listed Oct 19, 2026 Single Family Residence
$400,000
4-Bedroom Home in TAYLOR LAKE SUB

1951 Taylor Lake Circle, Seminole, FL 33778

Single Family Residence in TAYLOR LAKE SUB, SEMINOLE
TAYLOR LAKE SUB · Seminole, FL 33778 · Pinellas County
Listing data checked against the MLS November 6, 2026 at 8:32 PM ET · rechecked hourly
4Bedrooms
2Bathrooms
1,373Sq Ft
1988Year Built
$291Per Sq Ft
4 bedrooms
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.
10% below
$/sq ft vs community
$291 here vs $322 median sold (12 mo)
Buyer leverage
Balanced market
18 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone A
Flood risk
Confirm requirements with FEMA; ~45 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 12
Price vs recent sales
Asking $400k tops 4 of the last 12 closed sales

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

1951 Taylor Lake Circle in Taylor Lake Sub, Seminole is listed at $400,000 (1,373 sq ft, about $291 per sq ft). That sits within a few percent of Taylor Lake Sub's median closed sale of $356,250 over the last 12 months (2 recorded sales). It has been listed Oct 19, 2026. Listing facts: built in 1988, no HOA. The parcel maps to FEMA flood zone A, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • Built 1988 · 38 yrs
  • 1,373 sq ft of living area
  • Listed at $400,000 — recent neighborhood median sale price ~$356,250 (nearby sales; deemed reliable, not an appraisal)
  • listed Oct 19, 2026
  • No HOA reported by the listing (confirm)
Listing description

About this home

4-BEDROOM, 2-BATH BLOCK HOME | $400K | RV PARKING | 7-CAR DRIVEWAY | SCREENED GAZEBO | NEAR GULF BEACHES | UPDATED | BUILT FOR FLORIDA LIVING! Welcome to 1951 Taylor Lake Circle, a beautifully updated 4-BEDROOM, 2-BATHROOM BLOCK HOME on a quiet cul-de-sac with approximately 1,373 SQ FT of living space on a 6,050 SQ FT LOT near JOHN S. TAYLOR PARK & TAYLOR LAKE, with convenient access to multiple Gulf beaches.

Inside, enjoy a bright OPEN-CONCEPT FLOOR PLAN with a VAULTED LIVING ROOM CEILING, spacious EAT-IN KITCHEN featuring new cabinetry & GRANITE COUNTERTOPS and STAINLESS-STEEL APPLIANCES, updated bathrooms with newer vanities, tile & fixtures, plus NEW FLOORING throughout. The PRIMARY SUITE offers a WALK-IN CLOSET & EN-SUITE BATH, while three additional bedrooms provide flexibility for guests, a home office, hobbies or additional living needs. OUTDOOR LIVING IS A MAJOR BONUS!

The oversized driveway provides parking for approximately 7 VEHICLES & RV PARKING, while the SCREENED GAZEBO creates an ideal entertaining space with 2 CEILING FANS & ELECTRICAL OUTLETS. A FENCED YARD & FENCED DOG RUN and storage shed add even more functionality. GULF BEACHES ARE CLOSE BY!

Enjoy convenient access to INDIAN ROCKS BEACH, BELLEAIR BEACH, INDIAN SHORES, REDINGTON SHORES, NORTH REDINGTON BEACH, REDINGTON BEACH, MADEIRA BEACH, SAND KEY & CLEARWATER BEACH, with a scenic drive to even more GULF COAST BEACHES making it easy to enjoy Gulf sunsets, boating, swimming & the Florida coastal lifestyle. MORE FEATURES: Dedicated LAUNDRY ROOM, extensive storage, attic storage, ROOF 2015 & WATER HEATER 2024. 4 BEDROOMS | 2 BATHS | 1,373 SF HOME | 6,050 SF LOT | UPDATED | BLOCK CONSTRUCTION | RV PARKING | 7-CAR DRIVEWAY | SCREENED GAZEBO | DOG RUN | $400,000 A TURNKEY LARGO HOME OFFERING THE SPACE, PARKING, STORAGE & OUTDOOR LIVING TODAY'S BUYERS ARE LOOKING FOR—WITH MULTIPLE GULF BEACHES JUST A SHORT DRIVE AWAY!

All measurements, features, improvements, schools, zoning & flood-zone information should be independently verified by buyer & buyer's agent.

All 34 photos

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Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.

Listing courtesy of EXP REALTY LLC · Listing agent: Michelle Love Johnson · 888-883-8509Provided 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™ · automated estimate

The Messtimate

Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.

$382,400the mess$498,100

Strong local evidence — built from 4 comparable closed sales in TAYLOR LAKE SUB (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 60 nearby closed sales.

Track record: across 2,806 recent closed sales we scored, the closed price landed inside the Messtimate range 66% of the time; median miss 8.9% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-06.

Actual list price: $400,000 ($291/sq ft) — the seller's asking price is not an input to this range; compare the two.

A 30% spread on the same house — here is what a model can't see:

  • Condition & updates — a 1988 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
  • Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.

And what the live market is doing right now:

  • 1 active listing competing
  • 2 closed here in the last 12 months
Want a property-specific value 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.

