
12120 81ST AVENUE, SEMINOLE, FL, 33772
Active8 days on marketListed Oct 2, 2026MLS #TB8554073
About this home
12120 81ST AVENUE
The perfect balance of space, comfort, and Florida living, all in the heart of Seminole! This 3-bedroom, 2-bathroom home offers over 1,800 square feet of living space, an open floor plan designed for gathering, and an inviting backyard that makes entertaining just as enjoyable outdoors as it is inside.As you enter, you're greeted by an open kitchen, living, and dining area that creates a comfortable space for everyday living. The kitchen features shaker-style cabinetry, granite countertops, stainless steel appliances, and an oversized island that provides plenty of room for meal preparation, cooking together, and gathering. Matching cabinetry and granite countertops can also be found in both bathrooms. Tile flooring in the kitchen and wet areas, along with laminate flooring in the bedrooms and bonus room, offers a practical combination of style and functionality. The split floor plan provides added privacy, with the primary suite featuring double sinks, a glass-enclosed walk-in shower, and a custom closet system designed to maximize storage. Two additional bedrooms are located on the opposite side of the home, near the second bathroom, which offers a tub and generous counter space. An oversized bonus room leads to the outdoor patio and provides plenty of flexibility for a second living area, home office, or whatever suits your needs. Step outside to a backyard that's truly an extension of the home, complete with a pole barn, entertaining area, and space to grill, garden, or simply unwind. A Wally Watt shed provides additional storage for tools, outdoor equipment, and more. Additional features include energy-efficient windows, a tile roof (2013), a single-car garage, and an oversized driveway for extra parking. Located in NON Flood Zone, NO HOA, with easy access to the Gulf beaches and highly regarded Pinellas County schools, this home offers a great combination of space, convenience, and Florida living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,827
Sqft
0.16 ac
Lot size
1
Garage
1963
Year built
One
Levels
$274
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.
$3,625 /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
$3,625/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
+21.9%
$/sqft vs RIDGEWOOD GROVES
$274 vs $270
Days on market
8 vs 54 typical
Where $274/sqft sits among the 6 homes for sale in RIDGEWOOD GROVES
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 Ridgewood Groves
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Ridgewood Groves — neighborhood snapshot
Population
1,277
Median age
44
Median income
$79,749
Median home value
$327,897
Avg household
3
Households w/ children
124
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 6
RIDGEWOOD GROVES have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 147% above the SEMINOLE 33772 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 12120 81ST AVENUE
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$450,000
11326 81ST PLACE · same community
2 bd · 2 ba · 1,761 sqft · $256/sqft · 11 DOM
Sold · Jan ’26$612,250
8591 FORSYTH DRIVE · same community
3 bd · 2.5 ba · 1,965 sqft · $312/sqft · 109 DOM
Sold · Aug ’26$414,000
11670 81ST PLACE · same community
2 bd · 2 ba · 2,014 sqft · $206/sqft · 89 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 12120 81ST AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12120 81ST AVENUE — 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
12120 81ST AVENUE FAQs
What would the monthly payment be for 12120 81ST AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,625/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 12120 81ST AVENUE?+
The most recent tax bill on record (2025) was $3,600. 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 $500,000, this home is listed about 38% above the Seminole median of $362,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12120 81ST AVENUE?+
Seminole Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high), Osceola Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Megan Weidenfeller. MLS #TB8554073.
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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