Waterfront Homes for Sale in Seminole, FL

This page tracks every Seminole listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.

40 waterfront homes are for sale or pending in Seminole, FL today across 30 communities. The median asking price is $449,500, from $79,900 to $3,195,000. Listings in Seminole without that feature have a median of $574,900. Most listings right now: Tara Cay Sound North (3), Shores Of Long Bayou Condo (3), Timberwoods Condo (3). Updated September 8, 2026 from the MLS.

Seminole waterfront homes by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.

Community	Waterfront Homes	New build	Median list	From
Tara Cay Sound North	3	0	$470,000	$439,000
Shores Of Long Bayou Condo	3	0	$389,999	$295,000
Timberwoods Condo	3	0	$199,900	$169,000
Tara Cay	2	0	$504,949	$499,999
Tara Cay Sound South Ii	2	0	$441,000	$420,000
Clearwater Cove	2	0	$424,950	$399,900
East Ridge Lake 1St Add	2	0	$424,450	$399,900
Bayou Club Estates Tr 2 Ph 2	1	0	$3,195,000	$3,195,000
Seminole Lake Country Club Estates	1	0	$2,395,000	$2,395,000
Bayou Club Estates Tr 2 Ph 3	1	0	$1,799,900	$1,799,900
Lake Seminole Park Trails	1	0	$1,150,000	$1,150,000
Pinellas Groves	1	0	$1,085,000	$1,085,000
Bayhaven 3Rd Add	1	0	$899,000	$899,000
Long Bayou Estates	1	0	$829,900	$829,900
Townhomes Of Seminole Isle	1	1	$770,000	$770,000
Trails At Bardmoor North Ph I	1	0	$679,000	$679,000
Arbors At Bardmoor The	1	0	$674,900	$674,900
Canterbury Chase	1	0	$630,000	$630,000
Seminole Isle	1	0	$509,000	$509,000
Seminole Forest	1	0	$490,000	$490,000
Monterey At Lake Seminole Condo	1	0	$429,000	$429,000
Tara Cay Ii	1	0	$399,900	$399,900
Tara Cay Iii	1	0	$399,000	$399,000
Village At Antigua	1	0	$379,500	$379,500
Seminole Lake Village	1	0	$349,900	$349,900
Tara Cay Sound South	1	0	$345,000	$345,000
Harbor Greens At Yacht Club Estates	1	0	$287,700	$287,700
Gardens The Condo	1	0	$199,000	$199,000
Villa Milan Condo The	1	0	$119,900	$119,900
Seminole Garden Apts Co-Op	1	0	$79,900	$79,900

What waterfront ownership really costs

Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.

Questions to ask about any waterfront listing

Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.

Common questions

How many waterfront homes are for sale in Seminole?

As of September 8, 2026, 40 Seminole, FL listings whose MLS record reports waterfront are active or pending, across 30 communities. The count updates with every MLS refresh.

What do waterfront homes cost in Seminole?

The median asking price today is $449,500, with listings from $79,900 to $3,195,000. Seminole listings without that feature have a median of $574,900.

Which Seminole community has the most waterfront homes for sale?

Tara Cay Sound North has the most right now (3), followed by Shores Of Long Bayou Condo (3), Timberwoods Condo (3), Tara Cay (2).

Is a waterfront home always in a flood zone?

Not always, but most direct-frontage parcels are in a FEMA special flood hazard area, which means a lender will require flood insurance. The elevation certificate and the exact zone for the parcel decide the premium; two homes on the same canal can differ by thousands a year.

Keep exploring Seminole

Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Seminole, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.

Listings courtesy of Stellar MLS as distributed by MLS GRID.