13635 97th Terrace

Virtually Staged. Welcome to Urban Lake Estates neighborhood and this beautifully updated 3-bedroom, 2-bath home with a 2-car garage in highly regarded Seminole. Thoughtful renovations, major recent improvements and a location convenient to the beaches and the entire Tampa Bay area make this a home that's ready to enjoy.

One of the home's standout features is its versatile floor plan with separate living, dining and family rooms, providing plenty of space for everyday living, entertaining, working from home or simply spreading out. Hardwood-look plank tile flooring flows throughout the home, creating a warm, cohesive appearance that's also easy to maintain.

The renovated kitchen features granite countertops and a Carrara marble backsplash, along with newer appliances including a dishwasher installed in 2025 and microwave in 2026. Both bathrooms have also been beautifully renovated. The primary bath features a walk-in shower with marble tile, terrazzo shower floor and full-body shower system.

Major improvements provide additional peace of mind, including a NEW ROOF installed in July 2026, air-conditioning system and electrical panel in 2024. Impact-resistant windows protect most of the home, with hurricane shutters provided for the sliding glass doors and front door. Frontier Communications has also recently installed fiber service in the neighborhood.

Step outside to the screened lanai and fenced backyard, creating an inviting setting for enjoying Florida's year-round outdoor lifestyle. The fenced yard provides space and privacy for entertaining, gardening, pets or simply relaxing outdoors, while mature tropical fruit trees—including mango, avocado and starfruit—add a distinctive Florida touch.

The Seminole location puts so much of the Tampa Bay lifestyle within easy reach. Enjoy convenient access to Indian Rocks Beach, Clearwater Beach and the Gulf's beautiful sugar sand beaches, while Tampa and St. Petersburg are just a short drive away. Boating enthusiasts will appreciate having multiple boat ramps nearby.

Seminole is also known for its schools and outstanding community amenities. The nearby Seminole Recreation Center offers fitness facilities, basketball, pickleball and racquetball courts, athletic fields, a seasonal family pool, playground and recreational programs for children, adults and seniors.

SPECIAL BUYER INCENTIVE! Qualified buyers may save up to $217 per month, up to $2,604 during the first year with a special 0.50% first-year rate reduction through our preferred lender, NextMortgage.

With its three separate living and entertaining spaces, renovated kitchen and bathrooms, newer roof, HVAC and electrical panel, hurricane protection, screened outdoor living space and desirable Seminole location, this home offers a compelling combination of comfort, flexibility, convenience and Florida lifestyle. Make this your next home!