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Tucked away in the established Whispering Pines neighborhood of unincorporated Seminole, just a quick 5-minute drive to Indian Rocks Beach, this beautifully refreshed split-level Florida ranch invites you in with space, flexibility, and endless opportunity to make it your own. Step inside and you’re immediately welcomed into a layout designed for gathering. The main level offers multiple living and entertaining spaces that flow effortlessly together, including a spacious downstairs retreat that opens directly out to the pool—perfect for hosting, relaxing, or creating your ideal indoor-outdoor lifestyle. Just off the kitchen, a versatile bonus space gives you options for a formal dining room, home office, or game room—whatever fits your season of life. Upstairs, all four bedrooms are thoughtfully tucked away, creating a private retreat from the main living areas. The oversized primary suite overlooks the pool and backyard and features its own en-suite bath, while three additional generously sized bedrooms and a full bathroom provide plenty of space for family or guests. Out back is where the vision really comes to life. The pool has been completely refreshed with a new pebble finish and light (2026), and the lot itself has been cleared—offering a true blank slate to design your dream outdoor space. Whether it’s a putting green, pickleball court, fire pit lounge, or an expansive entertaining area, this backyard is ready to become whatever you imagine. Thoughtful improvements bring peace of mind, including a brand-new roof (2026) and over $10, 000 in tree removal to open up the property and maximize usability. Located in an AE flood zone, the home experienced minor water intrusion during recent storms, with all affected drywall, flooring, and baseboards professionally remediated and restored. Currently operating as a successful Airbnb, this home offers flexibility for those looking to invest, settle in full-time, or enjoy the best of both worlds. Complete with a 2-car garage and just minutes from the beach, dining, and shopping, this is a property that truly adapts to your lifestyle. Spend your mornings at the beach, your afternoons by the pool, and your evenings creating the kind of space you’ve always envisioned—this is Florida living with room to grow.
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Our Executive Mortgage Banker:
Our Insurance Division:
$800,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $640,000 | $640,000 | $640,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.250% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.324% | 6.398% | 5.614% |
| Monthly Tax Payment | $919 | $919 | $919 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,786 | $3,941 | $5,187 |
| Total Monthly Payment | $4,797 | $4,952 | $6,198 |
* 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.