
14865 SEMINOLE TRAIL, SEMINOLE, FL, 33776
Active32 days on marketListed Sep 8, 2026MLS #TB8546280
About this home
14865 SEMINOLE TRAIL
Coastal luxury meets effortless Florida living in this beautifully updated waterfront townhome, ideally located just 2 miles from the beach in the desirable Tara Cay North community. Offering approximately 2,228 square feet of thoughtfully designed living space across three levels, this exceptional 3-bedroom, 4-bath residence combines sophisticated updates, expansive living areas, and serene Intracoastal views. From the moment you enter, the home welcomes you with an abundance of natural light and an inviting sense of space. The main living level features an open-concept design with a spacious living and dining area and a beautifully updated kitchen appointed with shaker-style cabinetry, dark stainless-steel appliances, an oversized breakfast bar, and additional cabinetry for exceptional storage. A bedroom and full bath complete this level, providing a comfortable and private space for family or guests. The upper level is dedicated to two luxurious primary suites, each offering a private retreat with generous sitting areas and en-suite bathrooms. The larger primary suite features vaulted ceilings and two walk-in closets, creating an especially spacious and relaxing retreat. The conveniently located upper-level laundry area adds everyday ease and functionality. The ground level offers an impressive and highly versatile bonus space with a full bathroom, closet, and wet bar. Perfectly suited for a fourth bedroom, private guest quarters, second living area, home office, fitness studio, or entertainment space, this level provides endless possibilities. Step outside and embrace the best of waterfront living. A private first-floor patio and second-floor screened balcony provide multiple spaces for morning coffee, sunset cocktails, or quiet relaxation overlooking the peaceful mangroves and Intracoastal waters. The private hot tub creates an inviting outdoor retreat, while the dock just steps from the patio offers direct water access for boating, kayaking, fishing, or simply enjoying the coastal surroundings. The oversized one-car garage adds exceptional convenience with an EV charging station, built-in cabinetry, and abundant storage. Tara Cay North is a well-maintained, pet-friendly community offering a refreshing pool, boat ramp, and low HOA fees. With its refined interior, flexible three-level floor plan, private dock, tranquil waterfront setting, and exceptional proximity to the Gulf beaches, this is Florida coastal living at its finest.
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
2,228
Sqft
0.03 ac
Lot size
1
Garage
1998
Year built
Three Or More
Levels
$213
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.
$4,156 /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
$4,156/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
+1.5%
$/sqft vs Seminole actives
$213 vs $257
Days on market
32 vs 54 typical
Where $213/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 Tara Cay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Tara Cay — neighborhood snapshot
Population
632
Median age
60
Median income
$87,375
Median home value
$433,200
Avg household
2
Households w/ children
32%
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 5% below the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 14865 SEMINOLE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$375,000
14692 SEMINOLE TRAIL · same community
4 bd · 4 ba · 2,228 sqft · $168/sqft · 184 DOM
Sold · May ’26$506,000
14891 SEMINOLE TRAIL UNIT 133 · same community
3 bd · 4 ba · 2,228 sqft · $227/sqft · 14 DOM
Sold · Aug ’26$373,500
14825 SEMINOLE TRAIL · same community
3 bd · 4 ba · 2,174 sqft · $172/sqft · 42 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 14865 SEMINOLE TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14865 SEMINOLE TRAIL — 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
14865 SEMINOLE TRAIL FAQs
What would the monthly payment be for 14865 SEMINOLE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,156/mo — principal and interest, the actual property-tax bill, the $403/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 14865 SEMINOLE TRAIL?+
The association fee works out to $403 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14865 SEMINOLE TRAIL?+
The most recent tax bill on record (2025) was $7,034. 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 14865 SEMINOLE TRAIL?+
The listing reports pets: 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 $475,000, this home is listed about 31% above the Seminole median of $362,500. The market section on this page shows how the area is trending.
Which schools are assigned to 14865 SEMINOLE TRAIL?+
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
$475,000 is 5% below the SEMINOLE 33776 median of $499,450, and at $213/sqft it sits under the Seminole average of $254.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 $485,000, now $475,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS GULF BEACHES · Jason Hayes. MLS #TB8546280.
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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