Front elevation11746 78th Terrace, Seminole, FL 33772
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 1, 2026, 11746 78Th Terrace in Ridgewood Groves, Seminole is listed at $409,900 (1,115 sq ft, about $368 per sq ft). That sits within a few percent of Ridgewood Groves's median closed sale of $365,000 over the last 12 months (39 recorded sales). Per square foot it is above the community's recent $313/sq ft by about 18%. It came to market within the past week. Listing facts: built in 1960, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1960 · 66 yrs
- 1,115 sq ft of living area
- 1-car garage
- Listed at $409,900 — recent neighborhood median sale price ~$365,000 (nearby sales; deemed reliable, not an appraisal)
- New to market
- No HOA reported by the listing (confirm)
About this home
Beautifully renovated, move-in ready, and just minutes from the Gulf beaches, this Seminole home offers the Florida lifestyle buyers are looking for. Located in unincorporated Pinellas County, the property features NO HOA, is situated in an X FLOOD ZONE, and allows SHORT-TERM RENTALS with no minimum rental restrictions. Whether you're searching for your next family home, a Florida vacation retreat, or an exceptional investment opportunity, this property checks all the boxes.
With award-winning Gulf beaches just up the road, you can enjoy coastal living while remaining centrally located near shopping, dining, parks, schools, and everything Pinellas County has to offer. From the moment you arrive, you'll appreciate the inviting covered front patio and fresh, updated exterior. Step inside this beautifully renovated 3-bedroom, 2-bathroom BLOCK home, where thoughtful upgrades and a warm, modern-organic design come together throughout.
The bright, open living space features LVP flooring and flows seamlessly into the fully renovated kitchen, complete with quartz countertops, all-new appliances, stylish cabinetry, and modern finishes. The primary suite offers a spacious walk-in closet and a beautifully remodeled en suite bathroom featuring an LED mirror, warm wood vanity, and trendy tilework that creates a relaxing, organic-modern feel. The guest bathroom has also been completely renovated with the same cohesive attention to detail.
Out back, enjoy a screened-in porch overlooking the fenced backyard, creating the perfect place to unwind, entertain, or enjoy Florida's year-round weather. A separate storage shed provides additional space for tools, beach gear, and outdoor equipment, while the attached 1-car garage adds even more functionality. Major systems have already been taken care of, with significant 2026 updates including a NEW ROOF, NEW HVAC SYSTEM, and NEW WATER HEATER, giving the next owner added peace of mind from day one.
Located in the Ridgewood Groves neighborhood of Seminole and just off the Park Boulevard corridor, this home offers easy access throughout Pinellas County while keeping you only minutes from the Gulf beaches. Opportunities with this combination of location, condition, and flexibility are becoming increasingly difficult to find. Schedule your showing today!
Description provided by NETWORTH REALTY OF TAMPA, LLC and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $2,188/mo 79%
- Taxes $359/mo 13%
- Insurance $222/mo 8%
$2,769/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the RIDGEWOOD GROVES market
How this home is priced against recent nearby sales, and where RIDGEWOOD GROVES 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.
Price vs. size in RIDGEWOOD GROVES
Each dot is a closed sale since 2004 (383 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $368/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 59 (normal).
This home’s history
- 1960BuiltPer public record
- Sep 11, 2026First seen on movewithmomentum.comObserved at $409,900
- 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in RIDGEWOOD GROVES 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.
Median of these 6 sales: $365,000 ($313/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Stronger local evidence — 6 comparable closed sales in RIDGEWOOD GROVES, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $409,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 6% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1960 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- 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:
- This home: 7 days on market vs. a 14-day community median
- 7 active listings competing, 5 under contract
- 44 closed here in the last 12 months
For reference, this home is listed at $409,900 ($368/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,115 sq ft × $326–$346/sq ft (interquartile band of 6 comparable closed sales in RIDGEWOOD GROVES, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Property Score
51/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟠 Seller-leaning conditions around this listing. 1.9 months of supply in the surrounding market and 7 days on market for this home, against a 14-day area median.Days on market:this home 7Area median: 14 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. As of August 2, 2026.
🟡 Asking $368 per square foot, about 18% above the community’s $313 median. RIDGEWOOD GROVES’s 12-month median sold price per square foot is $313. Median sold price per square foot is down 0.8% year over year. Confidence: Very High · 39 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.
68% of homes in RIDGEWOOD GROVES are owner-occupied. An estimated 32% are non-owner-occupied, including 8% held in a company or trust and 8% 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), 904 homes matched. Community-level context.
Recent RIDGEWOOD GROVES sales closed near 95.4% of original asking. Cash paid for about 24% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by NETWORTH REALTY OF TAMPA, LLC · MLS # TB8546589
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Similar homes for sale near RIDGEWOOD GROVES
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.
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More on RIDGEWOOD GROVES
Go deeper on RIDGEWOOD GROVES
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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 11746 78Th Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1960 (66 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 1,115 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 $4,304/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.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: October 1, 2026) |
| Comparable sales | Stellar MLS closed sales in RIDGEWOOD GROVES, last 18 months, as of August 2, 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.
Frequently asked questions
How big is 11746 78Th Terrace and when was it built?
Per the listing record, 11746 78Th Terrace was built in 1960 and has 1,115 sq ft of living area, 3 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 11746 78Th Terrace in?
11746 78Th Terrace is in Ridgewood Groves in Seminole, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 11746 78Th 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 11746 78Th Terrace differ from the current owner's?
The estimate on this page (about $4,304 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 11746 78Th 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.
See 11746 78TH TERRACE in person
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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.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.