
13650 96TH TERRACE, SEMINOLE, FL, 33776
Active22 days on marketListed Jul 3, 2026MLS #TB8525140
About this home
13650 96TH TERRACE
This isn't just another pool home—it's a private Florida retreat offering exceptional indoor-outdoor living, flexible space, and the peace of mind that comes with extensive storm-ready upgrades. Beautifully updated, this 3-bedroom, 2.5-bath residence with an oversized two-car garage is centered around its true showpiece—an extraordinary 1,700-square-foot screened lanai where nearly every room opens to a sparkling PebbleTec saltwater pool, creating the perfect setting for entertaining, relaxing, and enjoying the Florida lifestyle year-round. Move-in ready with extensive improvements, this home features a new roof (2025), hurricane-rated garage door (2025), PGT impact windows, four sets of impact sliding glass doors, remodeled bathrooms, paver driveway, automatic sprinkler system supplied by well water, fresh exterior paint, seamless gutters, whole-house water filtration system, water softener, and newer water heater. These thoughtful upgrades provide lasting value, comfort, and confidence during Florida’s storm season. Perfectly located just minutes from the Gulf beaches and outside the flood zone at approximately 60 feet above sea level, this home offers coastal convenience with added peace of mind. Enjoy easy access to downtown St. Petersburg, Tampa, Clearwater, and Sarasota, creating the perfect balance of beachside living and city convenience. Inside, the bright and inviting floor plan blends comfort and function. The open kitchen features warm wood cabinetry, quartz countertops, a large farmhouse sink, stainless steel appliances, and expansive windows overlooking the pool and lanai. Tubular skylights bring in natural light, while the cozy wood-burning fireplace creates a welcoming gathering space. A noteworthy feature is the spacious guest suite with a private entrance and kitchenette, offering endless possibilities as an in-law suite, private guest accommodations, teen retreat, home office, or potential income-producing space—a rare and valuable feature in a home of this size. The tranquil koi pond adds a unique backyard element and can be enjoyed your way. The sellers are happy to provide a simple orientation on care and maintenance, recommend local pond service professionals, or remove the fish prior to closing if the new owners prefer to convert the space into a landscaped planter or garden feature. Whether you're searching for a full-time residence, seasonal getaway, or investment opportunity, this exceptional property offers the rare combination of resort-style outdoor living, flexible accommodations, extensive upgrades, and an unbeatable location.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,418
Sqft
0.3 ac
Lot size
2
Garage
1979
Year built
One
Levels
$355
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.
$5,724 /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
$5,724/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
+15.2%
$/sqft vs Seminole actives
$355 vs $252
Days on market
22 vs 44 typical
Where $355/sqft sits among the 301 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 Urban Lake Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Urban Lake Estates — neighborhood snapshot
Population
419
Median age
50
Median income
$102,321
Median home value
$450,000
Avg household
3
Households w/ children
38%
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)
164 of 301
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 72% above the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 13650 96TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$580,000
13623 97TH TERRACE · same community
5 bd · 2 ba · 2,138 sqft · $271/sqft · 4 DOM
Sold · Jun ’26$600,000
9760 136TH STREET · same community
3 bd · 2 ba · 2,055 sqft · $292/sqft · 3 DOM
Sold · Aug ’25$450,000
9715 136TH STREET · same community
2 bd · 2 ba · 1,590 sqft · $283/sqft · 4 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 13650 96TH TERRACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13650 96TH TERRACE — 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
13650 96TH TERRACE FAQs
What would the monthly payment be for 13650 96TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,724/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 13650 96TH TERRACE?+
The most recent tax bill on record (2025) was $7,283. 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 $859,000, this home is listed about 109% above the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 13650 96TH TERRACE?+
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
01Positioned at the premium end
$859,000 runs 72% above the SEMINOLE 33776 median — but at 2,418 sqft it's also 59% 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
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.
04The price has already moved
Listed at $884,000, now $859,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXPERTS · Katlin Slatcher. MLS #TB8525140.
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.
Never miss a listing
New Seminole homes, in your inbox
Like 13650 96TH TERRACE but not quite? A daily digest of every new listing in Seminole — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


