Townhouse in PIRATES COVE CLUB CONDO, TIERRA VERDE · No CDD on record
PIRATES COVE CLUB CONDO · Tierra Verde, FL 33715 · Pinellas County
Listing data updated October 16, 2026 at 8:21 AM ET · checked against the MLS hourly
Listed by CENTURY 21 COASTAL ALLIANCE (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2.5Bathrooms
1,989Sq Ft
1981Year Built
$327Per Sq Ft
WaterfrontPrivate pool1-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
10% below
$/sq ft vs community
$327 here vs $364 median sold (12 mo)
Buyer leverage
Strong buyer advantage
37 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 12
Price vs recent sales
Asking $650k tops 4 of the last 12 closed sales; also one of the largest homes here at 1,989 sq ft
As of October 16, 2026, 1375 Pinellas Bayway #30 in Pirates Cove Club Condo, Tierra Verde is listed at $650,000 (1,989 sq ft, about $327 per sq ft). That sits within a few percent of Pirates Cove Club Condo's median closed sale of $640,000 over the last 12 months (3 recorded sales). Per square foot it is below the community's recent $364/sq ft by about 10%. It has been 37 days on market, longer than the community's typical 15 days to contract. Listing facts: built in 1981, a private pool, waterfront, HOA dues of $950/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1981 · 45 yrs
1,989 sq ft of living area
1-car garage
Listed at $650,000 — recent neighborhood median sale price ~$640,000 (nearby sales; deemed reliable, not an appraisal)
37 days on market
HOA $950/mo (per listing)
Listing description
About this home
Under contract-accepting backup offers. Three level Townhouse with a deeded boat slip. This Townhome has 3 bedrooms, 2.5 baths, and Bonus Room on the ground floor.
It did not sustain any storm damage or water intrusion from recent hurricanes. The building is solid concrete with vinyl siding, and metal roof. The view is over the back yard pool, and bay.
This is the builders own private residence, and owner has added more to the loft, and a Bonus Room on the ground floor, thus adding additional square footage to total 1,989 sq ft of heated area. There are two assigned parking spaces. Reinforced concrete structure on pilings.
The windows are storm rated. New appliances in the kitchen. Pirates Cove is a sought after location.
Description provided by CENTURY 21 COASTAL ALLIANCE and reproduced from the MLS; not independently verified.
Listing courtesy of CENTURY 21 COASTAL ALLIANCE · Listing agent: Randall Ierna · 727-867-8633Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$650,000
Bed / bath3 / 2.5
Living area1,989 sq ft
Year built1981
Property typeTownhouse
Garage1-car
PoolYes
MLS #TB8519435
Listing status37 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~6 ft
CountyPinellas
Area listings2 active · 1 under contract
Estimated first-year tax~$6,825/yr
CDD assessmentNone on record
HOA$950/mo
Calculated estimates
Price per sq ft$327
Estimated monthly payment$5,472
Insurance (illustrative)$3k–$6k/yr
Messtimate range$469,404 – $966,654
Comparable-sales median$640,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$5,472/mo
Principal & interest $3,600/mo66%
Taxes $569/mo10%
Insurance $353/mo6%
HOA $950/mo17%
$5,472/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
What it really costs to own 1375 Pinellas Bayway #30
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
HOA dues
$950/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 1981. An original roof would be about 45 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$6,825/yr
Estimate: a typical Pinellas effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$3k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$950/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~6 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Pinellas County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Pinellas County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveVery High
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Pirates Cove Club Condo
Pricing & the Pirates Cove Club Condo market
How this home is priced against recent nearby sales, and where Pirates Cove Club Condo has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2016–2026. This home lists at $327/sq ft.
Median sale price by year
12-month median closed price, 2016–2026.
