9936 INDIAN KEY TRAIL, #22, Seminole, FL, 33776 | $440,000

Think the perfect low maintenance WATERFRONT LIVING can’t be yours? THINK AGAIN! Old Florida charm and the perfect Florida waterfront lifestyle are YOURS in this spacious peaceful high and dry elevation (level 2) 3-floor townhome with multiple water views and dock access located in the highly sought after city of Seminole. This is the perfect space to have your key lime pie…and eat it too!
All the joys of living on the water and none of the stress!
With TWO large living rooms on separate floors (with one being on the ground floor that can be easily converted to a 4th bedroom and has a full bathroom on this first floor), this home seems like two homes in one and works great for multigenerational families or company that comes frequently!
The open concept second floor living space has a kitchen with beautiful custom solid wood cabinetry with crown molding, stone countertops, and a high end wood range hood combined with the beautiful designer dining room chandelier and spacious living room that leads out to your screened in balcony overlooking the tranquil water leading out into the bay.
Upstairs on the third floor (which is handicap accessible) you will find that there are basically two primary suites with high cathedral ceilings! The primary with the waterfront view has not one, but TWO large walk-in closets, an en-suite bathroom, and a private screened-in balcony overlooking the sparkling water while the other also has its own en- suite bathroom, double built-in closets, and bonus space with built-in shelving and vaulted ceiling perfect for a home office or workout area! The third bedroom is located on the second floor and has a built-in closet with a large extra storage compartment inside.
Downstairs to the first floor (handicap accessible) you will find a second living space and full bathroom! Perfect for guests, family, or just extra space to entertain. The sliding glass doors open to the gated back porch with views of the wildlife and water with a pathway leading out to the dock for fishing, hopping on your canoe, kayak, paddleboard, or just simply sitting, watching, and listening to nature in this protected tropical preserve. All sliding glass doors are equipped with electronic storm shutters for extra wind protection.
This beautiful and peaceful community is both pet friendly and has a heated pool with lounge chairs and tables making being social a breeze and features plenty of guest parking.
Updates include: Acorn electronic handicap chair lift for stair access to all three floors (removable), Hurricane grade garage door, hurricane shutters on all glass doors, New A/C (2025), New Roof (2025), High end Bosch dishwasher (2024), High-end chandelier, kayak rack in garage.

Features

  • Rooms: 12
  • Bedrooms: 3
  • Baths: 4 full
  • Laundry: Inside, Laundry Closet
  • Year Built: 1995
  • Garage: 1-car Garage Door Opener, Ground Level, Guest
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,174
  • Acreage: 0.05
  • Est. Taxes: $2,496
  • HOA Fee: $390 Monthly
  • Lot Desc: Conservation Area
  • View: Water
  • Water Front: Yes
  • Elem. School: Oakhurst Elementary-PN
  • Middle School: Seminole Middle-PN
  • High School: Seminole High-PN
  • Pet Policy: Dogs OK
  • Appliances: Cooktop, Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator
  • MLS#: TB8480244
  • Days on Market: 81 days
  • Website: https://www.raveis.com
    /prop/TB8480244/9936indiankeytrail_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 5/30/2026 4:11:34 AM)
Listing courtesy of NEXTHOME GULF COAST   Phone: 727-282-5151

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

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9936 INDIAN KEY TRAIL, #22, Seminole, FL, 33776

$440,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $352,000 $352,000 $352,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $208 $208 $208
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,108 $2,196 $2,900
Total Monthly Payment $2,391 $2,479 $3,183

* 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.