112 ELMWOOD CIRCLE UNIT 112, SEMINOLE, FL, 33777
Active18 days on marketListed Sep 2, 2026MLS #TB8543269
About this home
112 ELMWOOD CIRCLE UNIT 112
Need more space without giving up style or location? This beautifully remodeled 55+ condo has it all! Located in desirable The Gardens Condominiums, this ground-floor corner unit offers 3 bedrooms—or 2 bedrooms plus a den and a Florida room —giving you exceptional flexibility for guests, an office, hobbies, or entertaining. Set on 4 acres of peaceful, tree-shaded grounds next to Lake Seminole Park, The Gardens is a pet-friendly 55+ community that feels tucked away while remaining close to shopping, restaurants, medical facilities, and Gulf beaches. Inside, you’ll find a light and bright home that has been extensively remodeled within the past five years. The kitchen was taken down to the studs and completely rebuilt with an island kitchen open to the living area, abundant cabinetry and drawers, granite/quartz countertops, and generous workspace. Updates include 10 new hurricane-rated windows, vinyl plank flooring, 6-panel doors, an updated electrical panel, stackable washer/dryer, and beautifully updated bathrooms. The hall bath also features a new shower. The spacious primary suite offers both a full-size built-in closet and a walk-in closet, while clever dual closets near the kitchen provide convenient access to the laundry and water heater. Step outside and enjoy the heated/cooled pool just beyond your back door, surrounded by lush landscaping. The den and Florida rooms overlook the pool, while the bedrooms extend views toward the Seminole Bypass Canal. Two covered carports are conveniently located right outside your front door. With its flexible floor plan, extensive updates, abundant natural light, peaceful setting, and unbeatable Seminole location, this is a home you’ll want to see. Perfect for full-time Florida living or a winter getaway—discover why The Gardens is one of Seminole’s best-kept secrets!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,635
Sqft
4 ac
Lot size
1974
Year built
One
Levels
$140
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.
$1,800 /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
$1,800/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
−1.8%
$/sqft vs GARDENS THE CONDO
$140 vs $153
Days on market
18 vs 45 typical
Where $140/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)
5 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 12% below the SEMINOLE 33777 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 112 ELMWOOD CIRCLE UNIT 112
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$255,000
108 DOGWOOD CIRCLE · same community
3 bd · 2 ba · 1,635 sqft · $156/sqft · 8 DOM
Sold · May ’26$168,000
116 DOGWOOD CIRCLE UNIT 116 · same community
3 bd · 2 ba · 1,605 sqft · $105/sqft · 49 DOM
Sold · Jun ’26$132,000
224 ASPEN CIRCLE UNIT 224 · same community
3 bd · 2 ba · 1,560 sqft · $85/sqft · 331 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 112 ELMWOOD CIRCLE UNIT 112 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 112 ELMWOOD CIRCLE UNIT 112 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
112 ELMWOOD CIRCLE UNIT 112 FAQs
What would the monthly payment be for 112 ELMWOOD CIRCLE UNIT 112?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,800/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 112 ELMWOOD CIRCLE UNIT 112?+
The most recent tax bill on record (2025) was $2,299. 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 112 ELMWOOD CIRCLE UNIT 112?+
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 $228,900, this home is listed about 41% below the Seminole median of $387,000. The market section on this page shows how the area is trending.
Which schools are assigned to 112 ELMWOOD CIRCLE UNIT 112?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PINELLAS REALTY GROUP INC · Temme Peterson. MLS #TB8543269.
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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