David Ramirez
$440,0003 bd4 ba2,174 sqft$202 /sqft$3,573 /mo all-in ↓

9936 INDIAN KEY TRAIL UNIT 22, SEMINOLE, FL, 33776

Active144 days on marketListed Mar 3, 2026MLS #TB8480244

Priced 12% below the SEMINOLE 33776 medianWaterfrontTownhouseTARA CAY SOUND SOUTH II

About this home

9936 INDIAN KEY TRAIL UNIT 22

Think the perfect low maintenance WATERFRONT LIVING can’t be yours? THINK AGAIN! Old Florida charm and the perfect Florida waterfront lifestyle are YOURS in this spacious peaceful high and dry elevation (level 2) 3-floor townhome with multiple water views and dock access located in the highly sought after city of Seminole. This is the perfect space to have your key lime pie…and eat it too! All the joys of living on the water and none of the stress! With TWO large living rooms on separate floors (with one being on the ground floor that can be easily converted to a 4th bedroom and has a full bathroom on this first floor), this home seems like two homes in one and works great for multigenerational families or company that comes frequently! The open concept second floor living space has a kitchen with beautiful custom solid wood cabinetry with crown molding, stone countertops, and a high end wood range hood combined with the beautiful designer dining room chandelier and spacious living room that leads out to your screened in balcony overlooking the tranquil water leading out into the bay. Upstairs on the third floor (which is handicap accessible) you will find that there are basically two primary suites with high cathedral ceilings! The primary with the waterfront view has not one, but TWO large walk-in closets, an en-suite bathroom, and a private screened-in balcony overlooking the sparkling water while the other also has its own en- suite bathroom, double built-in closets, and bonus space with built-in shelving and vaulted ceiling perfect for a home office or workout area! The third bedroom is located on the second floor and has a built-in closet with a large extra storage compartment inside. Downstairs to the first floor (handicap accessible) you will find a second living space and full bathroom! Perfect for guests, family, or just extra space to entertain. The sliding glass doors open to the gated back porch with views of the wildlife and water with a pathway leading out to the dock for fishing, hopping on your canoe, kayak, paddleboard, or just simply sitting, watching, and listening to nature in this protected tropical preserve. All sliding glass doors are equipped with electronic storm shutters for extra wind protection. This beautiful and peaceful community is both pet friendly and has a heated pool with lounge chairs and tables making being social a breeze and features plenty of guest parking. Updates include: Acorn electronic handicap chair lift for stair access to all three floors (removable), Hurricane grade garage door, hurricane shutters on all glass doors, New A/C (2025), New Roof (2025), High end Bosch dishwasher (2024), High-end chandelier, kayak rack in garage.

Facts & features

The home at a glance

3

Bedrooms

4

Bathrooms

2,174

Sqft

0.05 ac

Lot size

1

Garage

1995

Year built

Three Or More

Levels

$202

Per sqft

WaterfrontWater viewNegotiable

Inside

FlooringCarpet · Tile · Vinyl
AppliancesCooktop · Dishwasher · Disposal · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator
InteriorAccessibility Features · Built-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionConcrete · Wood Frame
FoundationSlab
ViewWater
FacesSoutheast
ParkingGarage Door Opener · Ground Level · Guest
ExteriorHurricane Shutters · Irrigation System · Rain Gutters · Sliding Doors

Community & fees

HOA fee$420/mo
Taxes (2025)$2,496/yr
PetsDogs OK
CommunityDock · Intracoastal Waterway · Water Access · Waterfront · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Irrigation-Reclaimed Water · Pool

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Sprinkler Recycled · Street Lights · Water Connected
WaterPublic

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.

$3,573 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property tax — 2025 actual bill$208
HOA fee — from the listing$420
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,400Loan30-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% · $15,400
Interest rate6.00%
Loan term

Estimated payment

$3,573/mo

Principal & interest$2,590
FHA mortgage insurance (est.)$195
Property taxes (actual bill)$208
HOA / condo fee$420
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 $440K
$383KedgeAI estimate $415,067 · range $399K$455K$473K

vs edgeAI estimate

+6%

$/sqft vs Seminole actives

$202 vs $253

Days on market

144 vs 44 typical

Where $202/sqft sits among the 300 Seminole actives

64
37 · this home
56
46
45
52
$109–159$159–208$208–257$257–307$307–356$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 Tara Cay

Map of 9936 INDIAN KEY TRAIL UNIT 22 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 →

Tara Cay — neighborhood snapshot

Population

632

Median age

60

Median income

$87,375

Median home value

$433,200

Avg household

2

Households w/ children

32%

For the school run

Pinellas County School District

ElementaryOakhurst Elementary School★★★★
MiddleSeminole Middle 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)

164 of 300

Seminole actives have cut their price

Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 12% below the SEMINOLE 33776 median. See the full Seminole market guide →

Paper trail

This home's history

Mar 3, 2026Listed at $440,000 · 144 days on market since
1995Built · TARA CAY SOUND SOUTH II

Reality check

What actually sold near 9936 INDIAN KEY TRAIL UNIT 22

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

9720 INDIAN KEY TRAIL UNIT 117Sold · May ’26

$319,000

9720 INDIAN KEY TRAIL UNIT 117 · same community

3 bd · 4 ba · 2,174 sqft · $147/sqft · 723 DOM

9953 INDIAN KEY TRAIL UNIT 126Sold · Dec ’25

$475,000

9953 INDIAN KEY TRAIL UNIT 126 · same community

4 bd · 4 ba · 2,196 sqft · $216/sqft · 10 DOM

14392 83RD PLACESold · Dec ’25

$785,000

14392 83RD PLACE

4 bd · 2.5 ba · 2,200 sqft · $357/sqft · 110 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 9936 INDIAN KEY TRAIL UNIT 22 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 9936 INDIAN KEY TRAIL UNIT 22 — 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

9936 INDIAN KEY TRAIL UNIT 22 FAQs

What would the monthly payment be for 9936 INDIAN KEY TRAIL UNIT 22?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,573/mo — principal and interest, the actual property-tax bill, the $420/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 9936 INDIAN KEY TRAIL UNIT 22?+

The association fee works out to $420 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 9936 INDIAN KEY TRAIL UNIT 22?+

The most recent tax bill on record (2025) was $2,496. 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 9936 INDIAN KEY TRAIL UNIT 22?+

The listing reports pets: Dogs OK. 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 $440,000, this home is listed about 7% above the Seminole median of $410,950. The market section on this page shows how the area is trending.

Which schools are assigned to 9936 INDIAN KEY TRAIL UNIT 22?+

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

Four things that matter here

01Under the SEMINOLE 33776 market on paper

$440,000 is 12% below the SEMINOLE 33776 median of $499,999, and at $202/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

144 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.

Listing courtesy of NEXTHOME GULF COAST · Joshua Neitz. MLS #TB8480244.

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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