9490 HARBOR GREENS WAY UNIT 305, SEMINOLE, FL, 33776
Active281 days on marketListed Oct 27, 2025MLS #TB8441907
About this home
9490 HARBOR GREENS WAY UNIT 305
Located just 5 minutes from the beautiful Beaches of Pinellas County & minutes from shopping and dining choices at Seminole City Center Harbor Greens of Yacht Club Estates is a highly desirable Community surrounded by former Baypointe Golf course and is now tranquil green space known as the Baypointe Conservation Area. Enjoy walking or biking all the paved paths or just enjoying the view from the large screened in Balcony. This 2 bedroom 2 bath Unit features granite counters in the Kitchen, vinyl plank and tile flooring, and updated baths. There is a large storage unit under the building. This Active over 55 community hosts many activities and gatherings throughout the year. Monthly condo fees include cable & internet, so the only utility you’ll need to cover is electricity. The Milestone Report and SIRS Study have already been completed. Reserves are fully funded, and all assessments have been paid in full.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,200
Sqft
0 ac
Lot size
1981
Year built
One
Levels
$150
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,407 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,407/mo
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.
vs edgeAI estimate
−52.4%
$/sqft vs Seminole actives
$150 vs $255
Days on market
281 vs 44 typical
Where $150/sqft sits among the 290 Seminole actives
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 Harbor Greens At Yacht Club Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Harbor Greens At Yacht Club Estates — neighborhood snapshot
Population
409
Median age
64
Median income
$61,818
Median home value
$344,700
Avg household
2
Households w/ children
32%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Seminole market
$405K → $450K
Seminole median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
164 of 290
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 66% below the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 9490 HARBOR GREENS WAY UNIT 305
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$185,000
9450 HARBOR GREENS WAY UNIT 503 · same community
2 bd · 2 ba · 1,200 sqft · $154/sqft · 172 DOM
Sold · Sep ’25$210,000
9490 HARBOR GREENS WAY UNIT 303 · same community
2 bd · 2 ba · 1,200 sqft · $175/sqft · 17 DOM
Sold · Sep ’25$220,000
9490 HARBOR GREENS WAY UNIT 205 · same community
2 bd · 2 ba · 1,200 sqft · $183/sqft · 450 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9490 HARBOR GREENS WAY UNIT 305 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9490 HARBOR GREENS WAY UNIT 305 — 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.
Straight answers
9490 HARBOR GREENS WAY UNIT 305 FAQs
What would the monthly payment be for 9490 HARBOR GREENS WAY UNIT 305?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,407/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 9490 HARBOR GREENS WAY UNIT 305?+
The most recent tax bill on record (2024) was $1,299. 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 9490 HARBOR GREENS WAY UNIT 305?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $179,900, this home is listed about 54% below the Seminole median of $390,250. The market section on this page shows how the area is trending.
Which schools are assigned to 9490 HARBOR GREENS WAY UNIT 305?+
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
Five things that matter here
01Under the SEMINOLE 33776 market on paper
$179,900 is 66% below the SEMINOLE 33776 median of $530,000, and at $150/sqft it sits under the Seminole average of $257.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
281 days on market against a Seminole median of 44 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $219,900, now $179,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST · Tamra Kennedy. MLS #TB8441907.
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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