9948 INDIAN KEY TRAIL, #17, Seminole, FL, 33776 | $488,500

Enjoy watching dolphins, manatees, and a variety of sea birds from one of three screened balconies overlooking a peaceful saltwater canal. This well-maintained three-story townhouse in the charming Tara Cay community offers one of the largest floor plans available and is ready for its next owner. The home features 4 spacious bedrooms, 4 full bathrooms, and a garage, making it ideal for multi-generational living, guests, or flexible space for a home office or game room. The first floor offers an excellent private in-law suite option, complete with a kitchenette, ensuite bathroom, and access to the screened lanai—providing a comfortable and private space for extended family or guests. The main living level features a bright and inviting living and dining area with luxury engineered hardwood flooring and neutral finishes throughout. The updated kitchen is equipped with quartz countertops, stainless steel appliances, a breakfast bar, and ample cabinet space, making it perfect for both everyday living and entertaining. Upstairs, the generously sized bedrooms include dual primary suites with his-and-hers walk-in closets and a porcelain-tiled primary shower. The laundry area is conveniently located on the third floor near the bedrooms, and the home offers abundant storage throughout. The roof was replaced in 2025, providing added value and peace of mind. Outdoor enthusiasts will appreciate the nearby kayak launch and the community dock located directly behind the unit where you can dock your boat. Residents also enjoy access to two community pools, and the HOA fees cover water, sewer, trash, basic cable, and community amenities. Located less than two miles from the Gulf beaches and close to the Florida Botanical Gardens, the Pinellas Trail, Publix, Walsingham Park, and top-rated Seminole schools, Tara Cay offers a peaceful setting with convenient access to shopping, dining, and everyday conveniences. Schedule your private showing today.

Features

  • Amenities: Pool
  • Rooms: 7
  • Bedrooms: 4
  • Baths: 4 full
  • Laundry: Inside, Laundry Closet
  • Year Built: 1994
  • Garage: 1-car Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,174
  • Acreage: 0.05
  • Est. Taxes: $4,029
  • HOA Fee: $420 Monthly
  • Water Front: Yes
  • Pet Policy: Number Limit, Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8482898
  • Days on Market: 47 days
  • Website: https://www.raveis.com
    /prop/TB8482898/9948indiankeytrail_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 5/25/2026 12:35:42 AM)
Listing courtesy of HECKLER REALTY GROUP LLC   Phone: 727-954-5199

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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:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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9948 INDIAN KEY TRAIL, #17, Seminole, FL, 33776

$488,500

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 $390,800 $390,800 $390,800
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $336 $336 $336
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,406 $2,468 $3,245
Total Monthly Payment $2,817 $2,879 $3,656

* 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.