545 Pinellas Bayway S #207, Tierra Verde, FL 33715
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 3, 2026, 545 Pinellas Bayway S #207 in Tern Bay Twnhms, Tierra Verde is listed at $489,900 (2,100 sq ft, about $233 per sq ft). It has been 194 days on market. Listing facts: built in 1999, HOA dues of $700/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 1999 · 27 yrs
- 2,100 sq ft of living area
- 2-car garage
- Listed at $489,900 — recent neighborhood median sale price ~$500,000 (nearby sales; deemed reliable, not an appraisal)
- 194 days on market
- HOA $700/mo (per listing)
About this home
Virtually Staged. One of the biggest perks of this community is the comprehensive HOA, which covers a wide range of expenses including cable, internet, exterior maintenance and repairs, and even a master flood insurance policy—helping simplify ownership and provide added value. With generous living areas, three private screened outdoor spaces, a two-car tandem garage, extensive storage, newer PGT impact windows, and a community pool just steps from your back door, this home offers the comfort and versatility of a single-family residence with the convenience of townhome living.
The ground level features an oversized two-car tandem-style garage with plenty of room for cars, bikes, beach gear, kayaks, and storage. From here, step directly onto your private screened patio, complete with stairs connecting to the balcony above. Just beyond the patio is the beautifully maintained community outdoor area featuring a sparkling pool, lounge seating, gathering tables, and an outdoor shower—creating an inviting setting to relax and enjoy the Florida sunshine.
Upstairs, the main living level opens into a bright, spacious floor plan connecting the beautifully remodeled kitchen with the living and dining areas. Updated hurricane-rated windows throughout the home are complemented by electronic window coverings for added comfort and convenience. This level also features a versatile third bedroom or home office with access to its own private screened balcony.
A full bathroom serves this room while also providing convenient access from the main living area, making the layout ideal for overnight guests, a home office, or additional living space. Updated flooring completes the main level. The third floor provides exceptional privacy with two spacious bedrooms positioned in a split layout, each featuring its own beautifully updated en-suite bathroom.
The primary suite feels like a true retreat, offering direct access through sliding doors to another private screened balcony with remote-controlled shades. A hallway lined with dual walk-in closets leads to the renovated primary bath featuring dual sinks, a large soaking tub, and separate walk-in shower. Down the hall, multiple closets provide impressive additional storage along with conveniently located in-unit laundry and a utility closet.
The generously sized guest suite easily accommodates a king-size bed, desk, and additional wardrobe or dresser while also offering two large built-in closets. Its private en-suite bathroom has been updated with a beautiful walk-in shower. Additional improvements include recently replaced interior plumbing, remodeled kitchen and upper-level bathrooms, updated flooring on both living levels, hurricane impact windows, and electronic window treatments.
The building exterior is also scheduled to receive a fresh coat of paint, adding to the community's well-maintained appearance. Located on Tierra Verde along the Pinellas Bayway, this home puts some of the area's best recreation, dining, beaches, and destinations within easy reach. Spend the day exploring Fort De Soto Park and its beaches, trails, kayak launches, fishing areas, and waterfront scenery, or head toward the sugar-sand beaches of St.
Pete Beach. The restaurants and local businesses of Tierra Verde are close to home, while quick access to the Pinellas Bayway and I-275 makes it easy to reach Downtown St. Petersburg, the Sunshine Skyway Bridge, Gulf beaches, marinas, boating, golf, shopping, entertainment, and Tampa Bay area airports.
All 6 photos
Description provided by EXIT SUNCOAST REALTY and reproduced from the MLS; not independently verified.
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.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
Estimated monthly payment
- Principal & interest $2,682/mo 67%
- Taxes $429/mo 11%
- Insurance $221/mo 5%
- HOA $700/mo 17%
$4,031/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Tern Bay Twnhms market
How this home is priced against recent nearby sales, and where Tern Bay Twnhms 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
- 1999BuiltPer public record
- About Mar 2026Listed (per MLS)MLS reports 194 cumulative days on market as of October 3, 2026
- Jul 10, 2026First seen on movewithmomentum.comObserved at $495,000
- Sep 23, 2026Price cut$489,900 (-$5,100, -1.0%)
- 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.
Price & listing history
Building permits
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.
Median of these 6 sales: $500,000 ($238/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $489,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 63% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1999 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — this home carries HOA dues of $700/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- 2 active listings competing
- ≈24.0 months of supply
- 1 closed here in the last 12 months
For reference, this home is listed at $489,900 ($233/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,100 sq ft × $236–$385/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Property Score
44/100 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.
Coverage: 5 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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 24.0 months of supply in the surrounding market and 194 days on market for this home, against a 166-day area median.Days on market:this home 194Area median: 166 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 2014 through 2026. As of September 20, 2026.
🟡 Asking $233 per square foot, about in line with the community’s $238 median. Tern Bay Twnhms’s 12-month median sold price per square foot is $238. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
86% of homes in Tern Bay Twnhms are owner-occupied. An estimated 14% are non-owner-occupied, including 0% held in a company or trust and 0% 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), 7 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Tern Bay Twnhms, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXIT SUNCOAST REALTY · MLS # TB8483148
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More on TERN BAY TWNHMS
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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 TERN BAY TWNHMS guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 545 Pinellas Bayway S #207, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1999 (27 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 $700/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.
- Listed living area is 2,100 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 $5,144/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.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: October 3, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE shown above) |
| Taxes & monthly cost | 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.
Frequently asked questions
How big is 545 Pinellas Bayway S #207 and when was it built?
Per the listing record, 545 Pinellas Bayway S #207 was built in 1999 and has 2,100 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 545 Pinellas Bayway S #207 in?
545 Pinellas Bayway S #207 is in Tern Bay Twnhms in Tierra Verde, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 545 Pinellas Bayway S #207 have an HOA, and how much are the dues?
The listing reports HOA dues of $700 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 545 Pinellas Bayway S #207 differ from the current owner's?
The estimate on this page (about $5,144 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 545 Pinellas Bayway S #207 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.
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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 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.
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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.