95TH AVENUE N, SEMINOLE, FL, 33776
Active12 days on marketListed Sep 29, 2026MLS #TB8552068
About this home
95TH AVENUE N
Presenting a rare waterfront development opportunity in unincorporated Seminole. This 0.38-acre lot features approximately 170 feet of newly repaired seawall, and a private boat ramp with direct access to the Intracoastal Waterway and the Gulf of Mexico. The property is zoned RPD 7.5 (7.5 units per acre). Per the county, it is currently approved for one residential unit and may support up to three with a new Development Master Plan. Possible configurations include a single-family home, duplex, or triplex townhome community on one parcel. The lot is currently used for boat and trailer storage, offering the potential to generate income immediately. Undeveloped waterfront lots with direct water access are increasingly scarce in Seminole. With a private boat ramp, approximately 170 feet of newly repaired seawall, and flexible zoning this property offers a combination of water access and development potential that is difficult to find in the area.
Facts & features
The home at a glance
0.38 ac
Lot size
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.
$3,706 /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
$3,706/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.
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)
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% above the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 95TH AVENUE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$615,000
18650 GULF BOULEVARD UNIT 203
2 bd · 2 ba · 990 sqft · $621/sqft · 480 DOM
Sold · Jun ’26$670,000
18650 GULF BOULEVARD UNIT 601
2 bd · 2 ba · 1,140 sqft · $588/sqft · 361 DOM
Sold · Jul ’26$650,000
19010 GULF BOULEVARD UNIT 101
2 bd · 2 ba · 1,160 sqft · $560/sqft · 84 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 95TH AVENUE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 95TH AVENUE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
95TH AVENUE N FAQs
What would the monthly payment be for 95TH AVENUE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,706/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 95TH AVENUE N?+
The most recent tax bill on record (2025) was $855. 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 $549,000, this home is listed about 51% above the Seminole median of $362,500. The market section on this page shows how the area is trending.
Which schools are assigned to 95TH AVENUE N?+
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
01Positioned at the premium end
$549,000 runs 10% above the SEMINOLE 33776 median.
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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Kerryn Ellson. MLS #TB8552068.
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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