12 days on market (MLS)Single Family Residence▼ Price cut: $25,000 (9/30)
$350,000
2-Bedroom Home in BAY RIDGE ESTATES 2ND ADD
10809 90th Terrace, Seminole, FL 33772
Single Family Residence in BAY RIDGE ESTATES 2ND ADD, SEMINOLE · No CDD on record
BAY RIDGE ESTATES 2ND ADD · Seminole, FL 33772 · Pinellas County
Listing data updated October 12, 2026 at 4:39 AM ET · checked against the MLS hourly
2Bedrooms
2Bathrooms
1,344Sq Ft
1962Year Built
$260Per Sq Ft
2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
8% below
$/sq ft vs community
$260 here vs $284 median sold (12 mo)
Buyer leverage
Strong seller market
12 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 10809 90Th Terrace in Bay Ridge Estates 2Nd Add, Seminole is listed at $350,000 (1,344 sq ft, about $260 per sq ft). That sits within a few percent of Bay Ridge Estates 2Nd Add's median closed sale of $348,750 over the last 12 months (2 recorded sales). It has been 12 days on market. Listing facts: built in 1962, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1962 · 64 yrs
1,344 sq ft of living area
2-car garage
Listed at $350,000 — recent neighborhood median sale price ~$348,750 (nearby sales; deemed reliable, not an appraisal)
12 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Under contract-accepting backup offers. “ACCEPTING BACK UP OFFERS”. "Welcome to desirable Bay Ridge Estates!" "From the moment you arrive, you'll appreciate the beautiful curb appeal of this spacious corner-lot home, "Featuring a welcoming front porch where you can sit and enjoy the sunrise.
A rarely available OVERSIZED 2 CAR GARAGE! And an impressive circular driveway with parking for six or more vehicles. And a completely fenced backyard that has a shed that stays with the home.
"Outside, the large side yard offers room for a boat or RV." "Step inside to an inviting open floor plan." "Where the kitchen immediately catches your eye, with beautiful thick granite countertops that have the elegant look of quartz." "Tile flooring flows throughout the main living areas with terrazzo flooring in one bedroom and carpet in the other." "Tax records reflect a two-bedroom, two-bath home with 1,183 square feet." "However, with the room addition at the rear of the home, the home measures approximately1344 square feet and offers the possibility of a third bedroom." "With its own exterior entrance from that room you go into a large 10 x 20 multi-purpose room, with a full bathroom..." "This living area offers so many possibilities.
Create a third bedroom with a separate living and dining area, a home office, guest quarters, or a comfortable setup for multigenerational living." "A new A/C adds even more value." "And you'll love the convenience, less than five minutes from Seminole City Center." "With the Studio Grill movie theater, Fresh Market, LA Fitness, and plenty of shopping and dining.. "Including Outback, Applebee's, and Miller's Ale House, just to name a few, plus Publix conveniently nearby." "All of this convenience is within minutes of the established Bay Ridge Estates neighborhood in Seminole." No HOA, CDD’s or Deed Restrictions.
Make an appointment asap so you don’t miss out on this opportunity.
Description provided by COLDWELL BANKER REALTY and reproduced from the MLS; not independently verified.
Listing courtesy of COLDWELL BANKER REALTY · Listing agent: Wally Whisennant · 727-822-9111Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$350,000
Bed / bath2 / 2
Living area1,344 sq ft
Year built1962
Property typeSingle Family Residence
Garage2-car
MLS #TB8546720
Listing status12 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~27 ft
CountyPinellas
Area listings0 active · 0 under contract
Estimated first-year tax~$3,675/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$260
Estimated monthly payment$2,435
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$348,750
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,435/mo
Principal & interest $1,939/mo80%
Taxes $306/mo13%
Insurance $190/mo8%
$2,435/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,675/yr
Estimate: a typical Pinellas effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~27 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Pinellas County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Pinellas County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveVery High
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Bay Ridge Estates 2Nd Add
Pricing & the Bay Ridge Estates 2Nd Add market
How this home is priced against recent nearby sales, and where Bay Ridge Estates 2Nd Add has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Median $/sq ft by year
Community sold $/sq ft, 2017–2025. This home lists at $260/sq ft.
Median sale price by year
12-month median closed price, 2017–2025.
