121 FERNWOOD CIRCLE UNIT 121, SEMINOLE, FL, 33777
Active189 days on marketListed Jan 31, 2026MLS #TB8470542
About this home
121 FERNWOOD CIRCLE UNIT 121
FIRST FLOOR • MOVE-IN READY • DESIRABLE 55+ COMMUNITY With parking just right out your front door and the pool only feet from your back door. Opportunities like this don’t come along often—don’t let this one slip away. Tucked beside the natural beauty of Seminole Lake Park, this serene, park-like community known as The Gardens offers a truly special setting. The community features six clusters of six buildings, each arranged around its own private pool, clubhouse, and laundry facility, creating a welcoming and convenient atmosphere with a wide range of amenities, social events, and activities designed for an active lifestyle. This exceptional, open floor plan with spacious 2-bedrooms, 2-baths, a wonderful southwest-corner on the first-floor keeps the residence cool, comfortable. It's truly move-in ready. Highlights include newer hurricane-rated windows throughout, abundant natural light, and the convenience of two parking spaces just feet from your front door. With Seminole Lake Park just acrsss the way from the community —and a short drive to the Seminole Recreation Center, Seminole City Center, dining, shopping, entertainment, and award-winning Gulf beaches—this home offers the perfect blend of tranquility and approachability. Schedule your showing today and discover why The Gardens is one of Seminole’s most distinctive 55+ communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,285
Sqft
4.75 ac
Lot size
1974
Year built
One
Levels
$194
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.
$1,970 /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
$1,970/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
+32.6%
$/sqft vs Seminole actives
$194 vs $251
Days on market
189 vs 43 typical
Where $194/sqft sits among the 289 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 The Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
The Gardens — neighborhood snapshot
Population
884
Median age
56
Median income
$72,279
Median home value
$220,772
Avg household
2
Households w/ children
90%
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 → $410K
Seminole median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
161 of 289
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the SEMINOLE 33777 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 121 FERNWOOD CIRCLE UNIT 121
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$190,000
122 BUTTONWOOD CIRCLE UNIT 122 · same community
2 bd · 1.5 ba · 1,285 sqft · $148/sqft · 150 DOM
Sold · Jun ’26$139,000
221 FERNWOOD CIRCLE UNIT 221 · same community
2 bd · 2 ba · 1,285 sqft · $108/sqft · 312 DOM
Sold · Jul ’26$186,000
114 DOGWOOD CIRCLE UNIT 114 · same community
2 bd · 2 ba · 1,285 sqft · $145/sqft · 182 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 121 FERNWOOD CIRCLE UNIT 121 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 FERNWOOD CIRCLE UNIT 121 — 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
121 FERNWOOD CIRCLE UNIT 121 FAQs
What would the monthly payment be for 121 FERNWOOD CIRCLE UNIT 121?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,970/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 121 FERNWOOD CIRCLE UNIT 121?+
The most recent tax bill on record (2024) was $2,742. 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 121 FERNWOOD CIRCLE UNIT 121?+
The listing reports pets: Breed Restrictions, 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 $249,900, this home is listed about 36% below the Seminole median of $387,500. The market section on this page shows how the area is trending.
Which schools are assigned to 121 FERNWOOD CIRCLE UNIT 121?+
Starkey Elementary School (elementary), Osceola Middle School (middle), Dixie M. Hollins High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the SEMINOLE 33777 market on paper
$249,900 is 9% below the SEMINOLE 33777 median of $273,500, and at $194/sqft it sits under the Seminole average of $256.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
189 days on market against a Seminole median of 43 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Starkey Elementary School, Osceola Middle School, Dixie M. Hollins High School — Starkey Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of PLUMLEE GULF BEACH REALTY · Tim O'Neil. MLS #TB8470542.
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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