12760 INDIAN ROCKS ROAD UNIT 801, LARGO, FL, 33774
Active7 days on marketListed Oct 7, 2026MLS #O6446503
About this home
12760 INDIAN ROCKS ROAD UNIT 801
WELCOME TO A BEAUTIFULLY FULLY RENOVATED AND FURNISHED CONDO IN THE WATERFRONT NEW ATLANTIS CLUB COMMUNITY! This residence has been completely renovated from top to bottom, offering a fresh, modern interior and a truly move-in-ready opportunity. Step inside to a bright and inviting living space featuring updated finishes throughout, a beautifully renovated kitchen, remodeled bathroom, new flooring, fresh paint, updated fixtures, and carefully selected details that create a clean and contemporary feel. Enjoy the Florida waterfront lifestyle with convenient space for your kayak and direct access from the community grounds to the Intracoastal Waterway, making it easy to enjoy kayaking, paddleboarding, fishing, and days on the water. The waterfront setting in the back of the community provides beautiful views and access to the waterways leading toward the Gulf. New Atlantis Club offers resort-style amenities including heated swimming pools, hot tub, fitness center, clubhouse, grilling and picnic areas, and beautifully maintained common grounds. Conveniently located just minutes from Beach, local restaurants, shopping, parks, and everything the Gulf Coast has. Whether you are looking for a primary residence, seasonal Florida retreat, or low-maintenance coastal property, this fully renovated condo offers an excellent opportunity to enjoy the Florida lifestyle. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
980
Sqft
1972
Year built
One
Levels
$270
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 and the real association fee — not generic estimates.
$2,817 /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
$2,817/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
+35.4%
$/sqft vs NEW ATLANTIS CLUB CONDO
$270 vs $143
Days on market
7 vs 69 typical
Where $270/sqft sits among the 7 homes for sale in NEW ATLANTIS CLUB CONDO
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 Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33774 — neighborhood snapshot
Population
20,018
Median age
49.1
Median income
$76,769
Median home value
$315,200
Avg household
2.38
Households w/ children
1,963
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
5 of 7
NEW ATLANTIS CLUB CONDO have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12760 INDIAN ROCKS ROAD UNIT 801
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$120,000
12760 INDIAN ROCKS ROAD UNIT 578 · same community
2 bd · 1 ba · 987 sqft · $122/sqft · 29 DOM
Sold · Sep ’26$132,600
12760 INDIAN ROCKS ROAD UNIT 583 · same community
1 bd · 1 ba · 747 sqft · $178/sqft · 250 DOM
Sold · Aug ’26$500,000
50 GULF BOULEVARD UNIT 108
2 bd · 2 ba · 1,008 sqft · $496/sqft · 74 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12760 INDIAN ROCKS ROAD UNIT 801 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12760 INDIAN ROCKS ROAD UNIT 801 — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12760 INDIAN ROCKS ROAD UNIT 801 FAQs
What would the monthly payment be for 12760 INDIAN ROCKS ROAD UNIT 801?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,817/mo — principal and interest, the actual property-tax bill, the $738/mo association fee 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.
How much are the HOA fees at 12760 INDIAN ROCKS ROAD UNIT 801?+
The association fee works out to $738 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12760 INDIAN ROCKS ROAD UNIT 801?+
The most recent tax bill on record (2025) was $2,903. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12760 INDIAN ROCKS ROAD UNIT 801?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Largo?+
At $265,000, this home is listed about 6% below the Largo median of $281,050. The market section on this page shows how the area is trending.
Which schools are assigned to 12760 INDIAN ROCKS ROAD UNIT 801?+
Anona Elementary School (elementary), Seminole Middle School (middle), Largo High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$265,000 runs 26% above the LARGO 33774 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $738/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 7 days on market in a Largo market that averages 69 — if it fits, move quickly.
05Strong assigned schools
Anona Elementary School, Seminole Middle School, Largo High School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of VESTI LLC · Vitor Silva. MLS #O6446503.
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.
Never miss a listing
New Largo homes, in your inbox
Like 12760 INDIAN ROCKS ROAD UNIT 801 but not quite? A daily digest of every new listing in Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Cindy to ping you on any price or status change →