8181 98TH STREET, SEMINOLE, FL, 33777
Active841 days on marketListed Apr 12, 2024MLS #U8238664
About this home
8181 98TH STREET
Create your luxury estate on the most lush and private land left in Pinellas County. Consider a 125' x 636' lot of this size and serenity with city utilities and amenities in a cozy neighborhood as the ultimate treasure hunter's find. Located across from 258-acre Lake Seminole Park with 3 schools in walking distance and downtown St. Petersburg and the Gulf beaches just minutes away, this lot extends the love of nature and is prime for curated development. Developers may also rezone for higher density builds or create cash flow from already approved light commercial applications, upscale short term rentals, creative modern group living.
Facts & features
The home at a glance
1.82 ac
Lot size
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.
$9,572 /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
$9,572/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.
Where it sits
Inside Seminole
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
SEMINOLE 33777 — neighborhood snapshot
Population
18,276
Median age
46.7
Median income
$88,680
Median home value
$298,500
Avg household
2.48
Households w/ children
1,641
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)
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 405% above the SEMINOLE 33777 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 8181 98TH STREET
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$165,000
4829 163RD AVENUE N · same community
2 bd · 1 ba · 900 sqft · $183/sqft · 4 DOM
Sold · Apr ’26$159,000
4835 164TH AVENUE N · same community
2 bd · 1 ba · 912 sqft · $174/sqft · 5 DOM
Sold · Oct ’25$775,000
9222 134TH STREET · same community
3 bd · 3.5 ba · 1,848 sqft · $419/sqft · 10 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 8181 98TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8181 98TH 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
8181 98TH STREET FAQs
What would the monthly payment be for 8181 98TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,572/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 8181 98TH STREET?+
The most recent tax bill on record (2023) was $16,344. 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 $1,395,000, this home is listed about 239% above the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 8181 98TH STREET?+
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
Four things that matter here
01Positioned at the premium end
$1,395,000 runs 405% above the SEMINOLE 33777 median.
02Time on market is leverage
841 days on market against a Seminole median of 44 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $1,500,000, now $1,395,000 — a $105K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JACK KELLER INC · John Keller. MLS #U8238664.
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 8181 98TH STREET 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 →