8198 Terrace Garden Drive #511, St Petersburg, FL 33709
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
8198 Terrace Garden Drive #511 in Terrace Park Of Five Towns, St Petersburg is listed at $222,000 (1,700 sq ft, about $131 per sq ft). It has been listed Sep 6, 2026. Listing facts: built in 1985. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1985 · 41 yrs
- 1,700 sq ft of living area
- Listed at $222,000 — recent neighborhood median sale price ~$197,750 (nearby sales; deemed reliable, not an appraisal)
- listed Sep 6, 2026
About this home
* Meet Your Next Florida Home. Comfortable, Spacious & Full of Possibility! Hi there!
I’m a 1,700-square-foot, top-floor end-unit condo in the Radcliffe building at Terrace Park of Five Towns, and I think we should get to know each other. For starters, I’m a 2-bedroom, 2-bathroom 55+ condo with plenty of room to spread out, entertain, relax, or simply enjoy having a little more elbow room. I’m on the top floor, so there’s no one above me, and because I’m an end unit, I get some extra natural light and privacy.
Not to brag, but I’ve got some pretty good qualities. Come through my bright entry foyer, where you’ll find a coat closet and neutral tile flooring. From there, my spacious living room, formal dining area, and flexible den/family room create a generous, open-feeling layout with plenty of options for how you want to live.
But perhaps my favorite feature? I have two enclosed all-season patios. One stretches off the living room and den, giving you even more living space, while the other belongs exclusively to the primary suite.
They’re perfect for morning coffee, afternoon reading, entertaining—or just sitting outside without actually having to sit outside. My primary suite is generously sized and includes a walk-in closet, an additional storage closet, and a private ensuite bath with both a walk-in shower and separate soaking tub. The second bedroom and full guest bath give visitors their own comfortable space when friends or family come to stay.
Yes, I live in a 55+ community, but let’s not get hung up on age. I’ve aged gracefully, and my bathrooms would agree. They’re still in perfectly decent shape, even if you decide they could use a little modern flair.
Now, let’s talk about my kitchen. I’ll be honest: I’m ready for a little magic. My original cabinets are still here, waiting for someone with a vision, and the kitchen flooring has already been removed and prepped for a fresh update.
In other words, I’m not pretending to be something I’m not. I’m giving you a blank canvas to create the kitchen you actually want. I even have a gas range, pantry, and convenient pass-through to the den, so the bones are here.
Bring your ideas! I also have a large laundry room with built-in cabinetry, giving you plenty of storage, and the washer and dryer can stay. And then there’s Terrace Park of Five Towns, where there’s plenty happening beyond my four walls.
The community is continuing to invest in its future through its Reimagine projects, with Phase 1 including a new RV parking area, coin-operated car wash, bocce courts, and pickleball courts. Phase 2 is slated to bring a new fitness center along with a walkway connecting residents to the facility. There are also plans being explored for a shade structure at the Radcliffe Pool, with proposals currently being gathered.
In other words, 55+ doesn’t mean set in our ways. This community is continuing to evolve, add amenities, and prove that we’re not quite ready to slow down. So, if you’re looking for a spacious Florida condo with great natural light, no upstairs neighbors, two all-season patios, and the opportunity to make some spaces truly your own, I might just be the one you’ve been waiting for.
And don’t worry, I’m not asking you to fix everything. Just give me a little imagination, and I’ll give you plenty of room to make yourself at home. Come see me.
I have a feeling we’re going to get along.
All 63 photos
Description provided by KELLER WILLIAMS GULF BEACHES 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.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.
Directional estimate — built from 6 comparable closed sales in TERRACE PARK OF FIVE TOWNS (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,814 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-29.
Actual list price: $222,000 ($131/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 1985 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 1 active listing competing
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (6); 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 31, 2026.
Comparable recent sales
6 closed sales in TERRACE PARK OF FIVE TOWNS 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: $197,750 ($158/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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 $1,210/mo 75%
- Taxes $277/mo 17%
- Insurance $120/mo 7%
$1,608/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollThe current taxable value ($210,808) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Pinellas County Schools FY2025-26 adopted budget (first public hearing, 6.293 mills proposed tax millage); 0.5->1.0 mill operating referendum effective 7/1/2025. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 8198 Terrace Garden Drive #511
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.
| Property tax | The current owner's bill is about $4,075/yr (certified county roll, taxable value × millage). Buy at the asking price of $222,000 and the first-year bill resets to about $3,325/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 19.39 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| 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 $1,000–$2,000/yr; neither is a quote. |
| Roof and age | Built in 1985. An original roof would be about 41 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. |
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.
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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 — how to check availability for this address
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 Terr Park Of Five Towns No 28 Condo market
How this home is priced against recent nearby sales, and where Terr Park Of Five Towns No 28 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.
This home’s history
- 1985BuiltPer public record
- About Sep 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Sep 3, 2026)
- Sep 3, 2026First seen on movewithmomentum.comObserved at $240,000
- Oct 20, 2026Price cut$222,000 (-$18,000, -7.5%)
- 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
The Momentum read
🟡 Asking $131 per square foot, about 17% below the community’s $158 median. Terr Park Of Five Towns No 28 Condo’s 12-month median sold price per square foot is $158. 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.
What’s unique here: one of only 1 active listings in Terr Park Of Five Towns No 28 Condo, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS GULF BEACHES · MLS # TB8544904
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Every home on Terrace Garden Drive: what is for sale, what sold and when, the homes and the communities along it.
Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings
More on TERRACE PARK OF FIVE TOWNS
Go deeper on TERRACE PARK OF FIVE TOWNS
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 TERRACE PARK OF FIVE TOWNS guide → · Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Buyer research checklist
Items worth confirming for 8198 Terrace Garden Drive #511, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1985 (41 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.
- Listed living area is 1,700 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 $3,325/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $750 less per year than the current owner’s estimated bill (−18%). 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, checked against the MLS hourly (last: November 6, 2026) |
| Comparable sales | Stellar MLS closed sales in TERRACE PARK OF FIVE TOWNS, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; 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 8198 Terrace Garden Drive #511 and when was it built?
Per the listing record, 8198 Terrace Garden Drive #511 was built in 1985 and has 1,700 sq ft of living area, 2 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 8198 Terrace Garden Drive #511 in?
8198 Terrace Garden Drive #511 is in Terrace Park Of Five Towns in St Petersburg, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Why might property taxes on 8198 Terrace Garden Drive #511 differ from the current owner's?
The estimate on this page (about $3,325 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $750 less per year than the current owner’s estimated bill (−18%). 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 8198 Terrace Garden Drive #511 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 8198 TERRACE GARDEN DRIVE #511 in person
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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.
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.