12465 MONARCH CIRCLE, SEMINOLE, FL, 33772
Active107 days on marketListed Apr 7, 2026MLS #TB8494755
About this home
12465 MONARCH CIRCLE
Virtually Staged. So many wonderful things about this home. 1973 Original owner. This home has been lovingly maintained. Primary bedroom is downstairs with 3 spacious bedrooms upstairs. One bedroom has an additional space that was the owners sewing room. It would make a great large walk in closet, home office space, toy room etc. The backyard is HUGE with patio, would be perfect for entertaining, pets or sports. Kitchen is light and bright. Oversized 2 car garage and a shed. Lawn has a sprinkler system and well. The location is amazing. Walk to all 3 Seminole Schools, short drive to the beaches but very high and dry and in a non-evacuation zone. Many restaurants and shopping at the Seminole City Center just a short drive way. Don't miss this great opportunity. Roof is 20 years old (does not leak). Sellers willing to replace prior to closing with acceptable offer.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,612
Sqft
0.24 ac
Lot size
2
Garage
1973
Year built
Two
Levels
$310
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,485 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,485/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+6.7%
Days on market
107 vs 44 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Boca Ciega Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Seminole. See the full Seminole guide →
Boca Ciega Ridge — neighborhood snapshot
Population
1,014
Median age
44
Median income
$100,435
Median home value
$385,900
Avg household
3
Households w/ children
79%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Seminole market
$410K → $410K
Seminole median sold, yr/yr
96.0%
Sale-to-list ratio (12 mo)
Median sold price, Seminole, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 156% above the SEMINOLE 33772 median. See the full Seminole market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12465 MONARCH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12465 MONARCH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
12465 MONARCH CIRCLE FAQs
What would the monthly payment be for 12465 MONARCH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,485/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12465 MONARCH CIRCLE?+
The most recent tax bill on record (2025) was $1,937. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Seminole?+
At $499,900, this home is listed about 22% above the Seminole median of $410,950. The market section on this page shows how the area is trending.
Which schools are assigned to 12465 MONARCH CIRCLE?+
Richard O Jacobson Technical High School At Seminole (high), Bauder Elementary School (elementary), Seminole Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$499,900 runs 156% above the SEMINOLE 33772 median.
02Time on market is leverage
107 days on market against a Seminole median of 44 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Richard O Jacobson Technical High School At Seminole, Bauder Elementary School, Seminole Middle School — Richard O Jacobson Technical High School At Seminole rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $550,000, now $499,900 — a $50K cut. The full history is in the market section below.
Listing courtesy of FUTURE HOME REALTY INC · Janet Diamond Pa. MLS #TB8494755.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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