14521 CATALINA CIRCLE, SEMINOLE, FL, 33776
Active146 days on marketListed May 17, 2026MLS #TB8509532
About this home
14521 CATALINA CIRCLE
Virtually Staged. RARE DOUBLE OUTDOOR LIVING! Discover the ultimate coastal lifestyle in this turnkey, MOVE-IN READY corner/end unit townhome. Enjoy absolute financial peace of mind with ALL MAJOR SYSTEMS UPDATED: FULL ROOF (June 2024), WINDOWS & DOORS (2021), AC (2021), and WATER HEATER (2019). Inside, the OPEN CONCEPT layout boasts continuous coastal vinyl plank floors and a newly modernized WOOD-BURNING FIREPLACE with stacked-stone and shiplap accents. Entertain effortlessly in the REDESIGNED CHEF’S KITCHEN, featuring a massive 70x70 CUSTOM QUARTZ ISLAND (seats 10!), solid wood shaker cabinets, and NEW APPLIANCES (2021). What truly sets this home apart are the TWO DEDICATED OUTDOOR SPACES: a private, fenced ground-level screened patio AND a newly installed exclusive ELEVATED SECOND-STORY DECK featuring sleek dark-framed sliders and a NEW TOP AWNING (2025) for all-weather lounging. Upstairs features two spacious bedrooms with dual closets and beautifully UPDATED BATHROOMS with highly durable Miracle Method surfaces. Enjoy unmatched privacy with NO UPSTAIRS NEIGHBORS and an incredibly low $360/month HOA that covers water, sewer, trash, exterior maintenance, reserves, and insurance! Access RESORT-STYLE AMENITIES including a heated/chilled pool, tennis, and pickleball. Skip the expensive dock fees—walk directly to the community seawall and launch your kayak or paddleboard into the INTRACOASTAL WATERWAY!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,564
Sqft
0.1 ac
Lot size
1980
Year built
Two
Levels
$201
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 and the real association fee — not generic estimates.
$2,810 /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
$2,810/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
−11.4%
$/sqft vs Seminole actives
$201 vs $251
Days on market
146 vs 54 typical
Where $201/sqft sits among the 326 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 Clearwater Cove
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Clearwater Cove — neighborhood snapshot
Population
78
Median age
60
Median income
$87,375
Median home value
$433,200
Avg household
2
Households w/ children
6%
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 → $450K
Seminole median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
173 of 326
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 14521 CATALINA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$380,000
9386 TRADEWINDS AVENUE · same community
2 bd · 2 ba · 1,440 sqft · $264/sqft · 57 DOM
Sold · Sep ’26$426,500
9476 TRADEWINDS AVENUE UNIT 9476 · same community
3 bd · 2.5 ba · 1,839 sqft · $232/sqft · 81 DOM
Sold · Jun ’26$727,000
7587 132ND WAY
3 bd · 2 ba · 1,584 sqft · $459/sqft · 6 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 14521 CATALINA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14521 CATALINA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14521 CATALINA CIRCLE FAQs
What would the monthly payment be for 14521 CATALINA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,810/mo — principal and interest, the actual property-tax bill, the $360/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 14521 CATALINA CIRCLE?+
The association fee works out to $360 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14521 CATALINA CIRCLE?+
The most recent tax bill on record (2025) was $3,550. 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 14521 CATALINA CIRCLE?+
The listing reports pets: Size Limit, 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 $315,000, this home is listed about 13% below the Seminole median of $362,500. The market section on this page shows how the area is trending.
Which schools are assigned to 14521 CATALINA CIRCLE?+
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
01Under the SEMINOLE 33776 market on paper
$315,000 is 37% below the SEMINOLE 33776 median of $499,450, and at $201/sqft it sits under the Seminole average of $254.
02Time on market is leverage
146 days on market against a Seminole median of 54 — sellers in this position are usually ready to negotiate.
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 $325,000, now $315,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Roxanne Mestre. MLS #TB8509532.
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 14521 CATALINA CIRCLE 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 Colleen to ping you on any price or status change →