11174 90TH TERRACE, SEMINOLE, FL, 33772
Active227 days on marketListed Dec 9, 2025MLS #TB8446561
About this home
11174 90TH TERRACE
$585,000 — what an incredible value for this private tropical retreat! AND IT GETS BETTER – SELLER TO INSTALL A NEW ROOF AND PROVIDE A 4 POINT REPORT FOR BUYER WITH AN ACCEPTABLE OFFER!!!!! Inspired by timeless Spanish design, this beautifully curated residence showcases rich terra cotta tile floors throughout, setting a warm and distinctive tone. Featuring TWO MAIN SUITES, the layout offers exceptional flexibility, privacy, and comfort — ideal for guests or multi-generational living. Enter through a gated courtyard into nearly 2,000 sq ft of thoughtfully designed living space. The chef’s kitchen shines with quartz countertops and stainless appliances, while the inviting family room features a wood-burning fireplace, custom entertainment wall, and elegant dry bar with display shelving. A sun-filled Florida room overlooks the heated saltwater pool and waterfall spa — your own private oasis. Both suites are generously sized, including a luxurious primary retreat with direct pool access, a spa-like bath with shower jets and warming towel racks, and a spacious custom walk-in closet. The second suite offers its own beautifully appointed bath with walk-in tub/shower. Additional highlights include storm-impact windows, whole-house water softener, plantation shutters, crown molding, wide baseboards, and garage storage room. Perfectly situated in a charming, high-and-dry Flood Zone X Seminole neighborhood, on a “no through traffic” street, this exceptional home delivers style, comfort, and peace of mind.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,994
Sqft
0.17 ac
Lot size
2
Garage
1975
Year built
One
Levels
$293
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.
$3,833 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,833/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−29.2%
$/sqft vs Seminole actives
$293 vs $253
Days on market
227 vs 44 typical
Where $293/sqft sits among the 299 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 Pineola
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Pineola — neighborhood snapshot
Population
112
Median age
52
Median income
$77,083
Median home value
$283,100
Avg household
3
Households w/ children
6%
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
$410K → $410K
Seminole median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
168 of 299
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 200% above the SEMINOLE 33772 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 11174 90TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$520,000
11202 91ST AVENUE · same community
3 bd · 2 ba · 1,897 sqft · $274/sqft · 7 DOM
Sold · May ’26$589,000
10002 KEY HAVEN ROAD UNIT 201
3 bd · 2 ba · 2,100 sqft · $280/sqft · 29 DOM
Sold · Aug ’25$600,000
7040 KEY HAVEN ROAD UNIT 601
3 bd · 2 ba · 2,100 sqft · $286/sqft · 86 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 11174 90TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11174 90TH TERRACE — 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
11174 90TH TERRACE FAQs
What would the monthly payment be for 11174 90TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,833/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 11174 90TH TERRACE?+
The most recent tax bill on record (2025) was $3,565. 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 11174 90TH TERRACE?+
The listing reports pets: Yes. 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 $585,000, this home is listed about 42% above the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 11174 90TH TERRACE?+
Seminole Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high), Osceola Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$585,000 runs 200% above the SEMINOLE 33772 median — but at 1,994 sqft it's also 31% larger than the typical Seminole listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
227 days on market against a Seminole median of 44 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Seminole Elementary School, Richard O Jacobson Technical High School At Seminole, Osceola Middle School — Richard O Jacobson Technical High School At Seminole rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $595,000, now $585,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Sandra Bozeman. MLS #TB8446561.
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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