14521 CATALINA CIRCLE, Seminole, FL, 33776 | $325,000

This turnkey, corner-unit townhome in Catalina Cove delivers immediate structural value with a * FULL QUAD UNIT REPLACEMENT ROOF (JUNE 2024) and *FULL WINDOW AND DOOR REPLACEMENT (2021). Located a 7-minute drive from Indian Rocks Beach and 3 minutes from Seminole City Center, the property pairs direct coastal access with long-term financial stability and some of the lowest HOA fees near the water. A private gated entryway opens into a large, screened ground-level patio, offering a dedicated outdoor living space for grilling, alongside an enclosed side storage area. Inside, the move-in ready layout is filled with natural light. Coastal vinyl plank flooring runs continuously through the entire living space. The living room is anchored by a functional, wood-burning fireplace updated with a custom stone surround and shiplap walls (2021). The updated kitchen centers on a 70x70-inch custom quartz island seating eight to ten people. Solid wood shaker-style cabinets and a full suite of * NEW APPLIANCES (2021) provide durable, daily utility. Temperature control is handled by an *AC PACKAGE UNIT (NOV 2021) with documented yearly maintenance, supported by an UPDATED WATER HEATER (2019). A full-size washer and dryer area adds lower-level convenience, paired with a downstairs bathroom. Upstairs, two bedrooms feature wall-to-wall dual closets and ceiling fans. The primary bedroom offers DIRECT EN-SUITE access to the second-floor bathroom, which includes a full-size step-in shower, extended vanity, and linen closet. Both the upstairs and downstairs BATHROOMS FEATURE MIRACLE METHOD surface installations for incredibly easy cleaning and durability. Sliding glass doors open from both bedrooms to an elevated second-story deck. A fully updated *TOP DECK AWNING (2025) and ceiling fan turn this deck into an all-weather space, ideal for a mini-fridge and coffee bar. A flat HOA fee covers water, sewer, trash, exterior building paint, reserves, exterior pest control, lawn care, tree trimming, and liability insurance. The unit includes an assigned covered parking space directly outside the front door and access to ample guest parking. Neighborhood amenities feature a year-round heated and chilled pool, plus lighted tennis and pickleball courts. Step out your door and follow the paved paths to the community seawall to launch a kayak or paddleboard directly into the Intracoastal Waterway. Bypass the renovation delays and secure this upgraded, waterfront-adjacent property today.

Features

  • Amenities: Pickleball Court(s), Pool, Tennis Court(s)
  • Rooms: 9
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 1980
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,564
  • Acreage: 0.1
  • Est. Taxes: $3,550
  • HOA Fee: $360 Monthly
  • Lot Desc: Cul-De-Sac, Near Golf Course, Near Marina, Sidewalk
  • Elem. School: Oakhurst Elementary-PN
  • Middle School: Seminole Middle-PN
  • High School: Seminole High-PN
  • Pet Policy: Size Limit, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8509532
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8509532/14521catalinacircle_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 5/24/2026 5:31:06 AM)
Listing courtesy of MARK SPAIN REAL ESTATE   Phone: 855-299-7653

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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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14521 CATALINA CIRCLE, Seminole, FL, 33776

$325,000

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 $260,000 $260,000 $260,000
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 $296 $296 $296
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,601 $1,642 $2,159
Total Monthly Payment $1,972 $2,013 $2,530

* 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.