9870 Indian Key Trail, FL
Stellar MLS
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$350,000

9870 Indian Key Trail

Seminole, FL 33776

Listing updated: August 25, 2026 at 7:34 PM ET

Active
Stellar MLSListing courtesy of Smith & Associates Real Estate · Adrienne Dauses · MLS #TB8542207 · Active · 727-282-1788
3
Beds
3
Baths
1,749
Sq Ft
0.03
Acres
1994
Built
WaterfrontWater access$200/sqft
Townhouse

Property type

1994

Year built

1,381 sqft

Lot size

$200

Price / sq ft

$422/mo

HOA dues

0

Days on market

2

Garage spaces

AE

Flood zone

About this home

WATERFRONT VALUE-ADD OPPORTUNITY — This spacious 3-bedroom, 3-bath waterfront townhome offers nearly 2,000 sq. ft. of living space, tranquil water views, multiple screened balconies and decks, and a setting that feels like a private coastal retreat — offered AS-IS and Priced for Condition. Here's what makes this one worth a serious look: the capital-intensive work is already behind you. The kitchen was remodeled in 2020 with granite countertops, custom tile backsplash, stainless steel appliances, abundant cabinetry, a breakfast bar, and a walk-in pantry. The A/C system was installed in 2018 and the water heater in 2019. What remains is cosmetic — paint, flooring, finishes, and personal taste — the kind of scope a buyer controls on their own timeline and budget. Updated units in this community command meaningfully stronger pricing. That difference is left on the table here. Step inside to an open-concept living and dining area oriented to the waterfront views. Sliding glass doors extend the living space onto a private screened balcony overlooking the water — morning coffee, evening cocktails, outdoor dining, or simply watching the boats and wildlife go by. Upstairs, two generously sized primary-style suites each offer a private bath and flexible sitting or office space. The waterfront suite features vaulted ceilings, two walk-in closets, a private screened balcony, and an updated en-suite bath with granite finishes and a spacious tiled walk-in shower. Outdoor living is the defining feature, with three separate waterfront spaces extending from the ground floor, the main living level, and the primary bedroom. The sparkling community pool is only steps away, yet the home maintains a peaceful and private waterfront atmosphere. Ideally located just minutes from the Gulf beaches, parks, boat ramps, restaurants, shopping, and everything the surrounding beach communities have to offer, Tara Cay combines the freedom of waterfront living with the ease of a low-maintenance townhome lifestyle. Three levels of waterfront enjoyment, boating access, beautiful updates, and Florida living from sunrise to sunset—this is the coastal lifestyle you've been waiting for. The systems that typically consume a renovation budget are already handled. Offered AS_IS and priced for condition, with the upside left on the table for the next owner. Investors and renovation-minded buyers are encouraged to run their numbers and take a hard look. Cash offers preferred; proof of funds required with all offers. Seller is positioned to close quickly and cleanly — no repair negotiations, no appraisal contingency to manage .

Estimated monthly payment

Principal & interest$1,770
Property taxes$484
Home insurance (est.)$160
HOA dues$422

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history0 days on market

  1. Status: Active
    Aug 25, 2026
  2. Listed$350,000
    Aug 25, 2026
  3. Price increased$350,000

Facts & features

Property type
Residential
Sub type
Townhouse
Status
Active
Days on market
0
Cumulative DOM
23
Subdivision
Tara Cay Sound South
County
Pinellas
Year built
1994
Living area
1,749 sq ft
Price/sq ft
$200
Lot size
1,381 sq ft
Lot category
0 to less than 1/4
Flood zone
AE (12103C0177H)
Garage
2 spaces
Annual taxes
$5,804 (2025)
Parcel #
19-30-15-89773-000-0640
Zoning
RPD-10
MLS #
TB8542207

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Interior Details

Bedrooms
3
Full bathrooms
3
Flooring
Luxury Vinyl, Tile, Wood
Appliances
Cooktop, Dishwasher, Electric Water Heater, Range, Refrigerator
Interior features
Ceiling Fans(s), Split Bedroom, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s)
Laundry
Laundry Closet
Stories / Levels
Three Or More
Direction faces
Southeast

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Assigned, Driveway, Garage Door Opener, Ground Level, Guest, Open, Tandem, Workshop in Garage

HOA & Financial

HOA fee
$422 / Monthly
Monthly HOA
$422/mo
Total monthly fees
$422/mo
Total annual fees
$5,064
HOA name
PMI Tampa
CDD
No
Homestead exemption
Yes
Min lease term
2 Weeks
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Please contact the HOA for lease restrictions.
Approval process
Please contact the HOA for the approval process.

Exterior & Construction

Exterior features
Lighting, Other, Private Entrance, Sidewalk
Construction materials
Vinyl Siding, Frame
Roof
Shingle
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Available, Cable Connected, Electricity Connected

Community

Pets allowed
Number Limit

Room Details

RoomLevelDimensions
KitchenFirst
Primary BedroomSecond
Living RoomFirst

Listing Details

Listing date
2026-08-22
On market date
2026-08-25
Original list price
$350,000
Occupant type
Vacant
MLS area
33776 - Seminole/Largo
Listing AOR
Suncoast Tampa
Status changed
2026-08-25
Tax legal description
TARA CAY SOUND, SOUTH VILLAGE, PHASE I LOT 64

Flood risk

High riskFEMA Zone AEPanel 12103C0177H

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

West on 102nd Ave N. South (right) on Hamlin Blvd. Right on Seminole Trail into Tara Cay. Left on Indian Key Trail. Home is on your right.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of August 25, 2026 at 7:34 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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