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10746 109th St, Seminole, FL, 33778

$226/sqft·Pine Grove Estates

3 bd2 ba1,770 sqftSingle Family
Listed by BHHS FLORIDA PROPERTIES GROUP· Last updated · MLS# TB8521757

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Est. monthly payment
$2,903/mo
Down payment (20%)
$79,980
Property taxes
$617/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1957
6,599 sqft lot
Lot size
1,770 sqft
Living area

About this home

Ceiling Fans(s)Kitchen/Family Room ComboSplit BedroomWalk-in Closet(s)SidewalkCooktopDishwasherElectric Water Heater

10746 109th St is a 1957-built home in Pine Grove Estates, Seminole. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,770 square feet of living space. Listed at $399,900 (about $226/sqft), 42 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Price improvement - now $399,900! Welcome home to this charming 3-bedroom, 2-bath split-plan home ideally located in the desirable Seminole/Largo area in unincorporated Pinellas County! From the moment you arrive, you'll appreciate the oversized driveway and convenient double swing gate off to the side offering additional parking space to store a small boat or trailer behind the fence.At the heart of the home, the nicely updated kitchen features granite countertops, stainless steel appliances, a subway tile backsplash, and overlooks the main living areas with wood-look tile flooring throughout. The thoughtful split-bedroom layout offers privacy, with two well-sized guest bedrooms at the front of the home with an updated guest bathroom featuring a granite-topped vanity, subway tile, and a tub/shower combination. The spacious primary suite is tucked away at the rear of the home and offers a large walk-in closet and an updated ensuite bath complete with granite vanity, a frameless glass walk-in shower, and floor-to-floor tile surround. An inside utility room provides added convenience along with additional storage space. Step outside to the generously sized backyard with plenty of room to entertain, relax, or even add the pool of your dreams. New roof (2025), AC (2017), Mini-split (2020), Water Heater (2017), Stainless steel appliances (2021) Located in Unincorporated Pinellas County, this home offers added flexibility while being just minutes from the Florida Botanical Gardens, Walsingham Park,, Gulf Beaches, Shopping, dining, and approximately 30 minutes to Tampa International Airport. Best of all, this home is not located in a flood zone, so no flood insurance is required.

The essentials

Built
1957
Price / sqft
$226
On market
67 days
Annual tax
$7,407
Flood zone
X · Low risk
Lot
6,599 sqft
Type
Single Family Residence

Location

10746 109th St
Seminole, FL, 33778·33778 - Largo/Seminole
Type
Single Family Residence
Year Built
1957
Lot
6,599 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central
Parking
Boat, Driveway
Days on Market
67
Ceiling Fans(s)
Kitchen/Family Room Combo
Split Bedroom
Walk-in Closet(s)
Sidewalk
Cooktop
Dishwasher
Electric Water Heater
Microwave
Refrigerator

Elementary

Starkey Elementary-PN

Middle

Osceola Middle-PN

High

Seminole High-PN

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

Flood Zone X

Annual Tax (2025)

$7,407

Parcel #

15-30-15-69282-000-0310

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

Pine Grove Estates

County

Pinellas

MLS Area

33778 - Largo/Seminole

Lot Size

6,599 sqft

Date
Event
Price
8/17/2026
Price change
Source: Stellar MLS #TB8521757
$399,900-2.4%
$226/sqft
Price change
Source: Stellar MLS #TB8521757
$409,900-2.4%
$232/sqft
7/9/2026
Listed for sale
Source: Stellar MLS #TB8521757
$420,000+134.6%
$237/sqft
8/1/2005
Sold
Source: Pinellas County Public Record
$179,000
$101/sqft
Est. monthly payment$2,903/mo
Principal & interest$2,086
Property taxes$617
Insurance$200
Down payment20% · $79,980
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.

Offer Insights

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List price: $399,900
$390,000 – $399,900
97.7% – 100% of listTops out right at the list price
80% of listList price
32 of the last 62 home closings in 33778 landed at this number or higher (52%). The median one sat 38 days before it went under contract, and this one is on day 67 after a $20,100 cut.

Sample: 62 closed home sales in 33778 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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