9490 HARBOR GREENS WAY UNIT 306, SEMINOLE, FL, 33776
Active11 days on marketListed Sep 9, 2026MLS #TB8546838
About this home
9490 HARBOR GREENS WAY UNIT 306
Welcome to this beautifully updated 2-bedroom, 2-bathroom third-floor condo in the desirable Harbor Greens community of Seminole. Offering the convenience of elevator access, this spacious unit features an open floor plan with abundant natural light and a comfortable flow between the living, dining, and kitchen areas. The updated kitchen offers plenty of cabinetry and counter space, making it ideal for everyday living and entertaining. Washer and Dryer located in the unit. The spacious primary suite features a private bath and a generous walk-in closet, while the split-bedroom layout provides privacy for guests or family members. Additional highlights include newer air conditioning, ample storage, covered parking, and a private screened balcony to enjoy the peaceful surroundings of the nature preserve. Residents of Harbor Greens enjoy a community pool and well-maintained grounds in a convenient Seminole location, just minutes from shopping, restaurants, parks, and the Gulf beaches. This move-in-ready 55+ condo combines comfort, convenience, and Florida living in a desirable elevator-access building. Don't miss the opportunity to make this wonderful Seminole condo your new home!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,200
Sqft
0 ac
Lot size
1981
Year built
One
Levels
$175
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.
$2,404 /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
$2,404/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
−46%
$/sqft vs Seminole actives
$175 vs $253
Days on market
11 vs 45 typical
Where $175/sqft sits among the 308 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 Harbor Greens At Yacht Club Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Harbor Greens At Yacht Club Estates — neighborhood snapshot
Population
409
Median age
64
Median income
$61,818
Median home value
$344,700
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)
162 of 308
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% below the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 9490 HARBOR GREENS WAY UNIT 306
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$185,000
9450 HARBOR GREENS WAY UNIT 503 · same community
2 bd · 2 ba · 1,200 sqft · $154/sqft · 172 DOM
Sold · Sep ’25$210,000
9490 HARBOR GREENS WAY UNIT 303 · same community
2 bd · 2 ba · 1,200 sqft · $175/sqft · 17 DOM
Sold · Sep ’25$220,000
9490 HARBOR GREENS WAY UNIT 205 · same community
2 bd · 2 ba · 1,200 sqft · $183/sqft · 450 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 9490 HARBOR GREENS WAY UNIT 306 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9490 HARBOR GREENS WAY UNIT 306 — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9490 HARBOR GREENS WAY UNIT 306 FAQs
What would the monthly payment be for 9490 HARBOR GREENS WAY UNIT 306?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,404/mo — principal and interest, the actual property-tax bill, the $700/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 9490 HARBOR GREENS WAY UNIT 306?+
The association fee works out to $700 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9490 HARBOR GREENS WAY UNIT 306?+
The most recent tax bill on record (2025) was $2,574. 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 9490 HARBOR GREENS WAY UNIT 306?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $210,000, this home is listed about 46% below the Seminole median of $387,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9490 HARBOR GREENS WAY UNIT 306?+
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
Three things that matter here
01Under the SEMINOLE 33776 market on paper
$210,000 is 57% below the SEMINOLE 33776 median of $485,000, and at $175/sqft it sits under the Seminole average of $259.
02Know the monthly fee
The association fee is $700/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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.
Keep looking
Similar homes nearby
Listing courtesy of LUXURY & BEACH REALTY INC · Dani Zarzycki. MLS #TB8546838.
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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