Tern Bay Townhomes
Homes for Sale in St. Petersburg, FL

Community in St Petersburg · Pinellas County · ZIP 33715
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Built fromLive Stellar MLS data12 years of closingsUpdated twice daily

As of October 2026, Tern Bay Twnhms in St Petersburg, FL has 2 homes for sale. Homes listed or recently sold were built 1999–1999; 3 of 3 report an HOA (median $700/mo); 3 of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 7 ft).

Live · Tern Bay Townhomes Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
24.0mo
Supply
3 to 6 months is the balanced band
0%
Under contract
Pinellas: 21% (1,729 of 8,357)
2 · 0
For sale · pending
live counts, refreshed twice daily
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Tern Bay Townhomes is a small, contained townhome community of 46 homes in St Petersburg, built between 1982 and 2001 with a median year of 1990. Because these are attached homes of a similar footprint — median living area right around 1,750 square feet — price here is driven less by square footage and more by condition, updates, and interior finish. Two units of nearly identical size can sit far apart on price depending on how much work has gone into them, so expect a wide condition-driven spread rather than a clean price ladder.

With about 65% of homes carrying a homestead exemption, this reads as a predominantly owner-occupied community rather than an investor block, which tends to mean steadier, less churny inventory. For a buyer, that means fewer listings to choose from at any given moment and the need to move deliberately when a well-kept unit appears. For a seller, the small size of the community makes recent comparable sales unusually important — one dated or one renovated sale nearby moves the conversation.

Tern Bay Townhomes Housing Pulse · Momentum Research · as of September 12, 2026

Tern Bay Townhomes right now

🟢 Buyer-leaning market. 24.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 12, 2026. Confidence: Low (2 active and pending listings, 0 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 2, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

A 46-home townhome pocket in St Petersburg where the homes share an era and a size, so the real variable is condition. Buyers should underwrite the interior, not the square footage.

Stellar MLS sales records identify 5 homes in Tern Bay Townhomes that have changed hands since 2007, built between 1999 and 1999 (median 1999), with a median living area of about 2,100 sq ft and a typical 3-bedroom, 3-bath layout; 100% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • Buyers wanting a low-maintenance attached home who will do the diligence on systems and association reserves
  • Owner-occupants planning to hold, drawn to a steady, mostly owner-occupied community
  • Buyers open to a renovation project who can price the gap between an original and an updated unit

Probably not for

  • Buyers who require a detached single-family home with a private lot
  • Shoppers who want a broad menu of listings to compare at any given time
  • Investors seeking heavy rental turnover, given the high owner-occupancy share

The market around Tern Bay Townhomes

Tern Bay Townhomes is too small for its own price trend, so here is the market around it.

In ZIP 33715, 232 homes are on the market and 14% are under contract — a slower corner of St Petersburg.

Across Pinellas County, 6,628 homes are active and 1,729 pending (21% under contract).

In ZIP 33715 (St Petersburg), 277 homes closed in the last 12 months at a median of $490K ($377/sq ft), down 6.0% year over year, with a median 95 days on market. Right now 84 active and 16 pending listings put supply at about 6.1 months — a soft market. See the live ZIP 33715 housing market and the Pinellas County market.

ZIP and county figures describe the wider market, not Tern Bay Townhomes specifically. Momentum Research analysis of MLS records.

Homes For Sale Right Now in Tern Bay Townhomes

Live MLS inventory for Tern Bay Townhomes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Tern Bay Townhomes listings as of 2026-09-19, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.

Every Home for Sale in Tern Bay Twnhms Right Now (2)

All 2 active and pending Tern Bay Twnhms listings with a detail page, newest first, refreshed twice a day from the MLS.

Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.

If we were buying in Tern Bay Townhomes today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Tern Bay Townhomes.

Best Buy
Buyers who want a manageable townhome footprint in St Petersburg and are comfortable underwriting condition over size.
Biggest Risk
A small inventory means limited choice and heavy reliance on a handful of comps.
Sweet Spot
A well-maintained or updated unit near the median 1,750-square-foot footprint bought after a full HOA-document review.
Avoid If
You need a single-family lot, new construction, or a large selection to shop from.

A condition-driven townhome market

The homes here fall inside a roughly two-decade build window, and the median build year sits at 1990. That maturity matters: on attached homes of this vintage, the meaningful diligence is in the systems and the shared-structure items — roof, plumbing, HVAC age — and in how thoroughly the interior has been brought forward. A renovated unit and an original one can look worlds apart in value even though the floor plan and the median 1,750-square-foot footprint barely differ.

