116 ELMWOOD CIRCLE, Seminole, FL, 33777 | $245,000

Under contract-accepting backup offers. Welcome to The Gardens—a beautifully maintained 55+ community set along the Seminole Bypass Canal and surrounded by lush landscaping, walking paths, and inviting clubhouse amenities. The Gardens is composed of multiple associations, each with its own board, pool, and amenities. Elmwood Circle sits on the canal side, offering peaceful scenery and close proximity to the tennis and pickleball courts. This corner unit features extra windows for abundant natural light and two parking spaces (#116) right in front of the building with guest parking nearby. This spacious 2-bedroom + office, 2-bath end-unit condo offers 1, 480 sq. ft. of open and comfortable first-floor living, just steps from the heated pool. Inside, the updated interior showcases tile flooring throughout and an open-concept living and dining area leading to a bright kitchen with white shaker cabinetry with crown molding, white appliances, light blue glass-block subway tile backsplash, above and under-cabinet lighting, stainless farmhouse sink with sprayer faucet and soap dispenser, closet pantry, and breakfast bar. The enclosed Florida room extends the living space and overlooks greenbelt views—perfect for morning coffee or evening relaxation. A hallway separates the bedrooms from the main living area. The primary suite features four windows with two nearly floor-to-ceiling vertical windows, a walk-in closet, and a private en-suite bath with granite vanity and tiled walk-in shower. Both bedrooms include white shutters and matching ceiling fans. The third room is ideal as an office, TV room, guest space, or craft room—and includes the in-unit washer and dryer, a rare feature since most condos here use the shared laundry at the clubhouse. Additional storage includes an entryway closet (great for beach gear or pantry overflow) and a large utility closet with shelving that houses the electric water heater and A/C handler.
Recent updates:
• 2021 Impact-rated windows
• Shutter shades in both bedrooms
• Levolor blinds throughout rest of home
• High-quality Daltile “Saddle Brook – Oak Trail” glazed porcelain plank tile (6”x36”, installed 2021) — durable, scratch- and moisture-resistant, with the warm look of natural wood
• 2022 A/C handler & condenser
• 2021 properly placed electrical panel.
Community amenities include cable & internet, heated pool, tennis, pickleball, shuffleboard courts, clubhouse, and walking sidewalks. The monthly fee of $686 covers water, sewer, trash, internet, cable, exterior insurance, and maintenance—providing an easy, low-maintenance lifestyle. The carports were recently redone by the association. Pet-friendly (1 pet up to 15 lbs). The pool area features plenty of loungers plus a community grill and covered patio seating. From the Florida room, a lighted sidewalk leads directly to the pool—no need to walk through grass! This location offers a peaceful, natural setting for walking or biking within The Gardens, and Lake Seminole Park offers a wide range of outdoor activities and trails right next door. Only about 5 miles to the beaches, and plenty of restaurants and shopping nearby. This home offers both tranquility and convenience. Owner-occupied—be sure to view the virtual tour, then schedule an in-person showing with your Realtor.

Features

  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 2
  • Amenities: Cable TV, Clubhouse, Laundry, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Tennis Court(s), Vehicle Restrictions
  • Rooms: 10
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Closet, Same Floor As Condo Unit, Washer Hookup
  • Complex: GARDENS THE CONDO
  • Year Built: 1974
  • Approx Sq. Feet: 1,480
  • Acreage: 4
  • Est. Taxes: $1,041
  • Condo Fee: $686 Monthly
  • View: Park/Greenbelt
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Size Limit, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8431584
  • Days on Market: 28 days
  • Website: https://www.raveis.com
    /prop/TB8431584/116elmwoodcircle_seminole_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 12/8/2025 11:38:20 PM)

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116 ELMWOOD CIRCLE, Seminole, FL, 33777

$245,000

Sharon McMahon

Licensed Salesperson

William Raveis Real Estate

Phone: 617.594.8320

Sharon.McMahon@raveis.com

Kate Rockett

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 617.281.4872

Kate.Rockett@raveis.com

NMLS Mortgage Loan Originator ID 1500191

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $196,000 $196,000 $196,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.571% 6.533% 5.668%
Monthly Tax Payment $87 $87 $87
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,159 $1,223 $1,589
Total Monthly Payment $1,321 $1,385 $1,751

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.