David Ramirez
$435,000$580,0003 bd2 ba1,804 sqft$241 /sqft$3,204 /mo all-in ↓

13565 86TH AVENUE, SEMINOLE, FL, 33776

Active152 days on marketListed Feb 23, 2026MLS #TB8478479

Priced 14% below the SEMINOLE 33776 medianReduced $145KSingle Family ResidenceOAKHURST TERRACE

About this home

13565 86TH AVENUE

Short Sale. This beautifully designed 3-bedroom, 2-bath residence offers a thoughtful layout that seamlessly blends functionality with character. Featuring separate living, family, and dining rooms, the home provides distinct yet connected spaces ideal for both everyday living and entertaining. Upon entry, you’re welcomed by an open-concept flow enhanced by sleek flooring throughout and abundant natural light, creating a warm and inviting ambiance. The family room is centered around a striking fireplace that can be enjoyed as either wood-burning or electric—serving as a stylish focal point that adds both warmth and visual appeal to the main living area. Both bathrooms are generously sized, offering comfort and flexibility. One oversized bedroom features custom-installed drawers and countertops, providing built-in storage or creative-use potential. The primary bathroom showcases wood-toned storage accents that introduce warmth and texture, elevating the space with a refined, organic feel. Throughout the home, architectural details and a well-considered layout add individuality and charm, creating an ideal canvas for buyers seeking distinctive design with flexible living options. The backyard is designed as a true extension of the home—perfect for relaxing or entertaining year-round. A retractable awning leads to a cozy wood-burning fire pit, setting the stage for intimate evenings, storytelling, or memorable s’mores nights with friends and family. Additional highlights include an extra-long driveway offering ample parking for multiple vehicles, dedicated storage space for outdoor equipment, and mature trees that frame the property, providing privacy and a serene, established setting. This home offers a rare combination of space, character, and lifestyle appeal—an ideal opportunity for buyers seeking comfort, flexibility, and distinctive features in one well-appointed residence.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,804

Sqft

0.16 ac

Lot size

2

Garage

1972

Year built

One

Levels

$241

Per sqft

Fireplace

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Range · Refrigerator
InteriorCeiling Fan(s) · Split Bedroom · Window Treatments
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock
FacesNorthwest
ExteriorStorage

Community & fees

Taxes (2025)$3,486/yr

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

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

$3,204 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,561
FHA mortgage insurance (est.)$192
Property tax — 2025 actual bill$291
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,225Loan30-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% · $15,225
Interest rate6.00%
Loan term

Estimated payment

$3,204/mo

Principal & interest$2,561
FHA mortgage insurance (est.)$192
Property taxes (actual bill)$291
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 $435K
$418KedgeAI estimate $555,389 · range $518K$664K$691K

vs edgeAI estimate

−21.7%

$/sqft vs Seminole actives

$241 vs $253

Days on market

152 vs 44 typical

Where $241/sqft sits among the 299 Seminole actives

61
38
54 · this home
49
45
52
$108–158$158–207$207–257$257–306$306–356$356+

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 Terrace

Map of 13565 86TH AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)38 min

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

Get to know Seminole. See the full Seminole guide →

Oakhurst Terrace — neighborhood snapshot

Population

906

Median age

47

Median income

$113,550

Median home value

$426,200

Avg household

3

Households w/ children

103

For the school run

Pinellas County School District

MiddleSeminole Middle School★★★★★
ElementaryBauder Elementary 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 seller4.6 months of inventoryBuyer’s market

$410K$410K

Seminole median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

162 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 14% below the SEMINOLE 33776 median. See the full Seminole market guide →

Paper trail

This home's history

CurrentPrice reduced to $435,000 $145K
Feb 23, 2026Listed at $580,000 · 152 days on market since
1972Built · OAKHURST TERRACE

Reality check

What actually sold near 13565 86TH AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

13625 86TH AVENUESold · May ’26

$600,000

13625 86TH AVENUE · same community

3 bd · 2 ba · 1,789 sqft · $335/sqft · 1 DOM

13541 87TH PLACESold · Jul ’26

$505,000

13541 87TH PLACE · same community

3 bd · 2 ba · 1,700 sqft · $297/sqft · 2 DOM

8630 134TH STREETSold · Oct ’25

$705,000

8630 134TH STREET · same community

3 bd · 2 ba · 1,913 sqft · $369/sqft · 6 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 13565 86TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13565 86TH AVENUE — 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.

Goes straight to David’s phone and CRM.

Straight answers

13565 86TH AVENUE FAQs

What would the monthly payment be for 13565 86TH AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,204/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 13565 86TH AVENUE?+

The most recent tax bill on record (2025) was $3,486. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

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

At $435,000, this home is listed about 6% above the Seminole median of $410,950. The market section on this page shows how the area is trending.

Which schools are assigned to 13565 86TH AVENUE?+

Seminole Middle School (middle), Bauder Elementary School (elementary), 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

Four things that matter here

01Under the SEMINOLE 33776 market on paper

$435,000 is 14% below the SEMINOLE 33776 median of $504,950, and at $241/sqft it sits under the Seminole average of $262.

02Time on market is leverage

152 days on market against a Seminole median of 44 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

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

04The price has already moved

Listed at $580,000, now $435,000 — a $145K cut. The full history is in the market section below.

Listing courtesy of RIGHT TURN REALTY · Tahisia Scantling. MLS #TB8478479.

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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