Front elevation8198 TERRACE GARDEN DRIVE #511, ST PETERSBURG, FL 33709
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 6, 2026, 8198 Terrace Garden Drive #511 in Terr Park Of Five Towns No 28 Condo, St Petersburg is listed at $240,000 (1,700 sq ft, about $141 per sq ft). That sits within a few percent of Terr Park Of Five Towns No 28 Condo's median closed sale of $240,000 over the last 12 months (1 recorded sales). It came to market within the past week. 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
- New to market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1985BuiltPer public record
- Sep 3, 2026First trackedObserved at $240,000
- 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 $1,240/mo 76%
- Taxes $210/mo 13%
- Insurance $130/mo 8%
- HOA $50/mo 3%
$1,630/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
49/100 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 $141 per square foot, about in line with the community’s $141 median. ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM’s 12-month median sold price per square foot is $141. 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.
46% of homes in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM are owner-occupied. An estimated 54% are non-owner-occupied, including 20% held in a company or trust and 22% 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), 583 homes matched. Community-level context.
What’s unique here: one of only 5292 active listings in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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.
Description provided by KELLER WILLIAMS GULF BEACHES 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: $240,000 — 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 1985 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 — 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:
- 4937 active listings competing, 1221 under contract
For reference, this home is listed at $240,000 ($141/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,700 sq ft × $124–$158/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Similar homes for sale near TERR PARK OF FIVE TOWNS NO 28 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.
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.
Seen enough photos?
Want to see 8198 TERRACE GARDEN DRIVE #511?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by KELLER WILLIAMS GULF BEACHES · MLS # TB8544904
Request a showing
Recent sales activity in TERR PARK OF FIVE TOWNS NO 28 CONDO
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 TERR PARK OF FIVE TOWNS NO 28 CONDO 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 TERR PARK OF FIVE TOWNS NO 28 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.
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 TERR PARK OF FIVE TOWNS NO 28 CONDO 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.
No closely comparable recent sales were found in this data set.
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 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 $2,520/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.
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 →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 6, 2026) |
| Community market stats | Stellar MLS closed sales, as of July 15, 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 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 Terr Park Of Five Towns No 28 Condo in St Petersburg, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Terr Park Of Five Towns No 28 Condo 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 $2,520 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 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
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.
Momentum Realty · licensed in FL & GA
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.
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.
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.