7645 HARBOR VIEW WAY, SEMINOLE, FL, 33776
Active84 days on marketListed May 1, 2026MLS #TB8500193
About this home
7645 HARBOR VIEW WAY
** Home Pre-Certified for Resale - All Inspections have been completed prior to listing and are available for review upon request** Step into this beautiful coastal contemporary oasis just minutes from the beach in exclusive Crossing at the Narrows. This two story home features 3 bedrooms + Loft, 2.5 baths (with an addition shower in the laundry room), 2 car garage and large screened in pool area. The serene backyard retreat features two patios, an upper deck with a tranquil water feature, and a screened-in pool, plus an additional private grilling deck—perfect for entertaining or relaxing outdoors year-round. Inside, this spacious home offers multiple living areas, including a separate living room, dining room, family room, loft, and Florida room—providing flexibility for gatherings, work-from-home space, or quiet retreats. The gorgeous updated kitchen showcases a large granite island, stainless steel appliances, induction cooktop, warming drawer, wine refrigerator, and more—ideal for both everyday living and hosting. Upstairs features all 3 bedrooms, loft with balcony, and 2 updated bathrooms. The Primary retreat features a large Updated bathroom with walk in closet, and double vanity. Additional highlights include Plantation Shutters, a new fenced backyard, and a water softener for added comfort and convenience. Located in a prime Seminole location just minutes from Seminole City Center shopping, dining, and entertainment—and best of all, NO HOA. Some additional items of note include - Both HVAc systems new in 2023, Pool Pump 2020, New Roof, Chimney Cap and Chimney Siding new in 2025, Exterior Paint 2025, Screened Cage and Patio extended in 2023. This is truly a must-see home in an unbeatable location! This home was NOT impacted by Hurricane Helene floodwaters.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,211
Sqft
0.19 ac
Lot size
2
Garage
1988
Year built
Two
Levels
$384
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.
$5,784 /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
$5,784/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
+1.6%
$/sqft vs Seminole actives
$384 vs $254
Days on market
84 vs 44 typical
Where $384/sqft sits among the 298 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 Crossing At The Narrows
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Crossing At The Narrows — neighborhood snapshot
Population
458
Median age
53
Median income
$158,700
Median home value
$697,800
Avg household
3
Households w/ children
45%
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 298
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 67% above the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 7645 HARBOR VIEW WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,100,000
13936 HARBOR VIEW DRIVE · same community
3 bd · 3 ba · 2,189 sqft · $503/sqft · 88 DOM
Sold · Mar ’26$820,000
13945 75TH AVENUE · same community
3 bd · 2.5 ba · 2,376 sqft · $345/sqft · 355 DOM
Sold · Nov ’25$750,000
7591 HARBOR VIEW WAY · same community
4 bd · 3 ba · 3,471 sqft · $216/sqft · 200 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 7645 HARBOR VIEW WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7645 HARBOR VIEW WAY — 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
7645 HARBOR VIEW WAY FAQs
What would the monthly payment be for 7645 HARBOR VIEW WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,784/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 7645 HARBOR VIEW WAY?+
The most recent tax bill on record (2025) was $8,621. 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 $850,000, this home is listed about 107% above the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 7645 HARBOR VIEW WAY?+
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
Three things that matter here
01Positioned at the premium end
$850,000 runs 67% above the SEMINOLE 33776 median — but at 2,211 sqft it's also 45% 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.
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.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Nick Fraser. MLS #TB8500193.
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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