Urban Lake Estates
Homes for Sale in Seminole, FL
All 367 homes for sale in Seminole, FL · median $365,000 · 64 homes for sale in 33776 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 10 closed sales in Urban Lake Estates 1St Add in Seminole, FL since 2014, the most recent in June 2025. Across Seminole as a whole, 625 homes closed in the last 12 months at a median of $396,250, 51 median days on market, with 161 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,680 ($6,870 with the full homestead exemption).
Urban Lake Estates Add is a small, stable pocket in Seminole — 63 homes built between 1965 and 1981, with the typical house dating to 1968 and running near 1,972 square feet. That means price here is driven far less by square footage than by condition and updates. Two homes of nearly identical size can trade well apart depending on whether the kitchen, baths, roof, and systems have been touched. Expect a wide spread and price accordingly.
With no closings in the current window and a homestead share around 86%, this is a hold-and-live-in enclave, not a churn market. Inventory is thin and turnover is slow, which tends to favor sellers who present a clean, updated house and patient buyers who are willing to wait for the right listing rather than expecting a menu of options.
Nearby homes for sale
No active listings inside Urban Lake EstatesHomes for Sale in Seminole, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
A compact Seminole neighborhood of 63 mid-century-to-early-1980s homes where most owners stay put, so listings are occasional and each one sets its own tone on condition.
Stellar MLS sales records identify 58 homes in Urban Lake Estates that have changed hands since 2005, built between 1965 and 1979 (median 1968), with a median living area of about 1,813 sq ft and a typical 3-bedroom, 2-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 3 qualified sales in Urban Lake Estates across 2024–2025 (2 in 2024, 1 in 2025), median $585,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Urban Lake Estates is best for.
Best for
- Long-term owner-occupants who want a roughly 1,900-square-foot single-family home and will hold it
- Buyers with a renovation budget who can see value in an older home needing systems or cosmetic updates
- Patient shoppers willing to wait for the occasional listing rather than compare many at once
Probably not for
- Buyers needing a fast purchase from a deep selection of active listings
- Anyone wanting new construction or a fully turnkey home with no updating
- Investors chasing high-turnover flip inventory or frequent resale volume
The market around Urban Lake Estates
Urban Lake Estates is too small for its own price trend, so here is the market around it.
In ZIP 33776, 95 homes are on the market and 27% are under contract — a steady corner of Seminole.
Across Pinellas County, 6,628 homes are active and 1,729 pending (21% under contract).
In ZIP 33776 (Seminole), 239 homes closed in the last 12 months at a median of $451K ($287/sq ft), down 1.6% year over year, with a median 43 days on market. Right now 44 active and 12 pending listings put supply at about 2.8 months — a balanced market. See the live ZIP 33776 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Urban Lake Estates specifically. Momentum Research analysis of MLS records.
The Urban Lake Estates buying strategy.
If we were buying in Urban Lake Estates today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Urban Lake Estates.
Condition, not square footage, writes the check
The housing stock is consistent in scale — a median of roughly 1,972 living square feet and a build range spanning 1965 to 1981 — so the differences that matter are under the surface. Roofs, HVAC, electrical, windows, and whether the original layout has been opened up will separate a well-kept home from a project. Budget for inspection and, where needed, updates rather than assuming the size alone dictates value.
Because roughly 86% of homes carry a homestead exemption, these are largely long-term owner-occupied properties. That usually means fewer investor flips and more houses that reflect decades of one owner's choices — some meticulously maintained, some frozen in time. Read each listing individually; the neighborhood label tells you less than the specific house.
The location and the amenities are priced into every listing in Urban Lake Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-turnover neighborhood with no recent closings to anchor a price, comps are scarce and condition adjustments do the heavy lifting. We price and negotiate off the actual state of the house — systems, roof age, updates — rather than a blunt price-per-foot, and we help buyers move quickly when a rare listing that fits comes up.
Urban Lake Estates in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Urban Lake Estates buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Urban Lake Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Urban Lake Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Urban Lake Estates home worth?
Get a no-obligation home value based on real comparable sales in Urban Lake Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Should you buy in Urban Lake Estates?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2014 (10 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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Common questions about Urban Lake Estates
Where is Urban Lake Estates?
Urban Lake Estates is a community in Seminole, Pinellas County, Florida, ZIP 33776.
Are there homes for sale in Urban Lake Estates right now?
No active listings inside Urban Lake Estates at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Urban Lake Estates have an HOA or CDD?
No HOA is on record for Urban Lake Estates in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
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