9920 INDIAN KEY TRAIL UNIT 29, SEMINOLE, FL, 33776
Active3 days on marketListed Aug 6, 2026MLS #TB8536524
About this home
9920 INDIAN KEY TRAIL UNIT 29
Waterfront Living in Tara Cay – Don't Miss This Opportunity! Florida waterfront living is calling in this beautifully updated 3-bedroom, 3-bath waterfront townhome in highly desirable Tara Cay Sound. Enjoy direct canal access, a new seawall and private dock (2022/2023) just steps from your back door, perfect for boating, kayaking, fishing, and taking in spectacular Florida sunsets and wildlife. Inside, you'll find a bright, open floor plan featuring two spacious upstairs ensuite bedrooms, including a canal-front primary suite with dual walk-in closets, plus a first-floor bedroom and full bath ideal for guests or a home office. Major updates have already been completed, including new plumbing, HVAC, updated electrical, stainless steel appliances, butcher block countertops, farmhouse sink, remodeled bathrooms, new carpet, fresh paint, water softener, hurricane shutters on waterfront windows, and a new roof (2021). One of the lowest HOA fees in Pinellas County includes cable, internet, water, sewer, trash, landscaping, pool, and dock maintenance. This pet-friendly community welcomes large dogs and is conveniently located minutes from Indian Rocks Beach, Seminole City Center, the Pinellas Trail, Walsingham Park, Clearwater, St. Petersburg, Tampa, shopping, dining, and top-rated schools. Move-in ready waterfront homes with a private dock at this price are hard to find—schedule your private showing today before it's gone!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,749
Sqft
0.05 ac
Lot size
1
Garage
1994
Year built
Three Or More
Levels
$264
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,990 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,990/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.8%
$/sqft vs Seminole actives
$264 vs $249
Days on market
3 vs 44 typical
Where $264/sqft sits among the 286 Seminole actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Tara Cay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Tara Cay — neighborhood snapshot
Population
632
Median age
60
Median income
$87,375
Median home value
$433,200
Avg household
2
Households w/ children
32%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Seminole market
$405K → $450K
Seminole median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
161 of 286
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 9920 INDIAN KEY TRAIL UNIT 29
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$436,900
9730 INDIAN KEY TRAIL UNIT 114 · same community
3 bd · 3 ba · 1,749 sqft · $250/sqft · 117 DOM
Sold · Jul ’26$450,000
9948 INDIAN KEY TRAIL UNIT 17 · same community
4 bd · 4 ba · 2,174 sqft · $207/sqft · 101 DOM
Sold · May ’26$319,000
9720 INDIAN KEY TRAIL UNIT 117 · same community
3 bd · 4 ba · 2,174 sqft · $147/sqft · 723 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.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9920 INDIAN KEY TRAIL UNIT 29 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9920 INDIAN KEY TRAIL UNIT 29 — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9920 INDIAN KEY TRAIL UNIT 29 FAQs
What would the monthly payment be for 9920 INDIAN KEY TRAIL UNIT 29?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,990/mo — principal and interest, the actual property-tax bill, the $422/mo association fee 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.
How much are the HOA fees at 9920 INDIAN KEY TRAIL UNIT 29?+
The association fee works out to $422 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9920 INDIAN KEY TRAIL UNIT 29?+
The most recent tax bill on record (2025) was $5,804. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 9920 INDIAN KEY TRAIL UNIT 29?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Seminole?+
At $462,000, this home is listed about 19% above the Seminole median of $387,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9920 INDIAN KEY TRAIL UNIT 29?+
Oakhurst Elementary School (elementary), Seminole Middle School (middle), 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
01Under the SEMINOLE 33776 market on paper
$462,000 is 8% below the SEMINOLE 33776 median of $499,900.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Seminole market that averages 44 — if it fits, move quickly.
04Strong assigned schools
Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP INNOVATION · Jeanne Roney. MLS #TB8536524.
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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