11987 106TH AVENUE, SEMINOLE, FL, 33778
Active219 days on marketListed Dec 27, 2025MLS #TB8457176
About this home
11987 106TH AVENUE
REDUCED PRICE - NO Hurricane Damage | NO Flood Insurance | NO HOA fees. Beautifully updated by choice—not necessity—this charming 3-bedroom, 2-bath ranch-style home AND A BONUS ROOM that would make a great game room, office or library. It could even be an extra bedroom if needed. The home also offers a fantastic 2-car garage with storage shelves & workbench area. The home sits approximately 60 above sea level, just a few miles from the Gulf of America. The home features a fully updated kitchen with elegant quartz countertops and new stainless steel appliances, complemented by new luxury vinyl flooring and fresh interior paint throughout. Major systems have been maintained, including a newer roof (5 years), HVAC system, and hot water heater, providing peace of mind for years to come. Additional upgrades include a ventilated garage with solar attic ventilation, enhancing energy efficiency. The fully fenced backyard is designed for low maintenance and maximum enjoyment, offering a private backyard oasis ideal for relaxation and entertaining. Highlights include a screened-in porch and a fully equipped outdoor kitchen, perfect for hosting gatherings year-round. Situated in a beautiful, established neighborhood, this home is conveniently located just minutes from parks, beaches, schools, shopping, and dining. A rare opportunity to own a beautifully maintained home in a desirable coastal area—without the need for flood insurance. Measurements are approximate.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,766
Sqft
0.14 ac
Lot size
2
Garage
1975
Year built
One
Levels
$300
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 — not generic estimates.
$3,702 /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
$3,702/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
+19.6%
$/sqft vs Seminole actives
$300 vs $253
Days on market
219 vs 44 typical
Where $300/sqft sits among the 289 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 Orangewood Highlands
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Orangewood Highlands — neighborhood snapshot
Population
896
Median age
47
Median income
$123,831
Median home value
$425,700
Avg household
3
Households w/ children
100%
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)
163 of 289
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 203% above the SEMINOLE 33778 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 11987 106TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$525,000
12021 107TH COURT · same community
3 bd · 2 ba · 1,502 sqft · $350/sqft · 17 DOM
Sold · Jan ’26$549,900
10600 119TH STREET · same community
4 bd · 3 ba · 2,032 sqft · $271/sqft · 12 DOM
Sold · Dec ’25$435,000
11983 106TH COURT · same community
3 bd · 2 ba · 1,232 sqft · $353/sqft · 18 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11987 106TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11987 106TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
11987 106TH AVENUE FAQs
What would the monthly payment be for 11987 106TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,702/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 11987 106TH AVENUE?+
The most recent tax bill on record (2024) was $2,248. 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 11987 106TH AVENUE?+
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 $530,000, this home is listed about 29% above the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 11987 106TH AVENUE?+
Oakhurst Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high), Seminole Middle School (middle) — 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
$530,000 runs 203% above the SEMINOLE 33778 median — but at 1,766 sqft it's also 16% larger than the typical Seminole listing.
02Time on market is leverage
219 days on market against a Seminole median of 44 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Oakhurst Elementary School, Richard O Jacobson Technical High School At Seminole, Seminole Middle School — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $550,000, now $530,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 COAST TO COAST · Janelle Makowski. MLS #TB8457176.
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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