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$409,900

11746 78TH TERRACE, SEMINOLE, FL 33772

3D Tour
Active0 days on market

Beds

3

Baths

2

Sq Ft

1,115 sq ft

Year Built

1960

Lot Size

0.14 acres

Garage

1

About This Property

Beautifully renovated, move-in ready, and just minutes from the Gulf beaches, this Seminole home offers the Florida lifestyle buyers are looking for. Located in unincorporated Pinellas County, the property features NO HOA, is situated in an X FLOOD ZONE, and allows SHORT-TERM RENTALS with no minimum rental restrictions. Whether you're searching for your next family home, a Florida vacation retreat, or an exceptional investment opportunity, this property checks all the boxes. With award-winning Gulf beaches just up the road, you can enjoy coastal living while remaining centrally located near shopping, dining, parks, schools, and everything Pinellas County has to offer. From the moment you arrive, you'll appreciate the inviting covered front patio and fresh, updated exterior. Step inside this beautifully renovated 3-bedroom, 2-bathroom BLOCK home, where thoughtful upgrades and a warm, modern-organic design come together throughout. The bright, open living space features LVP flooring and flows seamlessly into the fully renovated kitchen, complete with quartz countertops, all-new appliances, stylish cabinetry, and modern finishes. The primary suite offers a spacious walk-in closet and a beautifully remodeled en suite bathroom featuring an LED mirror, warm wood vanity, and trendy tilework that creates a relaxing, organic-modern feel. The guest bathroom has also been completely renovated with the same cohesive attention to detail. Out back, enjoy a screened-in porch overlooking the fenced backyard, creating the perfect place to unwind, entertain, or enjoy Florida's year-round weather. A separate storage shed provides additional space for tools, beach gear, and outdoor equipment, while the attached 1-car garage adds even more functionality. Major systems have already been taken care of, with significant 2026 updates including a NEW ROOF, NEW HVAC SYSTEM, and NEW TANKLESS WATER HEATER, giving the next owner added peace of mind from day one. Located in the Ridgewood Groves neighborhood of Seminole and just off the Park Boulevard corridor, this home offers easy access throughout Pinellas County while keeping you only minutes from the Gulf beaches. Opportunities with this combination of location, condition, and flexibility are becoming increasingly difficult to find. Schedule your showing today!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8546589
StatusActive
Year Built1960
Stories1
Total Rooms3
ConstructionBlock
RoofShingle
FoundationSlab
FacesNorth
SubdivisionRIDGEWOOD GROVES
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorStone Counters
FlooringLuxury Vinyl, Tile
AppliancesDishwasher, Electric Water Heater, Microwave, Range, Refrigerator
LaundryElectric Dryer Hookup, In Garage, Washer Hookup
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorLighting, Private Mailbox, Rain Gutters
FencingFenced
Other StructuresShed(s)
Lot Size0.14 acres (6,050 sq ft)
Lot Dimensions63 x 96
Road SurfacePaved, Asphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$409,900
Annual Taxes$4,162 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-3
Parcel #283015752400000460

Schools

ElementarySeminole Elementary-PN
MiddleOsceola Middle-PN
HighSeminole High-PN

Directions

From US-19 ALT, head east on Park Blvd N. Turn left onto 118th St N, then turn right onto 78th Terrace N. Continue to 11746 78th Terrace, Seminole, FL 33772.

Location

11746 78TH TERRACE, SEMINOLE, FL 33772

Listing Information

OfficeNETWORTH REALTY OF TAMPA, LLC
ListedSeptember 10, 2026

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Scheduling is free, and you can cancel anytime.

Home Price

$409,900

20% ($81,980)
6.75%

Loan Term

Principal & Interest$2,127
Property Tax (est.)$376
Insurance (est.)$150
Total Monthly$2,653
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $409,900 home in SEMINOLE.

🏛️

FHA Loan

$14,347 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

$20,495 Down

Traditional financing. As low as 3-5% down with good credit.

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.

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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: September 10, 2026.

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