Because this is a townhome community, budget for association considerations alongside the purchase price — reserves, exterior maintenance responsibility, and any pending assessments belong in your math early. We treat those documents as part of the offer analysis, not an afterthought.

“

The location and the amenities are priced into every listing in Tern Bay Townhomes. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a 46-home community, the data set is thin and every comparable sale carries weight. We track what actually trades here and, just as important, the condition behind each sale, so a buyer isn't overpaying for a dated interior and a seller isn't anchoring to a renovated comp that doesn't match their unit. On attached homes of this era, that condition-adjusted read is where offers are won or lost.

Tern Bay Townhomes in 15 seconds.

Best forBuyers who want a manageable townhome footprint in St Petersburg and are comfortable underwriting condition over size.
Biggest advantageA predominantly owner-occupied community with a consistent size and era, which keeps comparisons clean.
Biggest riskA small inventory means limited choice and heavy reliance on a handful of comps.
Sweet spotA well-maintained or updated unit near the median 1,750-square-foot footprint bought after a full HOA-document review.
Avoid ifYou need a single-family lot, new construction, or a large selection to shop from.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Tern Bay Townhomes homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Tern Bay Townhomes.
In short
  • HOA dues reported around $700/month (about $8,400/yr) · median of 57 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $700 per month ($8,400 a year) — the median AssociationFee across 57 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Tern Bay Townhomes sales matched to your home.

What is your Tern Bay Townhomes home worth?

Get a no-obligation home value based on real comparable sales in Tern Bay Townhomes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See homes for sale in Tern Bay Townhomes on the map →

Real comps, not an automated estimate.
How much local inventory is already under contract

12% of homes for sale in ZIP 33715 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-30).

Tern Bay Twnhms Market Scorecard

Strong buyer's market

Tern Bay Twnhms is currently a strong buyer's market. About 24.0 months of supply, a median asking price of $510,000, and homes go under contract in about 148 days.

24.0
Months supply
$510,000
Median list
$500,000
Median sold
$243
Per sqft
148
Days on mkt
2/0/1
Active/Pend/Sold

Typical home value in the 33715 ZIP is $469,681, about 10.4% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Is Tern Bay Townhomes a buyer's or seller's market right now?
As of September 12, 2026, Tern Bay Townhomes leans toward buyers: 24.0 months of supply at the current sales pace (Stellar MLS live counts).
Who is the best real estate agent for Tern Bay Townhomes?
The best agent for Tern Bay Townhomes is one who actively works St Petersburg and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Tern Bay Townhomes.
How do I find a top St Petersburg real estate agent who knows Tern Bay Townhomes?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Tern Bay Townhomes and the wider St Petersburg area.
Can Momentum Realty connect me with an agent for Tern Bay Townhomes?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Tern Bay Townhomes purchase or sale - no call center and no pressure.
Where is Tern Bay Townhomes, and what county is it in?
Tern Bay Townhomes is in St Petersburg, Pinellas County, FL, ZIP 33715. The community's center is about 9 miles southwest of the center of St Petersburg (straight-line).
Buyers wanting a low-maintenance attached home who will do the diligence on systems and association reservesExcellent fit
Owner-occupants planning to hold, drawn to a steady, mostly owner-occupied communityExcellent fit
Buyers open to a renovation project who can price the gap between an original and an updated unitExcellent fit
Buyers who require a detached single-family home with a private lotProbably not
Shoppers who want a broad menu of listings to compare at any given timeProbably not
Investors seeking heavy rental turnover, given the high owner-occupancy shareProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: September 19, 2026)
Under-contract sharesStellar MLS records, as of 2026-09-08
Historical depthClosed-sale records back to 2014 (10 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.

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Schools serving nearby communities

We do not have a confirmed school assignment for Tern Bay Townhomes. These are the public schools most often assigned to other communities in ZIP 33715; zones change and vary by address, so confirm with the district before you buy.

Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).

Nearby Communities

Explore more neighborhoods near Tern Bay Townhomes with Momentum Realty’s local guides.

TSTierra Shores Townhomes0.0 mi away · 1 for saleCVCiega Verde Condo0.0 mi away · median $391K, 6 sales/12 moBTBridgewater Townhomes0.1 mi away · 1 for salePalm Island Tierra Verde0.1 mi away · 11 homes, built 1982–00, 2 for salePIPalm Island Townhomes0.1 mi awayHWHarbor Watch On Tierra Verde0.1 mi away · 1 for salePOPinnacle Of Tierra Verde0.1 mi awayVAVillaggio At Tierra Verde Condo0.1 mi away · 1 for sale

Browse all neighborhood guides →

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