Tierra Verde Condos: A Community-by-Community Guide

Updated October 2026.

The short answer: Tierra Verde condos are mostly small and mid-sized waterfront communities along the Pinellas Bayway, plus one newer gated Gulf-front community on Collany Key. Tierra Verde is not a city. It is unincorporated Pinellas County, so the county, not a city hall, sets the rental, permitting and flood repair rules, and the county’s substantial damage threshold is 49 percent, not the 50 percent many cities use. Each association then adds its own rules on rentals, pets and boats.

We are John and Nicole Kavaliauskas, licensed Florida Realtors with LoKation Real Estate. For the community itself, see our Tierra Verde guide.

Tierra Verde is unincorporated Pinellas County

Pinellas County lists Tierra Verde among its unincorporated Central and South County areas, with a county community coordinator holding office hours at the Tierra Verde fire station. Wikipedia describes Tierra Verde as a census-designated place built from a group of mangrove islands that were dredged, enlarged and connected by canals beginning in the late 1950s, linked to nearby cities by the Pinellas Bayway, with Fort De Soto Park at its southern end. Neighboring Isla del Sol, just north on the Bayway, is a separate community with its own condos.

How Tierra Verde condos differ

Waterfront first

Most condo communities here are on the water rather than on a beach. Listing records and agent pages describe boat slips, docks, kayak launches and fishing piers at several communities. The exception is Sunset Pointe at Collany Key, which listings describe as a gated Gulf-front community on an 18-acre island next to the Shell Key preserve.

Building ages

Florida’s condo registry, as published at florida-condo-directory.com, shows Tierra Verde associations recorded from 1981 through 2022. Several Bayway communities date from the early to mid 1980s, Hidden Lagoon at Arrowhead Point from 2000 and 2002, and the four Sunset Pointe associations from 2017 to 2022.

County rental rules

Unincorporated Pinellas County runs a short-term rental program. The county defines a short-term rental as a home or unit rented for stays of less than 30 days more than three times a year, or advertised for regular guest rentals. Owners must get a Certificate of Use and pass an inspection. Occupancy is capped at two guests per bedroom plus two in a common area, up to 10, and one off-street parking space is required per three occupants. Associations can be stricter. Our short-term rental rules guide covers the beach cities.

The 49 percent substantial damage rule

Many buyers know this as the 50 percent rule, but in unincorporated Pinellas County the number is 49. The county’s substantial damage page says a structure is substantially damaged when repair costs are 49 percent or more of its value without the land. For condos, the county’s condo storm repair page says the determination is made for each building, not each unit, and that the association or building owner submits a Storm Repair Authorization Form for each building before permits are issued. A substantially damaged building must be brought up to current floodplain rules.

Flood zones

Listing records for units at Sunset Pointe and Hidden Lagoon show flood zone AE. Flood insurance and elevation matter here as on the beaches. Our flood zones and insurance guide explains AE and VE.

Tierra Verde condo communities we could document

Unit counts and recording years come from Florida’s condo registry as published at florida-condo-directory.com, unless noted. Recording year can differ from the year built. We list only what we could source.

Community	Address	Setting	Details	Source
Sunset Pointe at Collany Key	650, 755, 795 and 800 Collany Rd	Gated, Gulf-front, next to Shell Key	Four associations of 30, 30, 30 and 40 units; recorded 2017 to 2022	Condo registry; listing records
Hidden Lagoon at Arrowhead Point	1645 and 1695 Pinellas Bayway S	Gated waterfront, leasable boat slips	Two associations of 33 and 24 units; recorded 2000 and 2002	Condo registry; listing records
Pirate’s Cove Club	1355 to 1375 Pinellas Bayway	Pinellas Bayway	42 units; recorded 1981	Condo registry
Ciega Verde	557 Pinellas Bayway S	Pinellas Bayway	32 units; recorded 1985; an agent page shows built 1984	Condo registry
Bayway	745 Pinellas Bayway S	Pinellas Bayway	31 units; recorded 1985	Condo registry
Port Tierra	910 Pinellas Bayway S	Off the Bayway; an agent page lists a dock	26 units; recorded 1982; an agent page shows two stories	Condo registry
Tierra Isle Marina Residences	312 8th Ave	An agent page describes four floors overlooking the water	8 units; recorded 2008	Condo registry

The registry lists more than 30 Tierra Verde associations in all, including Pine Key Lodge, The Moorings of Tierra Verde, Yacht Haven, Harbor Watch, Turtle Bay Club and Sunset Bay Club. Agent page details above come from thegulfcoastismyhome.com.

What to check before you buy

• Inspections, reserves and SIRS. Ask for the milestone inspection where it applies, the structural integrity reserve study, the budget and any pending special assessments. See our condo inspections, reserves and SIRS guide.
• Storm history. Ask whether the county made a substantial damage determination for the building after Hurricanes Helene and Milton in 2024, what was repaired under permit, and whether any claims remain open.
• Docks and slips. Find out whether a slip is deeded, assigned or leased from the association, and its size and lift capacity. See our seawall and dock inspection guide.
• Rentals. Read the association minimum, then check whether county Certificate of Use rules apply to your plan.
• Approval, pets and gates. Many associations require buyer approval and limit pets. Confirm both in writing.
• Flood and insurance. Get the master policy, the elevation certificate and your own HO-6 and flood quotes early.

Own a Tierra Verde condo?

Request a home valuation, read our Tierra Verde home value guide, or see how to sell a beach condo.

Looking to buy?

Tell us your budget, whether you need a boat slip, and your rental plans. Ask us for recent sales and current listings in any community. Contact us or call (727) 955-1222. To compare buildings across the area, see our beach condos by building index.

This page is general information, not legal, tax or insurance advice. Community details come from listing records, agent pages and Florida’s condo registry as published by a third-party directory, and may be incomplete or out of date. County rules and association rules change. Verify current rental, pet, permitting and flood rules with Pinellas County and the association, and consult your own inspector, insurer, lender and attorney. Team Beachside is not affiliated with any community on this page. John and Nicole Kavaliauskas are licensed Florida Realtors with LoKation Real Estate, (727) 955-1222.