13635 97TH TERRACE, SEMINOLE, FL 33776
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 14, 2026, 13635 97Th Terrace in Urban Lake Estates 2Nd Add, Seminole is listed at $649,000 (2,321 sq ft, about $280 per sq ft). That sits within a few percent of Urban Lake Estates 2Nd Add's median closed sale of $600,000 over the last 12 months (3 recorded sales). It came to market within the past week. 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.
- No CDD assessment on record
- Built 1973 · 53 yrs
- 2,321 sq ft of living area
- 2-car garage
- Listed at $649,000 — recent neighborhood median sale price ~$600,000 (nearby sales; deemed reliable, not an appraisal)
- New to market
- HOA ~$50/mo (estimate; confirm)
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 trackedObserved at $649,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $3,371/mo 78%
- Taxes $568/mo 13%
- Insurance $352/mo 8%
- HOA $50/mo 1%
$4,341/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
69/100 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. 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. 0.0 months of supply in the surrounding market and 7 days on market for this home, against a 4-day area median.Days on market:this home 7Area median: 4 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 2015 through 2026. As of September 12, 2026.
🟡 Asking $280 per square foot, about 4% below the community’s $292 median. Urban Lake Estates 2Nd Add’s 12-month median sold price per square foot is $292. Confidence: Low · 3 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.
Recent Urban Lake Estates 2Nd Add sales closed near 96.0% of original asking.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 September 12, 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 September 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Under contract-accepting backup offers. 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. 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!
Description provided by NEXTHOME GULF COAST and reproduced from the MLS; not independently verified.
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
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
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.
Actual list price: $649,000 — 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 1973 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:
- This home: 7 days on market vs. a 4-day community median
- 0 active listings competing, 1 under contract
- 3 closed here in the last 12 months
For reference, this home is listed at $649,000 ($280/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,321 sq ft × $257–$327/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 14, 2026.
Similar homes for sale near URBAN LAKE 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.
Price & listing history
Building permits
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.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by NEXTHOME GULF COAST · MLS # TB8539196
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Recent sales activity in URBAN LAKE ESTATES 2ND ADD
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the URBAN LAKE ESTATES 2ND ADD neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
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 →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $292/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
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 $6,814/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 12, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 community section on this page shows recent closed sales, days on market, and active inventory for Urban Lake Estates 2Nd Add 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 $6,814 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. 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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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 a typical county millage rate to the list price 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.
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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.