Krystina Allen

13798 74TH AVENUE, SEMINOLE, FL, 33776

Active4 days on marketListed Aug 14, 2026MLS #TB8538811

HARBOR VIEW 4

About this home

13798 74TH AVENUE

A RARE OPPORTUNITY TO OWN APPROXIMATELY TWO ACRES AND 130 FEET OF WATERFRONT IN ONE OF THE MOST LAND-CONSTRAINED AREAS OF PINELLAS COUNTY. Located in Seminole just minutes from the Gulf beaches, this is not a typical waterfront homesite. It is an estate-sized parcel combining acreage, waterfront, RR zoning, no HOA, and a location that is increasingly difficult to duplicate. With approximately 87,000 square feet of land, the scale of this property is immediately different from the standard residential lots that dominate coastal Pinellas. RR zoning is specifically designed for larger, lower-density residential properties and offers generous building parameters. The result is the space to build a true custom waterfront estate with meaningful separation from neighboring properties and room for the features that require real land: an expansive residence, pool and outdoor living, detached structures, recreational space, gardens and open grounds. The zoning also allows horses, a remarkable combination this close to the Gulf Coast. Approximately 130 feet of waterfront further separates this property from the typical coastal homesite. The property fronts Boca Ciega Bay, creating an opportunity to build around the water while maintaining the privacy and scale of an estate setting. And then there is the location. Tucked away at the end of 74th Avenue in unincorporated Seminole, the property is only minutes from Indian Shores, Redington Shores and the Gulf of Mexico. Boca Ciega Millennium Park is located along the same 74th Avenue corridor, offering waterfront trails, boardwalks and access to Boca Ciega Bay. Seminole City Center, shopping, dining, entertainment and everyday conveniences are all nearby, while Clearwater and St. Petersburg remain easily accessible. That combination is what makes this property so difficult to replace. Pinellas County is already heavily developed, and opportunities to acquire significant residential acreage are limited. Move that acreage close to the Gulf, and it becomes even harder to find. Put approximately two acres directly on the water, add roughly 130 feet of waterfront, RR zoning, generous building parameters and no HOA, and you have a property that stands in a category of its own. You can change a house. You can redesign a floor plan. You can rebuild, renovate, and customize. **What you cannot recreate is two acres of waterfront land in Seminole, minutes from the Gulf beaches.** For the buyer looking to build something substantial rather than settle for another standard waterfront lot, this is the opportunity.

Facts & features

The home at a glance

2 ac

Lot size

Water view

Inside

Outside & construction

ViewWater

Community & fees

Taxes (2025)$15,967/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,262 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,396
PMI (est., until 20% equity)$375
Property tax — 2025 actual bill$1,331
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $100,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $100,000
Interest rate6.00%
Loan term

Estimated payment

$7,262/mo

Principal & interest$5,396
PMI (est., until 20% equity)$375
Property taxes (actual bill)$1,331
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Seminole

Map of 13798 74TH AVENUE

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)38 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Seminole. See the full Seminole guide →

SEMINOLE 33776 — neighborhood snapshot

Population

12,711

Median age

50.6

Median income

$101,618

Median home value

$436,700

Avg household

2.54

Households w/ children

1,116

For the school run

Pinellas County School District

MiddleSeminole Middle School★★★★★
ElementaryBauder Elementary School★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Seminole market

Seller’s marketLeans seller3.2 months of inventoryBuyer’s market

$405K$450K

Seminole median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 100% above the SEMINOLE 33776 median. See the full Seminole market guide →

Paper trail

This home's history

Aug 14, 2026Listed at $999,999 · 4 days on market since

Reality check

What actually sold near 13798 74TH AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

13702 76TH TERRACESold · Dec ’25

$795,000

13702 76TH TERRACE · same community

3 bd · 2 ba · 1,991 sqft · $399/sqft · 14 DOM

13781 74TH AVENUESold · May ’26

$750,000

13781 74TH AVENUE · same community

4 bd · 2.5 ba · 2,299 sqft · $326/sqft · 33 DOM

13780 76TH AVENUESold · Dec ’25

$915,000

13780 76TH AVENUE · same community

4 bd · 3.5 ba · 2,692 sqft · $340/sqft · 14 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Krystina Allen

Your agent

Krystina Allen

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 13798 74TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13798 74TH AVENUE — before you fall in love.

See it in person

Schedule a tour

Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

13798 74TH AVENUE FAQs

What would the monthly payment be for 13798 74TH AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,262/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 13798 74TH AVENUE?+

The most recent tax bill on record (2025) was $15,967. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Seminole?+

At $999,999, this home is listed about 160% above the Seminole median of $384,250. The market section on this page shows how the area is trending.

Which schools are assigned to 13798 74TH AVENUE?+

Seminole Middle School (middle), Bauder Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$999,999 runs 100% above the SEMINOLE 33776 median.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 4 days on market in a Seminole market that averages 47 — if it fits, move quickly.

04Strong assigned schools

Seminole Middle School, Bauder Elementary School, Richard O Jacobson Technical High School At Seminole — Bauder Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of EXP REALTY LLC · Carolina Aguiar. MLS #TB8538811.

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 is deemed reliable but is not guaranteed accurate by Stellar MLS.

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