Selling your own home? Try the Messtimate on your address →

Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (4) + a local hedonic fit (60 sales); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 6, 2026.

How it stacks up

Comparable recent sales

4 closed sales in TAYLOR LAKE SUB 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: $356,250 ($322/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

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$400,000
Bed / bath4 / 2
Living area1,373 sq ft
Year built1988
Property typeSingle Family Residence
MLS #TB8554338
Listing statuslisted Oct 19, 2026

Public records & third-party data

FEMA flood zoneZone A
Ground elevation~45 ft
CountyPinellas
Area listings0 active · 0 under contract
Estimated first-year tax~$4,200/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$291
Estimated monthly payment$2,729
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$356,250

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

$2,729/mo
  • Principal & interest $2,168/mo 79%
  • Taxes $350/mo 13%
  • Insurance $211/mo 8%

$2,729/mo at 20% down, 30-yr @ 7.18% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

What it really costs to own 1951 Taylor Lake Circle

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.

HOA duesThe listing states there is no HOA.
Home and flood insuranceThe 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 $2,000–$3,500/yr; neither is a quote. Flood: this address maps to FEMA zone A, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 1988. An original roof would be about 38 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 ownership costs

Estimated costs & disclosures

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.)
~$4,200/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
Not reported

The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.

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 A — confirm flood 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
Zone A

From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.

Ground elevation
~45 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.

County hazard risk ratings (FEMA National Risk Index, county level)
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.

Internet & broadband — how to check availability for this address
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 · Taylor Lake Sub

Pricing & the Taylor Lake Sub market

How this home is priced against recent nearby sales, and where Taylor Lake Sub 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 per sq ft · this home vs. recent nearby sales1736 TAYLOR LAKE PLACE1736 TAYLOR LAKE PLACE: $291/sq ft$2911736 TAYLOR LAKE PLACE1736 TAYLOR LAKE PLACE: $291/sq ft$291This homeThis home: $291/sq ft$2911966 119TH STREET1966 119TH STREET: $353/sq ft$3531966 119TH STREET1966 119TH STREET: $353/sq ft$353Community median $322

Median $/sq ft by year

Community sold $/sq ft, 2016–2025. This home lists at $291/sq ft.

$63$148$2332016: $7920162017: $9220172025: $2172025

Median sale price by year

12-month median closed price, 2016–2025.

$79k$193k$307k2016: $101k20162017: $138k20172025: $285k2025
Property timeline

This home’s history

  • 1988BuiltPer public record
  • Oct 15, 2026First seen on our siteObserved at $400,000
  • 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 $400,000EXP REALTY LLC · listed Oct 19, 2026
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores

Momentum Property Score

45/100
Strongest on: Price vs area (74), Flood safety (50)
0 limited50100 exceptional

45/100 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.

Price vs area74
This home $291/sq ft vs the community 12-month median $322/sq ft.
Affordability30
List price $400,000 vs the community median $356,250. Not a measure of personal affordability.
Flood safety50
FEMA Zone A, ~45 ft elevation. Verify the parcel with FEMA.
Insurance cost25
From FEMA Zone A and a 1988 build. Obtain a property-specific quote.

Coverage: 4 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.

Momentum Research

The Momentum read

🟡 Balanced conditions around this listing. 6.0 months of supply in the surrounding market and 18 days on market for this home, against a 18-day area median.Days on market:this home 18Area median:  18 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 2014 through 2026. As of September 20, 2026.

🟡 Asking $291 per square foot, about 10% below the community’s $322 median. Taylor Lake Sub’s 12-month median sold price per square foot is $322. 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.

63% of homes in Taylor Lake Sub are owner-occupied. An estimated 37% are non-owner-occupied, including 12% held in a company or trust and 10% 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), 209 homes matched. Community-level context.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Checked against the MLS November 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by EXP REALTY LLC · MLS # TB8554338

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More on TAYLOR LAKE SUB

Go deeper on TAYLOR LAKE SUB

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

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.

GRADEB
Ridgecrest Elementary-PNAssigned elementary school · Pinellas County School District · Grade B (Florida DOE 2025-26)
GRADEA
Seminole Middle-PNAssigned middle school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEB
Largo High-PNAssigned high school · Pinellas County School District · Grade B (Florida DOE 2025-26)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 1951 Taylor Lake Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1988 (38 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 A: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
  • 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 1,373 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 $4,200/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.
Provenance

Data sources & freshness

Listing recordStellar MLS, checked against the MLS hourly (last: November 6, 2026)
Comparable salesStellar MLS closed sales in TAYLOR LAKE SUB, last 18 months, as of September 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone A shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 1951 Taylor Lake Circle and when was it built?

Per the listing record, 1951 Taylor Lake Circle was built in 1988 and has 1,373 sq ft of living area, 4 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 1951 Taylor Lake Circle in?

1951 Taylor Lake Circle is in Taylor Lake Sub in Seminole, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 1951 Taylor Lake Circle 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 1951 Taylor Lake Circle differ from the current owner's?

The estimate on this page (about $4,200 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 1951 Taylor Lake Circle in a flood zone?

The FEMA flood map places this parcel in Zone A, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.

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.