14521 CATALINA CIRCLE, SEMINOLE, FL, 33776
Active82 days on marketListed May 17, 2026MLS #TB8509532
About this home
14521 CATALINA CIRCLE
Virtually Staged. Please note some photos have been virtually staged. Discover the ultimate coastal lifestyle without the premium waterfront taxes, high insurance costs, or expensive dock maintenance. This turnkey corner and end unit townhome offers absolute financial predictability by grouping all major updates upfront: a FULL QUAD UNIT REPLACEMENT ROOF (JUNE 2024), FULL WINDOW AND DOOR REPLACEMENT (2021), AC PACKAGE UNIT (2021), and updated WATER HEATER (2019). Enjoy quiet privacy with no upstairs neighbors and an INCREDIBLY LOW HOA of 360 dollars monthly. Inside, the move in ready layout maximizes natural light with coastal vinyl plank flooring running continuously through the main living space. The living room features a functional wood burning fireplace updated with a custom stone surround and shiplap walls (2021). The updated kitchen centers on a massive 70 by 70 inch custom quartz island seating eight to ten people. Solid wood shaker style cabinets and a full suite of NEW APPLIANCES (2021) ensure durable daily utility. A full size washer and dryer area provides lower level convenience accompanied by a downstairs bathroom. A private gated entryway leads to a large screened ground level patio creating a dedicated outdoor living space for grilling along with an enclosed side storage area. Upstairs two spacious bedrooms feature wall to wall dual closets and ceiling fans. The primary bedroom offers direct en suite access to the second floor bathroom equipped with a full size step in shower, extended vanity, and linen closet. Both bathrooms feature Miracle Method surface installations for high durability and easy cleaning. Sliding glass doors open from both bedrooms to an elevated second story deck. A fully updated TOP DECK AWNING (2025) and ceiling fan transform this space into an all weather extension of your floor plan. The comprehensive HOA covers water, sewer, trash, exterior building paint, reserves, exterior pest control, lawn care, tree trimming, and liability insurance. The property includes an assigned covered parking space directly outside your front door and access to ample guest parking. Enjoy year round community amenities including a heated and chilled pool plus lighted tennis and pickleball courts. Skip the premium price tag and simply step out your door to follow the paved paths to the community seawall to launch a kayak or paddleboard directly into the Intracoastal Waterway.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,564
Sqft
0.1 ac
Lot size
1980
Year built
Two
Levels
$201
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.
$2,810 /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
$2,810/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
−43.7%
$/sqft vs Seminole actives
$201 vs $253
Days on market
82 vs 43 typical
Where $201/sqft sits among the 285 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 Clearwater Cove
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Clearwater Cove — neighborhood snapshot
Population
78
Median age
60
Median income
$87,375
Median home value
$433,200
Avg household
2
Households w/ children
6%
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 → $405K
Seminole median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
160 of 285
Seminole actives have cut their price
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the SEMINOLE 33776 median. See the full Seminole market guide →
Paper trail
This home's history
Reality check
What actually sold near 14521 CATALINA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$319,000
14519 CATALINA CIRCLE · same community
2 bd · 2 ba · 1,564 sqft · $204/sqft · 141 DOM
Sold · Feb ’26$380,000
9386 TRADEWINDS AVENUE · same community
2 bd · 2 ba · 1,440 sqft · $264/sqft · 57 DOM
Sold · Sep ’25$412,500
9446 TRADEWINDS AVENUE · same community
2 bd · 2 ba · 1,440 sqft · $286/sqft · 6 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
Janet Bowlin
Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 14521 CATALINA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14521 CATALINA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Janet's phone and CRM.
Straight answers
14521 CATALINA CIRCLE FAQs
What would the monthly payment be for 14521 CATALINA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,810/mo — principal and interest, the actual property-tax bill, the $360/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 14521 CATALINA CIRCLE?+
The association fee works out to $360 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 14521 CATALINA CIRCLE?+
The most recent tax bill on record (2025) was $3,550. 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 14521 CATALINA CIRCLE?+
The listing reports pets: Size Limit, 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 $315,000, this home is listed about 19% below the Seminole median of $387,000. The market section on this page shows how the area is trending.
Which schools are assigned to 14521 CATALINA CIRCLE?+
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
Three things that matter here
01Under the SEMINOLE 33776 market on paper
$315,000 is 37% below the SEMINOLE 33776 median of $499,900, and at $201/sqft it sits under the Seminole average of $256.
02Strong 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.
03The price has already moved
Listed at $325,000, now $315,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Roxanne Mestre. MLS #TB8509532.
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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