Property timeline
This home’s history
1962BuiltPer public record
Sep 22, 2026First seen on movewithmomentum.comObserved at $375,000
Sep 30, 2026Price cut$350,000 (-$25,000, -6.7%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $350,000Momentum Realty · on market 12 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
4 closed sales in BAY RIDGE ESTATES 2ND ADD in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2025
$342,500
9120 108TH STREET, SEMINOLE
2 / 1.5 bd/ba · 1,350 sq ft · $254/sq ft
Courtesy of REAL BROKER, LLC · View details →
Sold Sep 2025
$342,500
9120 108TH STREET, SEMINOLE
2 / 1.5 bd/ba · 1,350 sq ft · $254/sq ft
Courtesy of REAL BROKER, LLC · View details →
Sold Jan 2026
$355,000
9210 108TH STREET, SEMINOLE
2 / 1 bd/ba · 1,133 sq ft · $313/sq ft
Courtesy of BEYCOME OF FLORIDA LLC · View details →
Sold Jan 2026
$355,000
9210 108TH STREET, SEMINOLE
2 / 1 bd/ba · 1,133 sq ft · $313/sq ft
Courtesy of BEYCOME OF FLORIDA LLC · View details →
Median of these 4 sales: $348,750 ($284/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$336,000the mess$427,392
Stronger local evidence — 4 comparable closed sales in BAY RIDGE ESTATES 2ND ADD, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $350,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1962 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
0 active listings competing, 2 under contract
2 closed here in the last 12 months
For reference, this home is listed at $350,000 ($260/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,344 sq ft × $250–$318/sq ft (±12% around the median of 4 comparable closed sales in BAY RIDGE ESTATES 2ND ADD, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Research
The Momentum read
🟡 Asking $260 per square foot, about 8% below the community’s $284 median. Bay Ridge Estates 2Nd Add’s 12-month median sold price per square foot is $284. Confidence: Low · 2 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
77% of homes in Bay Ridge Estates 2Nd Add are owner-occupied. An estimated 23% are non-owner-occupied, including 5% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 208 homes matched. Community-level context.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by COLDWELL BANKER REALTY · MLS # TB8546720
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Keep looking
Similar homes for sale near BAY RIDGE ESTATES 2ND ADD
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
ClearView apartments complete at $1 billion Echelon City Center in St. Petersburg
The 363-unit ClearView community, with ground-floor retail, is complete within the Echelon City Center development by Third Lake Partners and Echelon. A 3rd & 3rd residential high-rise with ground-floor retail is expected to open in the first quarter of 2027.
Why it matters: New downtown apartments and walkable retail add rental inventory and amenities in central St. Petersburg. The project is about 6 miles south of Bay Ridge Estates 2nd Add, elsewhere in Pinellas County.
AECOM Hunt selected as construction manager for proposed $2.3 billion Rays ballpark in Tampa
AECOM Hunt joined the design team led by Populous for the proposed ballpark on a site that includes Hillsborough College property. The stadium would have at least 28,000 fixed seats, with a construction start targeted for September 2026 and completion by late 2028. Tampa's public contribution is up to $80 million and financing is not finalized.
Why it matters: A large ballpark and surrounding mixed-use district would add construction jobs, event traffic and retail demand on the Dale Mabry corridor. The site is about 11 miles northeast of Bay Ridge Estates 2nd Add.
Four firms vie to build Tampa International Airport's $150 million control tower
TPA narrowed the field to four builders for a new blast-resistant air traffic control tower on about 2 acres northwest of the main terminal. The budget is about $150 million, with board selection expected Oct. 1 and substantial completion targeted for March 2029.
Why it matters: Airport capital spending supports construction employment and long-term air service capacity for the region. The site is about 9 miles northeast of Bay Ridge Estates 2nd Add.
Tampa advances $1.999 million design contract for Picnic Island coastal restoration
Tampa selected HDR Engineering to design a nature-based shoreline plan including living breakwaters, a living shoreline and reinforced dunes. The contract covers design and permitting only, over 458 days, funded by a state resiliency grant. Construction is not yet funded or scheduled.
Why it matters: Shoreline work aims to reduce flood and erosion exposure for Port Tampa City and add park and trail amenities. The site is about 3 miles east of Bay Ridge Estates 2nd Add.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Pinellas County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 10809 90Th Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1962 (64 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,344 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,675/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
Stellar MLS closed sales in BAY RIDGE ESTATES 2ND ADD, last 18 months, as of September 20, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 10809 90Th Terrace and when was it built?
Per the listing record, 10809 90Th Terrace was built in 1962 and has 1,344 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 10809 90Th Terrace in?
10809 90Th Terrace is in Bay Ridge Estates 2Nd Add in Seminole, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 10809 90Th Terrace have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 10809 90Th Terrace differ from the current owner's?
The estimate on this page (about $3,675 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 10809 90Th Terrace in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 10809 90TH TERRACE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
