$814,999

637 Pinellas Bayway

St Petersburg, FL 33715

Active

Beds

Baths

1,650

Sq Ft

0.04

Acres

1991

Built

◆Waterfront◆Water access◆Fireplace◆$494/sqft◆360° tour

🏠Townhouse

Property type

🏗️1991

Year built

📐1,769 sqft

Lot size

📊$494

Price / sq ft

🏘️$1,140/mo

HOA dues

📅53

Days on market

🚗1

Garage space

🌊AE

Flood zone

About this home

PRICE REDUCTION!! Welcome to a rare opportunity to own a high-end waterfront residence in the highly sought-after island community of Tierra Verde—a true boater’s paradise offering direct access to Tampa Bay and the Gulf of Mexico, all while being waterfront and NEVER flooded. This exceptional townhome-style condo is designed for both luxury and lifestyle. The property includes a private dock with an impressive 16,000-LB boat lift, ideal for serious boaters who want quick, unobstructed access to open water. Whether you enjoy fishing, cruising, or paddleboarding, this home puts Florida’s best waterfront living right at your back door. Inside, the residence is filled with natural light and thoughtfully designed for comfort and entertaining. The updated kitchen features brand-new stainless steel appliances, while the primary bathroom was beautifully renovated in 2024, offering a spa-like retreat. Two private balconies showcase sweeping water views and are uniquely connected by a spiral staircase, creating seamless indoor-outdoor flow and an unforgettable coastal ambiance. Peace of mind comes standard with major recent upgrades, including a new roof installed just 3 months ago and a recently serviced AC system. The ground level features a 1-car garage, along with a bonus media room and ample storage, perfect for kayaks, paddleboards, bikes, or additional living space. Located just minutes from St. Pete Beach, Fort DeSoto, downtown St. Petersburg, and I-275, with easy access to Tampa International Airport, this home offers the perfect balance of island serenity and urban convenience. Tierra Verde also features parks, marinas, waterfront dining, trails, and endless recreational opportunities. This is more than a home—it’s a Florida waterfront lifestyle rarely available at this level. Schedule your private showing today and experience Tierra Verde living at its finest.

Estimated monthly payment

Principal & interest$4,121

Property taxes$294

Home insurance (est.)$374

HOA dues$1,140

Down payment

20%

$163,000 downRate

6.5%

Term

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 history53 days on market

Status: Active
Jan 24, 2026
Listed$875,000
Jan 24, 2026
Price reduced$814,999

Virtual Tour

Facts & features

Property type: Residential
Sub type: Townhouse
Status: Active
Days on market: 53
Subdivision: Palm Island Twnhms
County: Pinellas
Year built: 1991
Living area: 1,650 sq ft
Price/sq ft: $494
Lot size: 1,769 sq ft
Lot category: 0 to less than 1/4
Flood zone: AE (12103C0286H)
Garage: 1 spaces
Annual taxes: $3,523 (2024)
Parcel #: 20-32-16-65688-000-0110
Zoning: RM-15
MLS #: TB8463347

Interior Details

Bedrooms: 2
Full bathrooms: 2
Half bathrooms: 1
Flooring: Ceramic Tile, Luxury Vinyl, Tile
Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Microwave, Range, Refrigerator, Washer
Interior features: Cathedral Ceiling(s), Ceiling Fans(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, PrimaryBedroom Upstairs, Stone Counters, Thermostat
Laundry: Inside, Upper Level
Stories / Levels: Three Or More
Direction faces: West
Fireplace: Yes

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 1
Attached garage: Yes
Parking features: Garage Door Opener, Guest, Off Street

HOA & Financial

HOA fee: $1,140 / Monthly
Monthly HOA: $1,140/mo
Total monthly fees: $1,140/mo
Total annual fees: $13,680
HOA name: Claudia Potter/Tierra Verde Property
CDD: No
Homestead exemption: Yes
Min lease term: 1-2 Years
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Condominium
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: 3 months minimum lease- 4 times per year. Confirm with association.
Approval process: Complete application, submit to Tierra Verde Property Management and pay fee.

Exterior & Construction

Exterior features: Awning(s), Balcony, French Doors, Lighting, Sliding Doors
Construction materials: Block, Stucco, Frame
Roof: Shingle
Foundation: Slab
Waterfront: Yes
Water access: Yes
Water view: Yes
Road surface: Asphalt, Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Connected, Public, Sewer Connected, Water Connected

Community

Pets allowed: Size Limit, Yes

Schools

ElementaryBay Point Elementary-PNGreatSchools ↗

MiddleBay Point Middle-PNGreatSchools ↗

High SchoolLakewood High-PNGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Kitchen	Second	16.7x14.3
Dining Room	Second	16.7x10.1
Living Room	Second	16.7x17.11
Balcony/Porch/Lanai	Upper	16.7x8.1
Primary Bedroom	Third	13.1x18.1
Bathroom 2	Third	13.11x13.3
Bathroom 1	Third	9.9x12.1
Bathroom 2	Third	9.9x5.1

Listing Details

Listing date: 2026-01-24
On market date: 2026-01-24
Original list price: $875,000
Occupant type: Owner
MLS area: 33715 - St Pete/Tierra Verde
Listing AOR: Suncoast Tampa
Status changed: 2026-01-24
Tax legal description: PALM ISLAND TOWNHOMES LOT 11

Flood risk

High riskFEMA Zone AEPanel 12103C0286H

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

Take Exit 17 for FL-682 / Pinellas Bayway toward Tierra Verde / Fort DeSoto. Continue west on Pinellas Bayway S for approximately 3 miles, crossing onto the island of Tierra Verde. Stay on Pinellas Bayway S as you pass marinas, restaurants, and waterfront homes. 637 Pinellas Bayway S will be on your right-hand side. Enter the community and proceed to Unit 11 (guest parking available).

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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 March 18, 2026 at 3:43 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.

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