Property timeline
This home’s history
1981BuiltPer public record
Jul 10, 2026First seen on movewithmomentum.comObserved at $650,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $650,000Momentum Realty · on market 37 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Oct 2025
$475,000
1101 PINELLAS BAYWAY #405, TIERRA VERDE
2 / 2.5 bd/ba · 2,014 sq ft · $236/sq ft
Courtesy of RE/MAX ACTION FIRST OF FLORIDA · View details →
Sold Oct 2025
$725,000
5625 ESCONDIDA BOULEVARD, ST PETERSBURG
3 / 2.5 bd/ba · 1,915 sq ft · $379/sq ft
Courtesy of KELLER WILLIAMS ST PETE REALTY · View details →
Sold Mar 2026
$925,000
380 PINELLAS BAYWAY S. #E, TIERRA VERDE
4 / 3 bd/ba · 1,905 sq ft · $486/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Dec 2025
$1,765,000
330 8TH AVENUE #5, TIERRA VERDE
3 / 3 bd/ba · 2,098 sq ft · $841/sq ft
Courtesy of RE/MAX ALLIANCE GROUP · View details →
Sold Apr 2026
$500,000
545 PINELLAS BAYWAY #301, ST PETERSBURG
3 / 3 bd/ba · 2,100 sq ft · $238/sq ft
Courtesy of COASTAL PROPERTIES GROUP · View details →
Sold Aug 2026
$400,000
521 PINELLAS BAYWAY #202, ST PETERSBURG
3 / 3 bd/ba · 2,140 sq ft · $187/sq ft
Courtesy of CENTURY 21 BEGGINS ENTERPRISES · View details →
Median of these 6 sales: $640,000 ($364/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$519,300the mess$778,900
Directional estimate — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,980 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-16.
Actual list price: $650,000 ($327/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & updates — a 1981 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot — this listing is waterfront; water frontage is priced far off nearby averages.
The pool — a private pool carries cost and value the model only sees through the comps.
Carrying costs & concessions — this home carries HOA dues of $950/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
This home: 37 days on market vs. a 15-day community median
1 active listing competing, 2 under contract
≈12.0 months of supply
2 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 16, 2026.
Momentum Scores
Momentum Property Score
53/100
Strongest on: Pricing power (81), Price vs area (75)
0 limited50100 exceptional
53/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area75
This home $327/sq ft vs the community 12-month median $364/sq ft.
Affordability47
List price $650,000 vs the community median $640,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost20
From FEMA Zone AE and a 1981 build. Obtain a property-specific quote.
Market liquidity49
Community median 15 days on market, ~12.0 months of supply (12-month record).
Pricing power81
Recent sales closed at about 91.8% of original asking (~8.2% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 37 days on market for this home, against a 15-day area median.Days on market:this home 37Area median: 15 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2011 through 2026. As of September 20, 2026.
🟡 Asking $327 per square foot, about 10% below the community’s $364 median. Pirates Cove Club Condo’s 12-month median sold price per square foot is $364. Median sold price per square foot is up 6.7% year over year. Confidence: Low · 3 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Pirates Cove Club Condo sales closed near 91.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Pirates Cove Club Condo, no CDD assessment.
Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CENTURY 21 COASTAL ALLIANCE · MLS # TB8519435
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Keep looking
Similar homes for sale near PIRATES COVE CLUB CONDO
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Civic
Manatee County approves one-year moratorium on new data center projects
Manatee County commissioners unanimously approved a one-year pause on accepting, processing and approving new data center projects. The county wants time to study energy, water and infrastructure effects and write rules. Commissioners said no data center projects are currently planned in the county, and the move follows North Port's 18-month moratorium.
Why it matters: The pause limits large-load industrial development in Manatee while rules are written, which bears on utility capacity and land use planning. The site is about 14 miles southeast of Pirates Cove Club Condo.
Florida's new state budget funds five major Manatee County projects
The 2026 state budget signed by Gov. Ron DeSantis directs 12.4 million dollars to five Manatee County projects, including the Singletary Road Bridge replacement, a 51st Street West extension in Bradenton, and design work for a Fort Hamer Road and I-75 interchange. The list also funds Fresh Start Manatee Phase 2 and the Valor Commons veterans hub.
Why it matters: State funding for road, bridge and interchange work expands transportation infrastructure and supports future growth capacity across Manatee County. The site is about 13 miles southeast of Pirates Cove Club Condo.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Pinellas County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 1375 Pinellas Bayway #30, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1981 (45 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $950/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,989 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,825/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 16, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 1375 Pinellas Bayway #30 and when was it built?
Per the listing record, 1375 Pinellas Bayway #30 was built in 1981 and has 1,989 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1375 Pinellas Bayway #30 in?
1375 Pinellas Bayway #30 is in Pirates Cove Club Condo in Tierra Verde, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1375 Pinellas Bayway #30 have an HOA, and how much are the dues?
The listing reports HOA dues of $950 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 1375 Pinellas Bayway #30 differ from the current owner's?
The estimate on this page (about $6,825 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1375 Pinellas Bayway #30 in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 1375 PINELLAS BAYWAY #30 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
