Beds
2
Baths
2
Sq Ft
1,564 sq ft
Year Built
1980
Lot Size
0.10 acres
Garage
—
About This Property
Virtually Staged. Please note some photos have been virtually staged. Competitively priced and located in a highly sought-after coastal enclave, this turnkey townhome offers immediate proximity to the water with some of the lowest HOA fees in the area. As a two-story corner and end unit, you have no upstairs neighbors to deal with, ensuring a remarkably quiet and private living experience. Your capital is protected from day one by a FULL QUAD UNIT REPLACEMENT ROOF (JUNE 2024) and FULL WINDOW AND DOOR REPLACEMENT (2021). Located just a 7-minute drive from Indian Rocks Beach and 3 minutes from Seminole City Center, the property anchors your investment while delivering exceptional lifestyle returns. A private gated entryway leads to a large, screened ground-level patio, creating a dedicated outdoor living space for grilling, complete with an enclosed side storage area. Inside, the move-in ready layout maximizes natural light. Coastal vinyl plank flooring runs continuously through the main living space. The living room features a functional, wood-burning fireplace updated with a custom stone surround and shiplap walls (2021). The updated kitchen centers on a massive 70x70-inch custom quartz island seating eight to ten people. Solid wood shaker-style cabinets and a full suite of NEW APPLIANCES (2021) ensure durable, daily utility. Temperature control is actively managed by an AC PACKAGE UNIT (NOV 2021) with documented yearly maintenance, supported by an updated WATER HEATER (2019). A full-size washer and dryer area provides lower-level convenience, accompanied by a downstairs bathroom. Upstairs, two spacious bedrooms feature wall-to-wall dual closets and ceiling fans. The primary bedroom offers direct en-suite access to the second-floor bathroom, equipped with a full-size step-in shower, extended vanity, and linen closet. Both the upstairs and downstairs bathrooms feature Miracle Method surface installations for high durability and easy cleaning. Sliding glass doors open from both bedrooms to an elevated second-story deck. A fully updated TOP DECK AWNING (2025) and ceiling fan transform this space into an all-weather extension of your floor plan, perfectly suited for a coffee bar and mini-fridge setup. Financial predictability is locked in with a flat HOA fee covering water, sewer, trash, exterior building paint, reserves, exterior pest control, lawn care, tree trimming, and liability insurance. The property includes an assigned covered parking space directly outside your front door and access to ample guest parking. Neighborhood amenities feature a year-round heated and chilled pool, plus lighted tennis and pickleball courts. Step out your door and follow the paved paths to the community seawall to launch a kayak or paddleboard directly into the Intracoastal Waterway.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From Seminole Blvd, head West on 102nd Ave. Turn North onto Hamlins Blvd to enter the Clearwater Cove / Catalina Cove community. Follow the road as it curves and becomes Tradewinds Ave. Turn onto Catalina Circle (interior loop). The property at 14521 Catalina Circle is a corner unit. You may park in the assigned covered parking space located directly in front of the home.
Location
14521 CATALINA CIRCLE, SEMINOLE, FL 33776
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $324,900 home in SEMINOLE.
🏛️
FHA Loan
$11,372 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$16,245 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pinellas County SHIP
Varies
Income-qualifying Pinellas residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX 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 last updated: July 2, 2026.