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Overview

3 bd2 ba2,321 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1973
Lot8,773 sqft
Living area2,321 sqft
Price / sqft$280
Garage2 car

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About this home

Ceiling Fans(s)Solid Surface CountersSolid Wood CabinetsSplit BedroomStone CountersWalk-in Closet(s)Hurricane ShuttersRain Gutters

13635 97th Ter is a 1973-built home in Urban Lake Estates 2nd Add, Seminole. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,321 square feet of living space. Listed at $649,000 (about $280/sqft), 51 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Welcome to Urban Lake Estates neighborhood and this beautifully updated 3-bedroom, 2-bath home with a 2-car garage in highly regarded Seminole. Thoughtful renovations, major recent improvements and a location convenient to the beaches and the entire Tampa Bay area make this a home that's ready to enjoy. One of the home's standout features is its versatile floor plan with separate living, dining and family rooms, providing plenty of space for everyday living, entertaining, working from home or simply spreading out. Hardwood-look plank tile flooring flows throughout the home, creating a warm, cohesive appearance that's also easy to maintain. The renovated kitchen features granite countertops and a Carrara marble backsplash, along with newer appliances including a dishwasher installed in 2025 and microwave in 2026. Both bathrooms have also been beautifully renovated. The primary bath features a walk-in shower with marble tile, terrazzo shower floor and full-body shower system. Major improvements provide additional peace of mind, including a NEW ROOF installed in July 2026, air-conditioning system and electrical panel in 2024. Impact-resistant windows protect most of the home, with hurricane shutters provided for the sliding glass doors and front door. Frontier Communications has also recently installed fiber service in the neighborhood. Step outside to the screened lanai and fenced backyard, creating an inviting setting for enjoying Florida's year-round outdoor lifestyle. The fenced yard provides space and privacy for entertaining, gardening, pets or simply relaxing outdoors, while mature tropical fruit trees—including mango, avocado and starfruit—add a distinctive Florida touch. The Seminole location puts so much of the Tampa Bay lifestyle within easy reach. Enjoy convenient access to Indian Rocks Beach, Clearwater Beach and the Gulf's beautiful sugar sand beaches, while Tampa and St. Petersburg are just a short drive away. Boating enthusiasts will appreciate having multiple boat ramps nearby. Seminole is also known for its schools and outstanding community amenities. The nearby Seminole Recreation Center offers fitness facilities, basketball, pickleball and racquetball courts, athletic fields, a seasonal family pool, playground and recreational programs for children, adults and seniors. With its three separate living and entertaining spaces, renovated kitchen and bathrooms, newer roof, HVAC and electrical panel, hurricane protection, screened outdoor living space and desirable Seminole location, this home offers a compelling combination of comfort, flexibility, convenience and Florida lifestyle. Make this your next home!

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The essentials

Built
1973
Price / sqft
$280
On market
51 days
Annual tax
$5,003
Flood zone
X · Low risk
Lot
8,773 sqft
Type
Single Family Residence

At a glance

Single family
Built 1973
2 car garage
8,773 sqft lot
Lot size
2,321 sqft
Living area

Payment

Est. monthly payment
$4,126/mo
Down payment (20%)
$129,800
Property taxes
$417/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1973
Lot
8,773 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
51
Ceiling Fans(s)
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Walk-in Closet(s)
Hurricane Shutters
Rain Gutters
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Oakhurst Elementary-PN
Middle
Seminole Middle-PN
High
Seminole High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,003
Parcel #
20-30-15-93529-001-0170

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Urban Lake Estates 2nd Add
County
Pinellas
MLS Area
33776 - Seminole/Largo
Lot Size
8,773 sqft

Price history

Date
Event
Price
8/21/2026
Listed for sale
Source: Stellar MLS #TB8539196
$649,000
$280/sqft

Neighborhood

13635 97th Ter
Seminole, FL, 33776 · 33776 - Seminole/Largo

Market insights

Offer Insights

Choose an offer strength

List price: $649,000
$635,000 – $649,000
98% – 100% of listTops out right at the list price
80% of listList price
44 of the last 86 home closings in 33776 landed at this number or higher (51%). The median one sat 24 days before it went under contract, and this one is on day 51.

Sample: 86 closed home sales in 33776 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,126/mo
Principal & interest$3,385
Property taxes$417
Insurance$325
Down payment20% · $129,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$649,000

$280 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,321 sq ft

Time on market

51 days

Year built

1973

Monthly payment

About $4,126/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,003 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byNEXTHOME GULF COASTListing agent: Tony AndersonListing data from Stellar MLS, MLS# TB8539196.

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