Front elevation390 Pinellas Bayway #F, Tierra Verde, FL 33715
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 26, 2026, 390 Pinellas Bayway #F in Pine Key Lodge, Tierra Verde is listed at $850,000 (1,660 sq ft, about $512 per sq ft). That sits within a few percent of Pine Key Lodge's median closed sale of $815,000 over the last 12 months (1 recorded sales). It came to market within the past week. Listing facts: built in 1980, waterfront. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1980 · 46 yrs
- 1,660 sq ft of living area
- 1-car garage
- Listed at $850,000 — recent neighborhood median sale price ~$815,000 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA ~$50/mo (estimate; confirm)
Pricing & the Pine Key Lodge market
How this home is priced against recent nearby sales, and where Pine Key Lodge 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.
This home’s history
- 1980BuiltPer public record
- Sep 26, 2026First trackedObserved at $850,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $4,538/mo 78%
- Taxes $744/mo 13%
- Insurance $461/mo 8%
- HOA $50/mo 1%
$5,793/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
45/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $512 per square foot, about 4% above the community’s $490 median. Pine Key Lodge’s 12-month median sold price per square foot is $490. Confidence: Low · 1 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.
63% of homes in Pine Key Lodge are owner-occupied. An estimated 37% are non-owner-occupied, including 18% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 68 homes matched. Community-level context.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Welcome to the waterfront island life you’ve been dreaming about. Perfectly set along Tierra Verde’s most coveted waterway, the Grand Canal, this 3-bedroom, 2-bathroom waterfront townhome with an attached garage delivers the ultimate coastal lifestyle. A true boater’s paradise, your deeded boat slip with 10,000 lb.
lift sits just steps from your door, making spontaneous sunset cruises part of everyday life. From the moment you walk in, the water steals the show. Sparkling intracoastal views welcome you inside creating a seamless connection to life on the Grand Canal.
The chef’s kitchen blends beauty and function with granite countertops, tile backsplash, stainless steel appliances, soft-close cabinetry, and a pantry, all overlooking the water so you can watch boats glide by while preparing meals. The open living and dining area is made for coastal living, capturing sunsets and opening through triple sliders to a spacious covered balcony. This balcony also features a spiral staircase leading down to the ground-floor patio, creating an effortless indoor-outdoor flow for entertaining, grilling, or simply enjoying the island life.
The primary bedroom is your private retreat with sweeping grand canal views, soaring cathedral ceilings, and an additional split unit for cool nights. The spa-inspired bath features dual sinks, a large walk-in shower, and a separate water closet. The second bedroom has soaring ceilings with a skylight and its own private balcony.
Above it sits a loft which provides flexible space ideal for a home office, kids area, or additional guest sleeping. The third bedroom sits on the main living level close to the kitchen with a full bath just around the corner, perfect for guests. The lower level includes a versatile, air-conditioned bonus room which is not included in the square footage.
It is ideal for entertaining with sliders that open to a spacious tiled patio where you can grill, watch sunsets, or walk out to the community pool. The entire home has new hurricane rated windows and sliding doors. The building was completely repainted in 2021, and the roof and skylights were replaced in 2021.
This townhouse was exempt from both the Milestone and Reserve studies. The HOA fee is hundreds of dollars below neighboring associations. Enjoy protected, deep water and the rare convenience of seeing your boat from your home.
The Grand Canal leads you out to Shell Island and the Gulf in just minutes making every day feel like a vacation. This dog-friendly community offers a waterfront pool and an unbeatable location. Mornings begin with bike rides to Fort De Soto, afternoons drift by on calm waters and sandy beaches, and by evening, downtown St Petersburg is just 15 minutes away.
This is saltwater living at its best. Schedule a showing today!
Description provided by KELLER WILLIAMS ST PETE REALTY and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided 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.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $850,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1980 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- 1 active listing competing
- 1 closed here in the last 12 months
For reference, this home is listed at $850,000 ($512/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,660 sq ft × $431–$549/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 26, 2026.
Similar homes for sale near PINE KEY LODGE
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.
Newest listings in TIERRA VERDE
- 455 Pinellas Bayway #3A, TIERRA VERDE · $2,595,000 · 4 bd / 3.5 ba · listed September 24, 2026 (courtesy of REALTY EXPERTS)
- 1100 Pinellas Bayway #I4, TIERRA VERDE · $1,450,000 · 3 bd / 3.0 ba · listed September 24, 2026 (courtesy of COMPASS FLORIDA LLC)
- 206 6th Street, TIERRA VERDE · $7,200,000 · 5 bd / 5.5 ba · listed September 21, 2026 (courtesy of 1 PALM REALTY)
- 205 6th Street, TIERRA VERDE · $3,750,000 · 3 bd / 3.0 ba · listed September 19, 2026 (courtesy of COLDWELL BANKER REALTY)
- 650 Pinellas Bayway #2101, TIERRA VERDE · $1,425,000 · 3 bd / 3.0 ba · listed September 15, 2026 (courtesy of MICHAEL SAUNDERS & COMPANY)
- 751 Pinellas Bayway #208, TIERRA VERDE · $389,900 · 2 bd / 2.5 ba · listed September 10, 2026 (courtesy of LPT REALTY, LLC)
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by KELLER WILLIAMS ST PETE REALTY · MLS # TB8550861
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Recent sales activity in PINE KEY LODGE
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the PINE KEY LODGE neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on PINE KEY LODGE
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.
Assigned schools
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.
See schools in the PINE KEY LODGE guide → · Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $490/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 390 Pinellas Bayway #F, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1980 (46 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 1,660 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 $8,925/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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.
Frequently asked questions
How big is 390 Pinellas Bayway #F and when was it built?
Per the listing record, 390 Pinellas Bayway #F was built in 1980 and has 1,660 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 390 Pinellas Bayway #F in?
390 Pinellas Bayway #F is in Pine Key Lodge in Tierra Verde, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Pine Key Lodge from the same MLS data.
Why might property taxes on 390 Pinellas Bayway #F differ from the current owner's?
The estimate on this page (about $8,925 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 390 Pinellas Bayway #F in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
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.
See 390 PINELLAS BAYWAY #F in person
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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 a typical county millage rate to the list price 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.
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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.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.