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1645 PINELLAS BAYWAY S #A1, Tierra Verde, FL, 33715

3beds
3baths
2,510sqft
$1,200,000
$478price/sqft
$9,211/moest. monthly cost
$368,440/yrincome needed

About This Home

Price reduced to Appraised value. Welcome to Hidden Lagoon, a premier waterfront community in the prestigious island enclave of Tierra Verde. This exceptional 3-bedroom, 3-bathroom residence offers the perfect blend of luxury, comfort, and boating lifestyle. Step off the elevator into your private foyer entrance and discover a thoughtfully designed floor plan featuring two spacious primary suites, each with its own ensuite bathroom, a third bedroom with additional office space ideal for remote work or hobbies. The beautifully updated kitchen showcases solid wood cabinetry, modern granite countertops, a center island with raised breakfast bar seating for four, a premium GE appliance package, cabinet-paneled refrigerator, Bosch dishwasher, and wine cooler, perfect for entertaining family and friends. Throughout the home, you'll find quality finishes including stone countertops in the bathrooms and hurricane-rated impact-resistant windows and sliding glass doors for added safety and peace of mind. Relax on your private waterfront balcony and enjoy serene views, or take advantage of the included boat slip equipped with a 16,000-pound lift, providing direct access to some of Florida's finest boating waters. Additional highlights include a 2018 HVAC system and water heater, as well as a 2019 roof. Hidden Lagoon offers an impressive collection of resort-style amenities, including two large swimming pools (one heated), a heated spa, poolside bathhouses with showers, tennis and pickleball courts, BBQ grilling areas, a fitness center, waterfront docks, fishing piers, EV charging stations, and additional boat slips available for rent through the HOA. Living in Tierra Verde means embracing an unmatched coastal lifestyle with easy access to Fort De Soto Park, Shell Key Preserve, and Pass-a-Grille Beach. Enjoy nearby waterfront dining, world-class boating and fishing, and all the entertainment, shopping, dining, and nightlife of downtown St. Petersburg. Tampa International Airport is conveniently located approximately 30-45 minutes away. Experience the best of waterfront living in one of Tierra Verde's most desirable communities. Schedule your private showing today!

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

4/10
Bay Point Middle SchoolGrades 6-84.9 mi
4/10
Lakewood High SchoolGrades 9-125.5 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2002

Materials

  • Foundation: Raised
  • Roof: Other,Tile
  • Construction materials: Concrete,Stucco

Type & Style

  • Home type: Condo
  • Architectural style: Mediterranean
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Oven,Cooktop,Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Refrigerator,Washer,Water Filtration System,Water Softener
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: En Suite Bathroom,Storage Closet
  • Level: First
  • Area: 208
  • Dimensions: 13x16

Bedroom3

  • Features: Storage Closet
  • Level: First
  • Area: 120
  • Dimensions: 10x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Wet Bar
  • Level: First
  • Area: 130
  • Dimensions: 10x13

Features

  • Ceiling Fan(s),Crown Molding,Eating Space In Kitchen,Elevator,Open Floorplan,Primary Bedroom Main Floor,Solid Surface Counters,Solid Wood Cabinets,Split Bedroom,Stone Counters,Thermostat,Walk-In Closet(s),Wet Bar
  • Door features: Sliding Doors
  • Window features: Window Treatments
  • Flooring: Carpet,Tile
  • Common walls with other units/homes: Corner Unit,End Unit

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,510
  • Total interior livable area: 2,510 sqft

Kitchen

  • Features: Kitchen Island
  • Level: First
  • Area: 225
  • Dimensions: 15x15

Living Room

  • Level: First
  • Area: 357
  • Dimensions: 17x21

Office

  • Level: First
  • Area: 54
  • Dimensions: 6x9

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Area: 299
  • Dimensions: 13x23

Property

Details

  • Parcel number: 293216386180000011
  • Zoning: 0430
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: In Ground
  • Patio & porch: Covered,Rear Porch
  • Exterior features: Balcony,Lighting,Sidewalk,Tennis Court(s),Boat Slip
  • Has spa: Yes
  • Spa features: Heated,In Ground
  • Fencing: Fenced,Masonry
  • Has view: Yes
  • View description: Tennis Court,Water,Bay/Harbor - Partial,Canal
  • Has water view: Yes
  • Water view: Water,Bay/Harbor - Partial,Canal
  • On waterfront: Yes
  • Waterfront features: Waterfront,Canal - Saltwater,Saltwater Canal Access,Gulf/Ocean Access,Gulf/Ocean to Bay Access,Intracoastal Waterway Access,Fishing Pier,Lift,No Wake Zone,Riprap,Sailboat Water
  • Residential vegetation: Trees/Landscaped

Lot

  • Lot size: 0.39 Acres
  • Features: FloodZone,Landscaped,Near Marina,Sidewalk,Unincorporated

Parking

  • Total spaces: 2
  • Parking features: Covered,Garage Door Opener,Ground Level,Guest,Off Street,Under Building
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Cold Wave
Tornado
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,067$72,804
Home Insurance *$1,171$14,052
Property Taxes $1,721$20,652
Electricity $252$3,031
Total$9,211$110,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$315,805/yr
40% on housing$276,330/yr
45% on housing$245,626/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$478This listing

vs Other Active Listings

Avg $/sqft

ZIP 33715$528
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 33715$593
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Price change$1,200,000
2026-07-15Listed for sale$1,350,000
2026-07-10Contingent$1,399,000
2026-06-16Listed for sale$1,399,000
2011-06-15Listing removed$649,000
2011-03-27Listed for sale$649,000
2011-03-18Sold$599,000
2010-11-24Price change$649,900
2010-09-18Price change$689,000
2010-08-14Price change$715,000
2010-07-04Price change$765,000
2010-01-16Price change$779,900
2009-06-08Price change$824,900
2009-02-22Listed for sale$849,900

For Sale by Agent

AgentBob Gaskins
BrokerageCENTURY 21 COASTAL ALLIANCE

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