David Ramirez
Pending
$439,0003 bd2 ba1,536 sqft$286 /sqft$3,222 /mo all-in ↓

13920 JAMAICA DRIVE, SEMINOLE, FL, 33776

Pending21 days on marketListed Jul 14, 2026MLS #A4699933

Priced 16% below the SEMINOLE 33776 medianPrivate poolSingle Family ResidenceOAKHURST GROVES

About this home

13920 JAMAICA DRIVE

Exceptionally Maintained 2-Bedroom, 2-Bath Ranch with Office/Optional 3rd Bedroom – Minutes from Indian Rocks Beach This exceptionally well-maintained 1,536-square-foot ranch-style home offers 2 bedrooms, 2 bathrooms, plus a dedicated office that can easily serve as a third bedroom. Built in the mid-1960s, the home blends timeless construction with thoughtful modern updates and is located in a quiet, established neighborhood just a short bike ride or bus ride to Indian Rocks Beach. Situated on a private, fully fenced lot just under 8,000 square feet, this move-in-ready home features an open-concept floor plan, abundant natural light, and numerous high-value improvements already completed. Interior Features • Open-concept living, dining, and kitchen areas • Kitchen with center island and breakfast bar • Updated kitchen and bathrooms • Easy to maintain flooring throughout • Dedicated office/flex room that can serve as a third bedroom • Inside laundry room • Ceiling fans throughout Recent Improvements & Amenities • Brand-new roof (June 2026) with hurricane straps • Hurricane-rated impact windows • 4.5 year-old heat pump/HVAC system – routinely maintained • New garage door and opener • 12 KW whole-house propane generator • 50-amp RV hookup • Underground power lines • Solar available in the neighborhood • Irrigation system on a well • Professionally installed partially recessed above-ground pool • Oversized deck with partial roof—perfect for entertaining • Professionally installed exterior TV antenna providing access to more than 80 over-the-air channels, including all major broadcast networks, with no monthly subscription required • Kitchen appliances and dryer will stay with the home • Large private fenced backyard with doggie door • Storage shed for tools and lawn equipment • Room to park an RV, boat, or other recreational vehicles • No HOA • NOT located in a flood zone • No damage during the 2024 hurricanes! Enjoy peace of mind with all the major updates already completed—new roof, impact windows, HVAC, whole-house generator, and more—saving the next owner tens of thousands of dollars in future improvements. Outstanding Location Located in the desirable Seminole school district, this home is within walking distance of Bauder Elementary, Seminole Middle School, and Seminole High School. Oakhurst Plaza—with Publix, Ace Hardware, Angry Pepper, and other shopping and dining options—is also just a short walk away. Beautiful Gulf beaches, Walsingham Park, nearby parks, local restaurants, and everyday conveniences are all only minutes from your doorstep. The Pinellas Trail, Walsingham Park, and more are a walk or bike ride away! PIE and TPA airports are both less than 30 minutes away.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,536

Sqft

0.18 ac

Lot size

1

Garage

1963

Year built

Two

Levels

$286

Per sqft

Private pool

Inside

FlooringCeramic Tile · Laminate
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets · Thermostat
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesNorth
ExteriorDog Run · Irrigation System · Rain Gutters · Sidewalk · Storage

Community & fees

Taxes (2025)$3,400/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fiber Optics · Propane · Public · Sewer Connected · Sprinkler Well · Street Lights · Underground Utilities · Water Connected
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,222 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,584
FHA mortgage insurance (est.)$194
Property tax — 2025 actual bill$283
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,365Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,365
Interest rate6.00%
Loan term

Estimated payment

$3,222/mo

Principal & interest$2,584
FHA mortgage insurance (est.)$194
Property taxes (actual bill)$283
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $439K
$421KedgeAI estimate $543,493 · range $510K$601K$625K

vs edgeAI estimate

−19.2%

Days on market

21 vs 46 typical

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Oakhurst Groves

Map of 13920 JAMAICA DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa37 min
Tampa Int’l Airport (TPA)37 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Seminole. See the full Seminole guide →

Oakhurst Groves — neighborhood snapshot

Population

563

Median age

61

Median income

$50,313

Median home value

$326,700

Avg household

2

Households w/ children

39%

For the school run

Pinellas County School District

ElementaryOakhurst Elementary School★★★★
MiddleSeminole Middle School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Seminole market

Seller’s marketLeans seller3.2 months of inventoryBuyer’s market

$405K$450K

Seminole median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 16% below the SEMINOLE 33776 median. See the full Seminole market guide →

Paper trail

This home's history

Jul 14, 2026Listed at $439,000 · 21 days on market since
1963Built · OAKHURST GROVES

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 13920 JAMAICA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13920 JAMAICA DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

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Goes straight to David’s phone and CRM.

Straight answers

13920 JAMAICA DRIVE FAQs

What would the monthly payment be for 13920 JAMAICA DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,222/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 13920 JAMAICA DRIVE?+

The most recent tax bill on record (2025) was $3,400. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 13920 JAMAICA DRIVE?+

The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Seminole?+

At $439,000, this home is listed about 13% above the Seminole median of $388,000. The market section on this page shows how the area is trending.

Which schools are assigned to 13920 JAMAICA DRIVE?+

Oakhurst Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the SEMINOLE 33776 market on paper

$439,000 is 16% below the SEMINOLE 33776 median of $519,950.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of SAVVY AVENUE, LLC · Moe Mossa. MLS #A4699933.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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