Tern Bay Townhomes
Homes for Sale in St. Petersburg, FL
True comps, carrying-cost math, and listings before the portals.
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).

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.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
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 20, 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.
Who Tern Bay Townhomes is best for.
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.
Tern Bay Townhomes on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
The Tern Bay Townhomes buying strategy.
If we were buying in Tern Bay Townhomes today, this is the order of operations we would run for our clients.
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.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
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.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
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.
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.
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.
What it really costs to own in Tern Bay TownhomesHomes for Sale
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $700/month across 3 MLS listings (most billed monthly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| 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 depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1999 across 3 listings. An original roof here would be about 27 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 for replacement where it fails. |
Email me new listings in Tern Bay TownhomesHomes for Sale
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Tern Bay TownhomesHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Tern Bay TownhomesHomes for Sale will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $700/month (about $8,400/yr) · median of 3 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 3 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.
Tools for a Tern Bay Townhomes buy.
Free calculators to pressure-test the real cost before you tour.
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.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Tern Bay Townhomes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
| Location | St Petersburg, Pinellas County, FL · ZIP 33715 |
|---|---|
| Homes in the community | 7 (FL DOR 2025 assessment roll) |
| Years built | 1982–1999 (median 1989) |
| Typical living area | 1,950 sq ft (median) |
| Amenities listed by sellers | Pool, Deed Restrictions |
| For sale right now | 2 active, 0 pending · median asking $510,000 · 24.0 months of supply |
| Owner-occupied (homestead) share | 86% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Tern Bay Townhomes key facts,” movewithmomentum.com/neighborhoods/tern-bay-twnhms, data as of September 20, 2026.
Just listed in Tern Bay Townhomes
The newest homes for sale in Tern Bay Townhomes right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 545 Pinellas Bayway #302 $494,500 · 3 bd · 3 ba · 2,100 sq ft · 162 days on market Courtesy of SUNBELT REAL ESTATE FLORIDA
- 545 Pinellas Bayway S #207 $489,900 · 3 bd · 3 ba · 2,100 sq ft · 216 days on market Courtesy of EXIT SUNCOAST REALTY
Checked against the MLS Oct 20, 2026. All new listings in this market.
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.
- 545 Pinellas Bayway #302 · $494,500 · 3 bd / 3 ba · listed Jul 22, 2026 · listed by Sunbelt Real Estate Florida
- 545 Pinellas Bayway S #207 · $489,900 · 3 bd / 3 ba · listed Jul 22, 2026 · listed by Exit Suncoast Realty
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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 (2026-10-20).
Tern Bay Twnhms Market Scorecard
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.
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?
Who is the best real estate agent for Tern Bay Townhomes?
How do I find a top St Petersburg real estate agent who knows Tern Bay Townhomes?
Can Momentum Realty connect me with an agent for Tern Bay Townhomes?
Where is Tern Bay Townhomes, and what county is it in?
Should you buy in Tern Bay Townhomes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 19, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-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.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Tern Bay Townhomes fits the bigger picture — live prices, inventory, and Momentum Scores:
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.
- Gulfport Elementary School · Elementary (assigned to 2 nearby communities)
- Bay Point Middle School · Middle · FLDOE grade A (assigned to 2 nearby communities)
- Lakewood High School · High · FLDOE grade A (assigned to 2 nearby communities)
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.


