Beds
3
Baths
4
Sq Ft
2,174 sq ft
Year Built
1995
Lot Size
0.05 acres
Garage
1
About This Property
Think the perfect low maintenance WATERFRONT LIVING can’t be yours? THINK AGAIN! Old Florida charm and the perfect Florida waterfront lifestyle are YOURS in this spacious peaceful high and dry elevation (level 2) 3-floor townhome with multiple water views and dock access located in the highly sought after city of Seminole. This is the perfect space to have your key lime pie…and eat it too! All the joys of living on the water and none of the stress! With TWO large living rooms on separate floors (with one being on the ground floor that can be easily converted to a 4th bedroom and has a full bathroom on this first floor), this home seems like two homes in one and works great for multigenerational families or company that comes frequently! The open concept second floor living space has a kitchen with beautiful custom solid wood cabinetry with crown molding, stone countertops, and a high end wood range hood combined with the beautiful designer dining room chandelier and spacious living room that leads out to your screened in balcony overlooking the tranquil water leading out into the bay. Upstairs on the third floor (which is handicap accessible) you will find that there are basically two primary suites with high cathedral ceilings! The primary with the waterfront view has not one, but TWO large walk-in closets, an en-suite bathroom, and a private screened-in balcony overlooking the sparkling water while the other also has its own en- suite bathroom, double built-in closets, and bonus space with built-in shelving and vaulted ceiling perfect for a home office or workout area! The third bedroom is located on the second floor and has a built-in closet with a large extra storage compartment inside. Downstairs to the first floor (handicap accessible) you will find a second living space and full bathroom! Perfect for guests, family, or just extra space to entertain. The sliding glass doors open to the gated back porch with views of the wildlife and water with a pathway leading out to the dock for fishing, hopping on your canoe, kayak, paddleboard, or just simply sitting, watching, and listening to nature in this protected tropical preserve. All sliding glass doors are equipped with electronic storm shutters for extra wind protection. This beautiful and peaceful community is both pet friendly and has a heated pool with lounge chairs and tables making being social a breeze and features plenty of guest parking. Updates include: Acorn electronic handicap chair lift for stair access to all three floors (removable), Hurricane grade garage door, hurricane shutters on all glass doors, New A/C (2025), New Roof (2025), High end Bosch dishwasher (2024), High-end chandelier, kayak rack in garage.
Property Overview
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Coming from Reddington Shores Beach Access (10 minutes away) take Gulf Blvd north to Park Blvd. Make a left on Oakhurst Rd, a left on 102nd Ave. a right on Seminole Trail, a left on Indian Key Trail and the waterfront home will be on your right.
Location
9936 INDIAN KEY TRAIL UNIT 22, SEMINOLE, FL 33776
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $440,000 home in SEMINOLE.
🏛️
FHA Loan
$15,400 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
$22,000 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 5, 2026.