13635 97th Terrace, Seminole, FL 33776
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
13635 97Th Terrace in Urban Lake Estates 2Nd Add, Seminole is listed at $625,000 (2,321 sq ft, about $269 per sq ft). It has been listed Sep 20, 2026. Listing facts: built in 1973, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- Built 1973 · 53 yrs
- 2,321 sq ft of living area
- 2-car garage
- Listed at $625,000 — recent neighborhood median sale price ~$699,000 (nearby sales; deemed reliable, not an appraisal)
- listed Sep 20, 2026
- No HOA reported by the listing (confirm)
About this home
Virtually Staged. Welcome to Urban Lake Estates neighborhood and this beautifully updated 3-bedroom, 2-bath home with a 2-car garage in highly regarded Seminole. Thoughtful renovations, major recent improvements and a location convenient to the beaches and the entire Tampa Bay area make this a home that's ready to enjoy.
One of the home's standout features is its versatile floor plan with separate living, dining and family rooms, providing plenty of space for everyday living, entertaining, working from home or simply spreading out. Hardwood-look plank tile flooring flows throughout the home, creating a warm, cohesive appearance that's also easy to maintain. The renovated kitchen features granite countertops and a Carrara marble backsplash, along with newer appliances including a dishwasher installed in 2025 and microwave in 2026.
Both bathrooms have also been beautifully renovated. The primary bath features a walk-in shower with marble tile, terrazzo shower floor and full-body shower system. Major improvements provide additional peace of mind, including a NEW ROOF installed in July 2026, air-conditioning system and electrical panel in 2024.
Impact-resistant windows protect most of the home, with hurricane shutters provided for the sliding glass doors and front door. Frontier Communications has also recently installed fiber service in the neighborhood. Step outside to the screened lanai and fenced backyard, creating an inviting setting for enjoying Florida's year-round outdoor lifestyle.
The fenced yard provides space and privacy for entertaining, gardening, pets or simply relaxing outdoors, while mature tropical fruit trees—including mango, avocado and starfruit—add a distinctive Florida touch. The Seminole location puts so much of the Tampa Bay lifestyle within easy reach. Enjoy convenient access to Indian Rocks Beach, Clearwater Beach and the Gulf's beautiful sugar sand beaches, while Tampa and St.
Petersburg are just a short drive away. Boating enthusiasts will appreciate having multiple boat ramps nearby. Seminole is also known for its schools and outstanding community amenities.
The nearby Seminole Recreation Center offers fitness facilities, basketball, pickleball and racquetball courts, athletic fields, a seasonal family pool, playground and recreational programs for children, adults and seniors. SPECIAL BUYER INCENTIVE! Qualified buyers may save up to $217 per month, up to $2,604 during the first year with a special 0.50% first-year rate reduction through our preferred lender, NextMortgage.
With its three separate living and entertaining spaces, renovated kitchen and bathrooms, newer roof, HVAC and electrical panel, hurricane protection, screened outdoor living space and desirable Seminole location, this home offers a compelling combination of comfort, flexibility, convenience and Florida lifestyle. Make this your next home!
All 61 photos
Description provided by NEXTHOME GULF COAST 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.The Messtimate
Estimate not shown for this home. The recent sales near this home vary too much for an automated range to be useful here, so we do not show one. A home like this is best priced by someone who has seen it.
Estimate for general information only; never an appraisal, valuation, or offer. Updated November 14, 2026.
Comparable recent sales
4 closed sales in URBAN LAKE 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.
Median of these 4 sales: $699,000 ($311/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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 $3,364/mo 73%
- Taxes $929/mo 20%
- Insurance $339/mo 7%
$4,632/mo at 20% down, 30-yr @ 7.11% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Pinellas County Schools FY2025-26 adopted budget (first public hearing, 6.293 mills proposed tax millage); 0.5->1.0 mill operating referendum effective 7/1/2025. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 13635 97Th Terrace
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $4,975/yr (certified county roll, taxable value × millage). Buy at the asking price of $625,000 and the first-year bill resets to about $11,150/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 19.39 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | The listing states there is no HOA. |
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 1973. An original roof would be about 53 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,088/month (tax $929, insurance $159). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
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.
County hazard risk ratings (FEMA National Risk Index, county level)
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 — how to check availability for this address
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 Urban Lake Estates 2Nd Add market
How this home is priced against recent nearby sales, and where Urban Lake 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.
This home’s history
- 1973BuiltPer public record
- Aug 22, 2026First seen on our siteObserved at $649,000
- Oct 21, 2026Price cut$639,990 (-$9,010, -1.4%)
- Nov 13, 2026Price cut$625,000 (-$14,990, -2.3%)
- 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
Momentum Property Score
68/100 is solid, mid-pack 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: 5 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
🟡 Balanced conditions around this listing. 6.0 months of supply in the surrounding market and 55 days on market for this home, against a 55-day area median.Days on market:this home 55Area median: 55 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 2026 through 2026. As of November 13, 2026.
🟡 Asking $269 per square foot, about 14% below the community’s $311 median. Urban Lake Estates 2Nd Add’s 12-month median sold price per square foot is $311. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
82% of homes in Urban Lake Estates 2Nd Add are owner-occupied. An estimated 18% are non-owner-occupied, including 8% 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), 137 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in Urban Lake Estates 2Nd Add, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by NEXTHOME GULF COAST · MLS # TB8539196
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More on URBAN LAKE ESTATES 2ND ADD
Go deeper on URBAN LAKE 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.
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.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →What homes sell for in 33776 — recent sale prices by community.
View →Median price, days on market and supply from MLS data.
View →Buyer research checklist
Items worth confirming for 13635 97Th Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1973 (53 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.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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 2,321 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 $11,150/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,175 more per year than the current owner’s estimated bill (+124%). 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, checked against the MLS hourly (last: November 14, 2026) |
| Comparable sales | Stellar MLS closed sales in URBAN LAKE ESTATES 2ND ADD, last 18 months, as of November 13, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; 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 13635 97Th Terrace and when was it built?
Per the listing record, 13635 97Th Terrace was built in 1973 and has 2,321 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 13635 97Th Terrace in?
13635 97Th Terrace is in Urban Lake 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 13635 97Th 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 13635 97Th Terrace differ from the current owner's?
The estimate on this page (about $11,150 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $6,175 more per year than the current owner’s estimated bill (+124%). 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 13635 97Th Terrace in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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.
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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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
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.
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.