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Finally, the Tierra Verde home that everyone has been waiting for: elevated, single-level, split floorplan, high ceilings, 3 bedrooms plus an office and a flex space, 2. 5 baths wrapped around a sparkling pool and spa, in one of the island's most coveted neighborhoods.
Charming and move-in ready, it has been meticulously maintained and upgraded by its owners, who commissioned a pre-emptive inspection by one of Tampa Bay's most diligent inspectors, confirming the home's superior condition.
It sits on a quiet interior street in Tierra Verde's Monte Cristo neighborhood and offers about 2, 600 square feet of well-planned living.
The kitchen is the nerve center of this home, with an ideal layout and tons of space. It has solid wood cabinetry, granite counters, a large center island, double ovens, generous drawer storage, and great natural and task lighting. It opens to the main living areas and overlooks the pool.
Connecting the kitchen to the living room is a spacious bar with storage, prep space, and a wine fridge. The living room has vaulted ceilings and looks onto the pool deck.
The primary suite sits on its own side of the house and includes a renovated bath with a freestanding slipper tub, dual quartz vanities, an oversized walk-in shower, a separate water closet, and a walk-in closet fitted with a custom system. The second full bath has dual sinks and also serves as the pool bath.
Although listed as a three-bedroom, the home gives you two more rooms: a gorgeous built-out office off the primary bedroom, and a formal living room near the entrance that would serve well as a work-from-home space, media room, studio, fitness space, or separate lounge.
Notably, the home has upgrades that will satisfy the savvy Florida buyer: the major systems have been replaced and permitted, including a 2019 roof, Pella high-impact windows and sliders throughout, impact-rated front entry and garage door, two Carrier HVAC systems with new ductwork, a hybrid heat-pump water heater, an upgraded electrical panel, and whole-house water filtration. The property sits partially in flood zone X500, and the current flood premium runs about $870 per year.
This is where the Florida dream comes true: the heated saltwater pool includes a sun shelf and attached spa, surrounded by a wide brick-paver deck under a screen enclosure that was fully re-screened in 2025 and finished with privacy paneling. There's a built-in outdoor kitchen, and the fully fenced yard includes reclaimed-water irrigation.
Tierra Verde is a genuine island paradise. Just minutes to the vibrancy of downtown St. Petersburg, with its outdoor dining, miles of waterfront parks, world-famous pier, museums, and more. Tierra Verde offers a convenient tropical oasis, with world-class boating at its multiple marinas, proximity to the perennially award-winning white sand beaches of historic Pass-a-Grille, and it serves as the gateway to Ft. DeSoto. People come from across the country to visit this outstanding county park for miles of walking/biking/blading trails, kayak through mangrove tunnels, or bask in the sun on the endless array of pristine, undeveloped beaches. The island itself features outstanding dining, and Isla del Sol Yacht and Country Club is just over the Tierra Verde bridge. The proximity to I-275 via the Pinellas Bayway means quick access to multiple airports, including TPA, PIE, and SPG. Let Tierra Verde be the setting for your future island memories.
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $1,036,000 | $1,036,000 | $1,036,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.000% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.263% | 6.121% | 6.183% |
| Monthly Tax Payment | $665 | $665 | $665 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $6,046 | $6,211 | $8,742 |
| Total Monthly Payment | $6,835 | $7,000 | $9,531 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.