Tina Wainscott was born in Naples, Florida. She was graduated from Lely High School in Naples in 1983 and studied business at Edison College. While attending college she often found herself daydreaming about stories, and eventually left school to devote herself to writing short stories. To enhance her skills, Wainscott attended night classes in creative writing. The creative writing classes helped Wainscott to become more focused, as she was expected to deliver new material in each session. Her third attempt at writing a novel won a prize in a Romance Writers of America competition in 1993, helping her to gain an agent. The manuscript, On the Way to Heaven, sold the following and was published in 1995. This paranormal romance was very popular, and within six months her publisher had released the sequel, Shades of Heaven.
she has published 17 novels, in the contemporary romance, paranormal romance, and suspense genres. Her 2007 novel ''Until the Day You Die'' is not considered a romance novel but is instead a psychological suspense novel. Her in-depth research allows her to create "a strong sense of place," which she pairs with "intriguing characters."
Wainscott has been nominated three times for Romantic Times Reviewer's Choice Awards, winning in 2000 for The Wrong Mr. Right. She has also been nominated for the Romantic Times Career Achievement Award.
Many of her novels are set in and around Naples, where Wainscott still lives with her husband, Dave Wainscott, a local architect.