10862 102ND AVENUE, SEMINOLE, FL, 33778
Active8 days on marketListed Oct 15, 2026MLS #TB8556373
About this home
10862 102ND AVENUE
Virtually Staged. SPACE, CHARACTER, AND FLEXIBILITY JUST A SHORT DRIVE FROM THE BEAUTIFUL GULF BEACHES! Welcome to this 3-bedroom, 1-bath home in the established Golden Groves neighborhood, offering 1,335 square feet of heated living space and 2,007 total square feet. With a versatile layout, multiple living areas, and inviting outdoor spaces, this home is designed for comfortable everyday living and easy Florida entertaining. Inside, the spacious living room features tile flooring, abundant natural light, and plenty of room to create a welcoming gathering space. The kitchen includes a convenient breakfast bar that opens to the dining area, providing a seamless flow for casual meals, entertaining, and daily routines. A raised bonus area adds valuable flexibility and can be tailored to suit your lifestyle as a home office, reading nook, playroom, hobby area, or private retreat. The split-bedroom layout offers added privacy and versatility. The third bedroom is located in the converted garage just beyond the interior laundry area, providing a separate and flexible space for guests, a home office, creative space, or anyone seeking a little separation from the main living areas. The original garage door remains in place, and a small storage area behind the converted bedroom offers convenient room for seasonal items, household supplies, or additional storage needs. Step outside and enjoy the best of Florida living. Mature landscaping and fruit trees add beauty and character to the backyard, while the screened-in patio creates a comfortable setting for morning coffee, afternoon relaxation, or casual gatherings protected from the elements. A storage shed provides convenient space for tools, lawn equipment, and outdoor essentials. The covered front porch offers another inviting spot to unwind and enjoy the established surroundings. Thoughtfully maintained and offering room to add your own personal touches, this home is ready for its next chapter. Conveniently located near Seminole City Center, shopping, restaurants, parks, and the beautiful Gulf beaches, this property combines neighborhood charm with easy access to the amenities and outdoor attractions that make the Florida lifestyle so appealing. If you’re looking for a home with personality, adaptable living spaces, a backyard designed for enjoying the outdoors, priced to sell and make your own this property is well worth a closer look. Schedule your private showing today and discover all it has to offer!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,335
Sqft
0.19 ac
Lot size
1955
Year built
Multi/Split
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 — not generic estimates.
$2,399 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,399/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−8.1%
$/sqft vs Seminole actives
$213 vs $253
Days on market
8 vs 52 typical
Where $213/sqft sits among the 355 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 Golden Groves
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Golden Groves — neighborhood snapshot
Population
314
Median age
50
Median income
$78,178
Median home value
$286,187
Avg household
3
Households w/ children
20%
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)
191 of 355
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 69% above the SEMINOLE 33778 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 10862 102ND AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$357,000
8272 DENISE DRIVE E
3 bd · 2 ba · 1,339 sqft · $267/sqft · 7 DOM
Sold · May ’26$415,000
11525 81ST PLACE
3 bd · 2 ba · 1,320 sqft · $314/sqft · 14 DOM
Sold · Nov ’25$465,000
8318 118TH STREET
3 bd · 2 ba · 1,352 sqft · $344/sqft · 26 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 10862 102ND AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10862 102ND AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10862 102ND AVENUE FAQs
What would the monthly payment be for 10862 102ND AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,399/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 10862 102ND AVENUE?+
The most recent tax bill on record (2025) was $1,879. 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 10862 102ND AVENUE?+
The listing reports pets: 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 $285,000, this home is listed about 23% below the Seminole median of $369,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10862 102ND AVENUE?+
Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high), Seminole Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ELITE REALTY · Jess Carrigg. MLS #TB8556373.
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.
Never miss a listing
New Seminole homes, in your inbox
Like 10862 102ND AVENUE but not quite? A daily digest of every new listing in Seminole — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →