$299,800
8186 Terrace Garden Drive
St Petersburg, FL 33709
Listing updated: June 25, 2026 at 6:36 PM ET
Listing courtesy of Mihara & Associates Inc. · Raimonda Misiunas · MLS #TB8485554 · Active · 813-960-2300Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Don't miss this opportunity to own one of the largest condo in the highly sought-after 55+ community of Terrace Park at Five Towns. This well maintained TOP-FLOOR, CORNER UNIT offers 1,765 SQ. FT. of bright, move-in ready living with treetop views, 2 PRIVATE BALCONIES, and the peace and privacy only a top floor can provide. 2 bedrooms, 2 full baths, and an open living and dining area perfect for entertaining or relaxing. The oversized laundry room with built-in storage is a standout feature — and the washer and dryer are included! NEW WINDOWS, NEW A/C means you can move in with complete peace of mind. As part of the highly sought-after Five Towns community, you'll enjoy 6 pools, 2 clubhouses, tennis, bocce, shuffleboard, billiards, fitness activities, and a vibrant social scene. The monthly maintenance fee covers gas, water, sewer, trash, cable, internet, building and flood insurance, security, pest control, and full amenity access — truly carefree Florida living. Conveniently located near shopping, dining, Bay Pines VA Healthcare, and just minutes from the Intracoastal Waterway and Madeira Beach. Covered parking and additional storage right at the entrance.
Local Insight
At $170/sqft for a waterfront 55+ condo in an AE flood zone, you're getting below-market pricing that likely reflects serious flood insurance costs and mandatory elevation requirements—worth running the actual insurance quotes before committing. The 8.59-acre lot is unusual for a condo unit and suggests this might be part of a larger community property allocation rather than individual ownership, so clarify what that acreage actually means for you versus shared amenities. Built in 1987 with no HOA is a rare plus for affordability, but factor in whether the property's age and flood-zone status will create resale headwinds down the line.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
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 history105 days on market
- Status: ActiveMar 12, 2026
- Listed$375,000Mar 12, 2026
- Price reduced$299,800
Facts & features
- Property type
- Residential
- Sub type
- Condominium
- Status
- Active
- Days on market
- 105
- Subdivision
- Terrace Park Of Five Towns
- County
- Pinellas
- Year built
- 1987
- Living area
- 1,765 sq ft
- Price/sq ft
- $170
- Lot size
- 374,017 sq ft
- Flood zone
- AE
- Annual taxes
- $1,462 (2025)
- Parcel #
- 36-30-15-90348-000-6010
- MLS #
- TB8485554
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Carpet, Laminate
- Appliances
- Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- Three Or More
- Direction faces
- Southwest
Heating & Cooling
- Heating
- Central, Natural Gas
- Cooling
- Central Air
Parking
- Parking features
- Covered, Guest
- Carport
- Yes
HOA & Financial
- Total monthly fees
- $865/mo
- Total annual fees
- $10,380
- HOA name
- Gene Park
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, VA Loan
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Verify with the association.
- Approval process
- Approval required.
Exterior & Construction
- Exterior features
- Balcony, Hurricane Shutters, Lighting, Sidewalk
- Construction materials
- Block
- Roof
- Built-Up
- Foundation
- Slab
- Waterfront
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Public
Community
- Pets allowed
- Yes
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 12x17 |
| Bedroom 2 | First | 11x13 |
| Kitchen | First | 18x9 |
| Foyer | First | 7x7 |
| Dining Room | First | 13x16 |
| Laundry | First | 7x10 |
| Primary Bathroom | First | 12x7 |
| Bathroom 2 | First | 5x9 |
| Living Room | First | 20x26 |
Listing Details
- Listing date
- 2026-03-12
- On market date
- 2026-03-12
- Original list price
- $375,000
- Occupant type
- Owner
- MLS area
- 33709 - St Pete/Kenneth City
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-03-12
- Tax legal description
- TERRACE PARK OF FIVE TOWNS NO. 30 CONDO UNIT 601 TOGETHER WITH THE USE OF CARPORT 38
Flood risk
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
From Park St N, turn east onto 62nd Ave N and take the first right onto Terrace Garden Dr N. Follow the signs to The Syracuse building. Park in Guest Parking. The elevator is located in the middle of the building.
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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 June 25, 2026 at 6:36 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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