545 Pinellas Bayway S

A low-rise, three-story townhouse complex built in 1999, Tern Bay in Tierra Verde offers multi-level 3-bedroom residences that feel like small private homes. Units typically span three levels with an oversized ground-floor tandem two-car garage and storage, the main living and entertaining spaces on the middle level, and sleeping quarters plus laundry on the upper level. Interiors mix coastal and traditional details — vaulted and tray ceilings, crown molding, solid wood cabinetry, stone or granite counters, built-ins, multiple walk-in closets, and features such as cathedral ceilings, ceiling fans, and wood or tile-look flooring. Many homes include private screened balconies and French doors, allowing indoor-outdoor living and water or pool views. Exterior amenities reflect the island setting: shared pool, seawall and fishing benches, community docks and private boat slips with lifts at some units, landscaped courtyards, irrigation, outdoor showers, and storage. The community emphasizes low-maintenance, lock-and-leave living with HOA-covered items (often including flood insurance) and hurricane-impact windows or shutters. Parking is garage-based with additional guest spaces; pet and rental policies vary by unit. Located on Tierra Verde, the complex sits minutes from Fort De Soto Park, nearby marinas, island dining, beaches and bike trails, offering a marina-adjacent, water-oriented lifestyle within short drives to downtown St. Petersburg and Gulf access.