10540 77TH TERRACE UNIT 109, SEMINOLE, FL, 33772
Active191 days on marketListed Jan 23, 2026MLS #TB8466169
About this home
10540 77TH TERRACE UNIT 109
Virtually Staged. Welcome to Villa Milan, a quiet. Lakefront community right in the heart of Seminole. No age restrictions. A Recently updated 1-bedroom, 1-bath ground-floor condo in the desirable Villa Milan community on beautiful Lake Seminole. This bright, clean unit has been well maintained and offers peace of mind with no water intrusion, making it an excellent option for full time residency, investors and seasonal residents. All new Vinyl planks flooring in a beautiful neutral color, Newly painted walls, updated kitchen with new wood soft close cabinets, large stainless farm sink, all updated bathroom with floor to ceiling ceramic tiles in the step in shower and a large shady private back patio. Owner just installed a new water heater and updated the electrical wiring in the condo. A rare opportunity to own at the perfect location in Seminole. Enjoy easy, low-maintenance living with ground-floor access, assigned parking, and abundant natural light throughout. A standout feature is the private, fully secluded outdoor sitting area, ideal for relaxing, entertaining, or enhancing rental appeal. A few minutes walk to the drug store, grocery store, clinics and a few minutes drive3 from several parks and malls, and the beaches. About 30 minutes drive to both area's airports and large medical centers. Set in a quiet lakefront community with convenient access to shopping, dining, and nearby beaches, this condo is perfect as a winter retreat, full-time residence, or income-producing investment. A truly perfect location, community, condition and price.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
720
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$179
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 and the real association fee — not generic estimates.
$1,479 /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
$1,479/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
+3.5%
$/sqft vs Seminole actives
$179 vs $252
Days on market
191 vs 44 typical
Where $179/sqft sits among the 293 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 Seminole
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
SEMINOLE 33772 — neighborhood snapshot
Population
23,428
Median age
50.5
Median income
$74,026
Median home value
$327,000
Avg household
2.24
Households w/ children
1,996
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)
167 of 293
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% below the SEMINOLE 33772 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 10540 77TH TERRACE UNIT 109
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$91,000
10036 63RD AVENUE N UNIT 20
1 bd · 1 ba · 675 sqft · $135/sqft · 3 DOM
Sold · Aug ’25$120,000
9860 62ND TERRACE N UNIT 1051
1 bd · 1 ba · 770 sqft · $156/sqft · 103 DOM
Sold · Mar ’26$220,000
6077 113TH STREET UNIT 610
2 bd · 2 ba · 790 sqft · $278/sqft · 8 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 10540 77TH TERRACE UNIT 109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10540 77TH TERRACE UNIT 109 — 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
10540 77TH TERRACE UNIT 109 FAQs
What would the monthly payment be for 10540 77TH TERRACE UNIT 109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,479/mo — principal and interest, the actual property-tax bill, the $390/mo association fee 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.
How much are the HOA fees at 10540 77TH TERRACE UNIT 109?+
The association fee works out to $390 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10540 77TH TERRACE UNIT 109?+
The most recent tax bill on record (2024) was $1,351. 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 10540 77TH TERRACE UNIT 109?+
The listing reports pets: No. 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 $129,000, this home is listed about 69% below the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 10540 77TH TERRACE UNIT 109?+
Seminole Elementary School (elementary), Osceola 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 33772 market on paper
$129,000 is 34% below the SEMINOLE 33772 median of $195,000, and at $179/sqft it sits under the Seminole average of $262.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
191 days on market against a Seminole median of 44 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Seminole Elementary School, Osceola Middle School, Richard O Jacobson Technical High School At Seminole — 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 $137,000, now $129,000 — a $8K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Salma Abdelaal. MLS #TB8466169.
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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