10746 109TH STREET, SEMINOLE, FL, 33778
Active24 days on marketListed Jul 9, 2026MLS #TB8521757
About this home
10746 109TH STREET
Price improvement - now $409,900! Welcome home to this charming 3-bedroom, 2-bath split-plan home ideally located in the desirable Seminole/Largo area in unincorporated Pinellas County! From the moment you arrive, you'll appreciate the oversized driveway and convenient double swing gate off to the side offering additional parking space to store a small boat or trailer behind the fence.At the heart of the home, the nicely updated kitchen features granite countertops, stainless steel appliances, a subway tile backsplash, and overlooks the main living areas with wood-look tile flooring throughout. The thoughtful split-bedroom layout offers privacy, with two well-sized guest bedrooms at the front of the home with an updated guest bathroom featuring a granite-topped vanity, subway tile, and a tub/shower combination. The spacious primary suite is tucked away at the rear of the home and offers a large walk-in closet and an updated ensuite bath complete with granite vanity, a frameless glass walk-in shower, and floor-to-floor tile surround. An inside utility room provides added convenience along with additional storage space. Step outside to the generously sized backyard with plenty of room to entertain, relax, or even add the pool of your dreams. New roof (2025), AC (2017), Mini-split (2020), Water Heater (2017), Stainless steel appliances (2021) Located in Unincorporated Pinellas County, this home offers added flexibility while being just minutes from the Florida Botanical Gardens, Walsingham Park,, Gulf Beaches, Shopping, dining, and approximately 30 minutes to Tampa International Airport. Best of all, this home is not located in a flood zone, so no flood insurance is required.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,770
Sqft
0.15 ac
Lot size
1957
Year built
One
Levels
$232
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.
$3,372 /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
$3,372/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
+0.9%
$/sqft vs Seminole actives
$232 vs $254
Days on market
24 vs 44 typical
Where $232/sqft sits among the 291 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 Pine Grove Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Pine Grove Estates — neighborhood snapshot
Population
480
Median age
34
Median income
$87,656
Median home value
$312,900
Avg household
3
Households w/ children
56%
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)
165 of 291
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 134% above the SEMINOLE 33778 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 10746 109TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$327,000
10747 109TH WAY · same community
3 bd · 2 ba · 1,261 sqft · $259/sqft · 2 DOM
Sold · Aug ’25$328,000
10944 106TH AVENUE · same community
3 bd · 1.5 ba · 1,081 sqft · $303/sqft · 7 DOM
Sold · Jun ’26$300,000
821 S SOLANDRA DRIVE · same community
3 bd · 1 ba · 1,050 sqft · $286/sqft · 102 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 10746 109TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10746 109TH STREET — 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
10746 109TH STREET FAQs
What would the monthly payment be for 10746 109TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,372/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 10746 109TH STREET?+
The most recent tax bill on record (2025) was $7,407. 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 $409,900, this home is priced right at the Seminole median.
Which schools are assigned to 10746 109TH STREET?+
Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high), Starkey Elementary School (elementary) — 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
$409,900 runs 134% above the SEMINOLE 33778 median — but at 1,770 sqft it's also 16% larger than the typical Seminole listing.
02Strong assigned schools
Osceola Middle School, Richard O Jacobson Technical High School At Seminole, Starkey Elementary School — Richard O Jacobson Technical High School At Seminole rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $420,000, now $409,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Julie Barnhardt. MLS #TB8521757.
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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