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9870 INDIAN KEY TRAIL 64

Seminole, FL, 33776

Active Under Contract

$345,000

3

Bedrooms

3

Bathrooms

1,749 sqft

Living Area

1994

Year Built

$422

HOA / Monthly

15

Days on Market

Dock & Water AccessMLS

Canal FrontGulf/Ocean FrontWaterfrontCanal - Saltwater

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Under contract-accepting backup offers. WATERFRONT VALUE-ADD OPPORTUNITY — This spacious 3-bedroom, 3-bath waterfront townhome offers nearly 2,000 sq. ft. of living space, tranquil water views, multiple screened balconies and decks, and a setting that feels like a private coastal retreat — offered AS-IS and Priced for Condition. Here's what makes this one worth a serious look: the capital-intensive work is already behind you. The kitchen was remodeled in 2020 with granite countertops, custom tile backsplash, stainless steel appliances, abundant cabinetry, a breakfast bar, and a walk-in pantry. The A/C system was installed in 2018 and the water heater in 2019. What remains is cosmetic — paint, flooring, finishes, and personal taste — the kind of scope a buyer controls on their own timeline and budget. Updated units in this community command meaningfully stronger pricing. That difference is left on the table here. Step inside to an open-concept living and dining area oriented to the waterfront views. Sliding glass doors extend the living space onto a private screened balcony overlooking the water — morning coffee, evening cocktails, outdoor dining, or simply watching the boats and wildlife go by. Upstairs, two generously sized primary-style suites each offer a private bath and flexible sitting or office space. The waterfront suite features vaulted ceilings, two walk-in closets, a private screened balcony, and an updated en-suite bath with granite finishes and a spacious tiled walk-in shower. Outdoor living is the defining feature, with three separate waterfront spaces extending from the ground floor, the main living level, and the primary bedroom. The sparkling community pool is only steps away, yet the home maintains a peaceful and private waterfront atmosphere. Ideally located just minutes from the Gulf beaches, parks, boat ramps, restaurants, shopping, and everything the surrounding beach communities have to offer, Tara Cay combines the freedom of waterfront living with the ease of a low-maintenance townhome lifestyle. Three levels of waterfront enjoyment, boating access, beautiful updates, and Florida living from sunrise to sunset—this is the coastal lifestyle you've been waiting for. The systems that typically consume a renovation budget are already handled. Offered AS_IS and priced for condition, with the upside left on the table for the next owner. Investors and renovation-minded buyers are encouraged to run their numbers and take a hard look. Cash offers preferred; proof of funds required with all offers. Seller is positioned to close quickly and cleanly — no repair negotiations, no appraisal contingency to manage .

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Location

Seminole, FL, 33776

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of SMITH & ASSOCIATES REAL ESTATE via Stellar MLS

Last checked: 3 hours ago

Listing updated: September 10, 2026

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FEMA Flood Zone AE
BFE: 10ft

Special Flood Hazard Area

View FEMA Flood Map →

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20%

$69,000 down

%
Principal & Interest$1,790/mo
Property Tax (est. ~1.2%, varies by county)$345/mo
Home Insurance (est.)$250/mo
HOA Fees$422/mo
Total Monthly Payment$2,807
Loan Amount: $276,000Rate: 6.75%
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$345,000Tour the dockSchedule a Showing