David Ramirez
$399,9993 bd3 ba2,174 sqft$184 /sqft$3,639 /mo all-in ↓

14846 SEMINOLE TRAIL, SEMINOLE, FL, 33776

Active25 days on marketListed Jun 29, 2026MLS #TB8523963

Priced 20% below the SEMINOLE 33776 medianTownhouseTARA CAY SOUND NORTH

About this home

14846 SEMINOLE TRAIL

Come live the Coastal Florida dream in Tara Cay, a quiet waterfront community minutes from the beach. This townhome offers over 2,200 square feet of living space with 3 bedrooms and 3 full baths. The ground floor includes a one-car garage with an automatic garage door opener, and a flexible living space can serve as a 4th bedroom, game room, office, or in-law suite. Sliding glass doors lead to a screened patio overlooking the pool. Upstairs on the second floor, the main living area boasts an expansive living and dining room combination with plenty of natural light and views of the pool. The kitchen's open-concept overlooks the dining room and living room. A full bathroom and a spacious bedroom are also located on this level. Step outside onto the screened rear patio and enjoy the peaceful scenery and fresh breeze. The top floor has two master suites; one with an extra alcove for office, reading, crafts, etc. The master bedroom offers vaulted ceilings that make the room feel airy and open, a bathroom w/ walk in shower, 2 walk-in closets, & sliders leading to a private screened balcony. The third bedroom also includes its own private bathroom, perfect for guests or family members. For added convenience, the indoor laundry area is located on this floor as well. The natural light stands out, with windows and sliders throughout the home bringing in a bright, open feel that makes the space feel even larger and more inviting. The layout gives you flexibility for full-time living, guests, multigenerational needs, or a work-from-home setup. You are a short walk from the heated community pool, as well as a series of docks that are ideal for fishing, kayaking, paddleboarding, or pulling your boat up for short visits (Boaters may utilize the community docks for short-term docking for 48 hours – check with Property Management for the rules about utilizing the docks). Beach goers are a bike ride from Indian Rocks Beach and a short drive to the Pinellas Trail parking area. Whether you want easy access to enjoy the great outdoors or room to unwind, entertain, or simply enjoy the Florida weather, this setup delivers. Oversized garage offers plenty of room for storage, workbenches, and even a motorcycle. Located close to top-rated schools, excellent restaurants, and great shopping. The HOA covers water, sewer, trash, cable, and high-speed internet, community dock, along with maintenance of the beautiful mature landscaping, boat docks, and access to the year-round heated pool. Pet-friendly neighborhood with NO weight restriction. Tara Cay is a pet and family-friendly community of 132 homes nestled in a park-like setting w/ lots of green space for walking. Schedule your private showing today.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,174

Sqft

0.03 ac

Lot size

1

Garage

1996

Year built

Three Or More

Levels

$184

Per sqft

Pool viewPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · PrimaryBedroom Upstairs · Split Bedroom · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Upper Level · Washer Hookup
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionStucco · Wood Frame (FSC Certified)
FoundationSlab
ViewPool
FacesSouth
ParkingDriveway · Guest · Parking Pad
ExteriorBalcony · Irrigation System · Lighting · Rain Gutters · Sliding Doors

Community & fees

HOA fee$417/mo
Taxes (2025)$6,368/yr
PetsYes
CommunityCanal Front · Dock · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Public · Sewer Connected · 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.

$3,639 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,355
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$531
HOA fee — from the listing$417
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,000Loan30-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% · $14,000
Interest rate6.00%
Loan term

Estimated payment

$3,639/mo

Principal & interest$2,355
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$531
HOA / condo fee$417
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 $400K
$384KedgeAI estimate $473,777 · range $431K$491K$511K

vs edgeAI estimate

−15.6%

$/sqft vs Seminole actives

$184 vs $253

Days on market

25 vs 44 typical

Where $184/sqft sits among the 300 Seminole actives

63
37 · this home
54
49
46
51
$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 Tara Cay

Map of 14846 SEMINOLE TRAIL inside its neighborhood boundary

Drive times from this address

Downtown Tampa39 min
Tampa Int’l Airport (TPA)39 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)

167 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 20% below the SEMINOLE 33776 median. See the full Seminole market guide →

Paper trail

This home's history

Jun 29, 2026Listed at $399,999 · 25 days on market since
1996Built · TARA CAY SOUND NORTH

Reality check

What actually sold near 14846 SEMINOLE TRAIL

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

14859 SEMINOLE TRAILSold · Jun ’26

$420,000

14859 SEMINOLE TRAIL · same community

3 bd · 4 ba · 2,174 sqft · $193/sqft · 173 DOM

14676 SEMINOLE TRAILSold · Jun ’26

$410,000

14676 SEMINOLE TRAIL · same community

3 bd · 3 ba · 2,174 sqft · $189/sqft · 101 DOM

14692 SEMINOLE TRAILSold · Nov ’25

$375,000

14692 SEMINOLE TRAIL · same community

4 bd · 4 ba · 2,228 sqft · $168/sqft · 184 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 14846 SEMINOLE TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 14846 SEMINOLE TRAIL — 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

14846 SEMINOLE TRAIL FAQs

What would the monthly payment be for 14846 SEMINOLE TRAIL?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,639/mo — principal and interest, the actual property-tax bill, the $417/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 14846 SEMINOLE TRAIL?+

The association fee works out to $417 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 14846 SEMINOLE TRAIL?+

The most recent tax bill on record (2025) was $6,368. 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 14846 SEMINOLE TRAIL?+

The listing reports pets: 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 $399,999, this home is listed about 3% below the Seminole median of $410,950. The market section on this page shows how the area is trending.

Which schools are assigned to 14846 SEMINOLE TRAIL?+

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

Three things that matter here

01Under the SEMINOLE 33776 market on paper

$399,999 is 20% below the SEMINOLE 33776 median of $499,950, and at $184/sqft it sits under the Seminole average of $262.

02Pool views

The pool view is part of what you're buying — views hold value independently of the structure.

03Strong 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 JASON MITCHELL REAL ESTATE FLO · Otniel Gil. MLS #TB8523963.

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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