$359,500

8140 Terrace Garden Drive

St Petersburg, FL 33709

Active
2
Beds
2
Baths
1,735
Sq Ft
0
Acres
1982
Built
Waterfront55+ community$207/sqft360° tour
🏠Condominium

Property type

🏗️1982

Year built

📊$207

Price / sq ft

🏘️No HOA

HOA dues

📅233

Days on market

🌊AE

Flood zone

About this home

PRICE IMPROVEMENT! START LIVING THE FLORIDA LIFE YOU’VE BEEN DREAMING OF! This one-of-a-kind 1735 SF home in the popular 55+ community of Five Towns delivers the space, style, and sunshine northern buyers are looking for—just 10 minutes to the beach and close to downtown St. Pete. With one of the lowest condo fees ($699/mo.) in the entire community, no special assessments, and hurricane shutters on every window, this condo offers major peace of mind for anyone relocating from out of state. Love convenience? You’ll have first-floor living, covered parking right out front, and the rare ability to use a gas grill right outside your back door. Located in the coveted Belmont building, you’ll enjoy serene water and nature views from your oversized screened lanai—your new favorite spot for morning coffee or evening breezes. Inside, this home shines:• Renovated kitchen with granite, maple cabinets, gas range & stainless appliances • Large, open living/dining area perfect for hosting visitors • Freshly painted neutral tones in main living areas. Huge indoor laundry room with storage, utility sink & updated machines • Easy-care laminate floors, tile in kitchen/baths & elegant crown molding • Well-maintained AC under 10 years old. The primary suite is spacious and comfortable with two walk-in closets and an updated bath. Guests will love the roomy second bedroom and refreshed guest bath. Plus, a versatile bonus room gives you the perfect space for an office, den, hobby room, or extra guests. Five Towns is ideal for newcomers—friendly neighbors, endless activities, multiple pools, clubhouses, fitness centers, walking paths, and more. Your low monthly fee of $699 covers cable, internet, natural gas, water, sewer, trash, reserves, and full access to amenities. A new RV/boat/vehicle storage area is nearly ready for use as well. Looking for a spacious, move-in-ready Florida home with resort-style living and incredible value? This is it. Motivated seller—don’t wait. Come see this standout condo today!

Estimated monthly payment

Principal & interest$1,818
Property taxes$197
Home insurance (est.)$165

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history233 days on market

  1. Status: Active
    Mar 12, 2026
  2. Listed$399,500
    Oct 1, 2025
  3. Price reduced$359,500

Virtual Tour

Facts & features

Property type
Residential
Sub type
Condominium
Status
Active
Days on market
233
Subdivision
Terrace Park Of Five Towns
County
Pinellas
Year built
1982
Living area
1,735 sq ft
Price/sq ft
$207
Building area
1,965 sq ft (Owner)
Lot size
0 sq ft
Lot category
Non-Applicable
Flood zone
AE (12103C0184H)
Annual taxes
$2,367 (2024)
Parcel #
36-30-15-90336-002-1030
MLS #
A4666913

Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Ceramic Tile, Laminate
Appliances
Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Crown Molding, Eat-in Kitchen, Living Room/Dining Room Combo, Open Floorplan, Solid Wood Cabinets, Stone Counters, Window Treatments
Laundry
Laundry Room
Stories / Levels
One
Direction faces
North

Heating & Cooling

Heating
Central, Natural Gas
Cooling
Central Air

Parking

Parking features
Covered, Guest
Carport
Yes

HOA & Financial

Total monthly fees
$699/mo
Total annual fees
$8,388
HOA name
Desantis Community Management/Louis Desantis
CDD
No
Homestead exemption
Yes
Min lease term
6 Months
Listing terms
Cash, Other
Ownership
Condominium
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Tenant must be age 55 or older.
Approval process
HOA approval required with background check and interview. Fees apply.

Exterior & Construction

Exterior features
Hurricane Shutters, Lighting, Sidewalk, Storage
Construction materials
Block, Stucco
Roof
Tile
Foundation
Slab
Waterfront
Yes
Water view
Yes
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Community

Pets allowed
Cats OK, Dogs OK, Number Limit, Size Limit, Yes
Senior community
Yes

Room Details

RoomLevelDimensions
Living RoomFirst19.4x16.8
Dining RoomFirst13.1x9.1
KitchenFirst15x9
Bonus RoomFirst10.9x10
Primary BedroomFirst16.8x11.1
Bedroom 2First13.8x11.2
Balcony/Porch/LanaiFirst23x10

Listing Details

Listing date
2025-10-01
On market date
2025-10-01
Original list price
$399,500
Occupant type
Vacant
MLS area
33709 - St Pete/Kenneth City
Listing AOR
Sarasota - Manatee
Status changed
2026-03-12
Tax legal description
TERRACE PARK OF FIVE TOWNS NO. 26 CONDO BELMONT BLDG, UNIT 103

Flood risk

High riskFEMA Zone AEPanel 12103C0184H

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

54th Ave. N to entrance to Terrace Park at Five Towns. Follow through and as 80th curves left it becomes Terrace Garden Dr. N, building on left. If you enter from north entrance off 62nd Ave N then the building is on the right very close to the back entrance.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

IDX 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.

Based on information submitted to the MLS GRID as of May 28, 2026 at 4:02 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA