9036 109TH TERRACE, SEMINOLE, FL, 33777
Pending12 days on marketListed Jul 16, 2026MLS #TB8529445
About this home
9036 109TH TERRACE
Move-in ready 3-bedroom, 1-bathroom block home in desirable unincorporated Seminole with no HOA, no deed restrictions, and no rental restrictions-ideal for owner-occupants, Airbnb, short-term or long-term rentals. Plenty of driveway parking accommodates your boat, RV, or trailer. Major updates include a brand-new roof (2026) with a transferable warranty, a brand-new HVAC(2026), hickory luxury vinyl plank flooring throughout, new baseboards, fresh knockdown texture, fresh interior and exterior paint, new interior doors and newer windows. The home also features a spacious living area, an oversized one-car garage, an enclosed lanai, a front patio, a fully fenced backyard, and a storage shed. Conveniently located between Bryan Dairy Rd. and Starkey Rd., just minutes from shopping, dining, parks, top-rated schools, and the Gulf beaches. A great opportunity for a primary residence, vacation home, or investment property. Enjoy the benefits of very low property taxes, affordable homeowners insurance, and peace of mind knowing the home has never flooded.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
964
Sqft
0.14 ac
Lot size
1
Garage
1978
Year built
One
Levels
$327
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.
$2,228 /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
$2,228/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
−1.3%
$/sqft vs Seminole actives
$327 vs $252
Days on market
12 vs 44 typical
Where $327/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 Starkey Heights
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Starkey Heights — neighborhood snapshot
Population
607
Median age
54
Median income
$83,182
Median home value
$362,400
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)
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 14% above the SEMINOLE 33777 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 9036 109TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$375,000
8897 OSPREY LANE
3 bd · 1 ba · 962 sqft · $390/sqft · 137 DOM
Sold · Nov ’25$310,000
9322 88TH WAY
3 bd · 1 ba · 960 sqft · $323/sqft · 36 DOM
Sold · Feb ’26$385,000
8854 85TH STREET
3 bd · 2 ba · 952 sqft · $404/sqft · 42 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 9036 109TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9036 109TH 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
9036 109TH TERRACE FAQs
What would the monthly payment be for 9036 109TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,228/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 9036 109TH TERRACE?+
The most recent tax bill on record (2025) was $889. 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 $315,000, this home is listed about 23% below the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 9036 109TH TERRACE?+
Osceola Middle School (middle), Starkey Elementary School (elementary), Pinellas Park High School (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
$315,000 runs 14% above the SEMINOLE 33777 median.
02Strong assigned schools
Osceola Middle School, Starkey Elementary School, Pinellas Park High School — Starkey Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $330,000, now $315,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Chandler Hallwood. MLS #TB8529445.
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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