12957 90TH TERRACE, SEMINOLE, FL, 33776
Pending190 days on marketListed Jan 30, 2026MLS #TB8470885
About this home
12957 90TH TERRACE
Location, Location, Location. Zoned for all Seminole Schools (Bauder, Seminole Middle and Seminole High). A unique feature of this home is 2 Primary suites with updated baths. The 3rd bath and 3rd bedroom have a pocket door for privacy. As you enter the home there is a large living room, dining room, family room (currently used for a formal dining room) plus a bonus room/home office area over looking the new in 2019 pool with beautiful pavers, covered lanai (2020) and lush landscaping. The updated kitchen features wood cabinets, quartz counter tops (2022) and SS appliances. The laundry room is huge and has built in cabinets for storage. Custom features are crown molding, large baseboards, updated Windows and sliders (2015), many ceiling fans. Great curb appeal. Walking distance to Seminole Schools. Pinellas County says it's in a non-evacuation zone. Shed for extra storage, Water heater replaced 2022, Main roof replaced 2019, flat roof 2017, Central Vacuum system (as-is) plus new vinyl fence in 2024.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,808
Sqft
0.19 ac
Lot size
2
Garage
1974
Year built
One
Levels
$348
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.
$4,160 /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
$4,160/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
−16.1%
Days on market
190 vs 43 typical
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 Oakhurst Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Oakhurst Acres — neighborhood snapshot
Population
365
Median age
53
Median income
$117,885
Median home value
$475,700
Avg household
2
Households w/ children
28%
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
$405K → $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 26% above the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12957 90TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12957 90TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12957 90TH TERRACE FAQs
What would the monthly payment be for 12957 90TH TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,160/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 12957 90TH TERRACE?+
The most recent tax bill on record (2024) was $4,374. 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 $630,000, this home is listed about 63% above the Seminole median of $387,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12957 90TH TERRACE?+
Seminole Middle School (middle), Bauder Elementary School (elementary), 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
Five things that matter here
01Positioned at the premium end
$630,000 runs 26% above the SEMINOLE 33776 median — but at 1,808 sqft it's also 28% 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.
03Time on market is leverage
190 days on market against a Seminole median of 43 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Seminole Middle School, Bauder Elementary School, Richard O Jacobson Technical High School At Seminole — Bauder Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $650,000, now $630,000 — a $20K cut. The full history is in the market section below.
Listing courtesy of FUTURE HOME REALTY INC · Janet Diamond PA. MLS #TB8470885.
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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