8648 78TH PLACE, SEMINOLE, FL, 33777
Active2 days on marketListed Oct 8, 2026MLS #TB8548587
About this home
8648 78TH PLACE
Welcome to a fully updated 3-bedroom, 2-bath gem in the heart of Seminole — where every major system and finish has already been done for you. New roof, new AC, majority new windows, new electrical panel, new tile flooring throughout, and a completely renovated kitchen with new appliances — all completed in 2024. This isn't a home with a few updates; it's a home that's essentially new from the studs out. Just as important: this property sits in a non-flood zone — real peace of mind in today's Florida market, without the insurance headaches or flood-zone premiums that come with so many nearby listings. It also sits in an unincorporated area of Pinellas County for those investors looking for short term rentals! Inside, you'll find a bright, open living space flowing into a beautifully renovated kitchen — perfect for everyday living or entertaining. The spacious, fully fenced backyard offers privacy and room to relax, garden, or host and the home features an attached garage (with brand-new garage door). Location seals the deal: you're just 13 minutes from some of the best beaches in the world and 30 minutes from Tampa International Airport, with easy access to parks, restaurants, shopping, and everything Seminole and the surrounding Tampa Bay area have to offer. Homes that are truly move-in ready — with nothing left to update — don't come around often in this price range. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,400
Sqft
0.14 ac
Lot size
1
Garage
1962
Year built
One
Levels
$286
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.
$3,000 /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
$3,000/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
+8.4%
$/sqft vs Seminole actives
$286 vs $251
Days on market
2 vs 54 typical
Where $286/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 Lakeside Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Lakeside Gardens — neighborhood snapshot
Population
292
Median age
56
Median income
$54,141
Median home value
$243,800
Avg household
2
Households w/ children
17%
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)
174 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 45% above the SEMINOLE 33777 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 8648 78TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$345,000
8673 78TH PLACE · same community
3 bd · 1 ba · 1,006 sqft · $343/sqft · 17 DOM
Sold · Dec ’25$405,000
2032 ELKINS POINT DRIVE · same community
4 bd · 3.5 ba · 2,773 sqft · $146/sqft · 115 DOM
Sold · Feb ’26$230,000
8186 TERRACE GARDEN DRIVE N UNIT 307
2 bd · 2 ba · 1,435 sqft · $160/sqft · 16 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 8648 78TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8648 78TH PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8648 78TH PLACE FAQs
What would the monthly payment be for 8648 78TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,000/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 8648 78TH PLACE?+
The most recent tax bill on record (2024) was $3,700. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Seminole?+
At $399,999, this home is listed about 10% above the Seminole median of $362,500. The market section on this page shows how the area is trending.
Which schools are assigned to 8648 78TH PLACE?+
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
Three things that matter here
01Positioned at the premium end
$399,999 runs 45% above the SEMINOLE 33777 median.
02Fresh on the market
Only 2 days on market in a Seminole market that averages 54 — if it fits, move quickly.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN DWELLINGS · Nicholas Valeriano. MLS #TB8548587.
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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