETERSBURG 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

MiddleBay Point Middle School★★★★★
ElementaryGulfport Montessori Elementary School★★★★★
HighLakewood High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$380K$410K

St Petersburg median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

219 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 69% above the ST PETERSBURG 33715 median. See the full St Petersburg market guide →

Paper trail

This home's history

Jul 24, 2026Listed at $439,000 · 15 days on market since
1982Built · VILLAGE AT TIERRA VERDE CONDO

Reality check

What actually sold near 103 1ST STREET E UNIT 115

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

103 1ST STREET E UNIT 208Sold · Oct ’25

$401,000

103 1ST STREET E UNIT 208 · same community

2 bd · 2 ba · 1,040 sqft · $386/sqft · 16 DOM

103 1ST STREET E UNIT 116Sold · Nov ’25

$345,000

103 1ST STREET E UNIT 116 · same community

2 bd · 2 ba · 1,040 sqft · $332/sqft · 19 DOM

138 1ST STREET E UNIT 302Sold · Jun ’26

$460,000

138 1ST STREET E UNIT 302 · same community

2 bd · 2 ba · 1,255 sqft · $367/sqft · 168 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 103 1ST STREET E UNIT 115 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 103 1ST STREET E UNIT 115 — before you fall in love.

See it in person

Schedule a tour

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Straight answers

103 1ST STREET E UNIT 115 FAQs

What would the monthly payment be for 103 1ST STREET E UNIT 115?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,241/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 103 1ST STREET E UNIT 115?+

The most recent tax bill on record (2025) was $3,627. 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 103 1ST STREET E UNIT 115?+

The listing reports pets: 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 St Petersburg?+

At $439,000, this home is listed about 2% above the St Petersburg median of $430,000. The market section on this page shows how the area is trending.

Which schools are assigned to 103 1ST STREET E UNIT 115?+

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.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Kyle Sasser LLC. MLS #TB8532421.

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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