8039 GARDEN DRIVE UNIT 109, SEMINOLE, FL, 33777
Active104 days on marketListed Jun 8, 2026MLS #TB8516534
About this home
8039 GARDEN DRIVE UNIT 109
Back on the market and reduced! Sellers have already moved out and are very motivated! Welcome home to this beautifully updated ground-floor condo in The Gardens! Renovated throughout, this move-in-ready residence features newer flooring, an updated kitchen and bathrooms, full-size stackable washer and dryer, six-panel interior doors, impact-resistant windows, and an impact sliding glass door. From the primary bedroom, step outside to a fully screened and covered patio, plus an adjacent open brick-paver sitting area that's perfect for enjoying the Florida sunshine. Located in the all-ages association of Glenwood Circle in The Gardens, this pet-friendly association welcomes up to two pets and offers a relaxed lifestyle in a desirable Seminole location. Adjacent to Lake Seminole Park and just minutes from shopping, restaurants, and Gulf beaches, this condo is ideal as a full-time residence, seasonal retreat, or investment opportunity although you must own for a year prior to renting. Enjoy comfort, convenience, and a location that puts the best of Florida living right at your doorstep.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
880
Sqft
0.9 ac
Lot size
1977
Year built
One
Levels
$193
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.
$1,318 /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
$1,318/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
+20.1%
$/sqft vs GARDENS THE CONDO
$193 vs $153
Days on market
104 vs 45 typical
Where $193/sqft sits among the 8 homes for sale in GARDENS THE CONDO
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 The Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
The Gardens — neighborhood snapshot
Population
884
Median age
56
Median income
$72,279
Median home value
$220,772
Avg household
2
Households w/ children
90%
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)
4 of 8
GARDENS THE CONDO have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 35% below the SEMINOLE 33777 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 8039 GARDEN DRIVE UNIT 109
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$73,400
115 ASPEN CIRCLE UNIT 115 · same community
1 bd · 1 ba · 955 sqft · $77/sqft · 60 DOM
Sold · Aug ’26$139,000
115 ELMWOOD CIRCLE UNIT 115 · same community
1 bd · 1 ba · 955 sqft · $146/sqft · 21 DOM
Sold · Jun ’26$141,900
203 ASPEN CIRCLE UNIT 203 · same community
1 bd · 1 ba · 960 sqft · $148/sqft · 3 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 8039 GARDEN DRIVE UNIT 109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8039 GARDEN DRIVE UNIT 109 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8039 GARDEN DRIVE UNIT 109 FAQs
What would the monthly payment be for 8039 GARDEN DRIVE UNIT 109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,318/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 8039 GARDEN DRIVE UNIT 109?+
The most recent tax bill on record (2025) was $991. 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 8039 GARDEN DRIVE UNIT 109?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $169,900, this home is listed about 56% below the Seminole median of $387,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8039 GARDEN DRIVE UNIT 109?+
Starkey Elementary School (elementary), Osceola Middle School (middle), Dixie M. Hollins High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the SEMINOLE 33777 market on paper
$169,900 is 35% below the SEMINOLE 33777 median of $260,000, and at $193/sqft it sits under the Seminole average of $259.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
104 days on market against a Seminole median of 45 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Starkey Elementary School, Osceola Middle School, Dixie M. Hollins High School — Starkey Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $174,900, now $169,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PINELLAS REALTY GROUP INC · Temme Peterson. MLS #TB8516534.
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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