220 ROYAL PALM CIRCLE, LARGO, FL, 33778
Active535 days on marketListed Feb 14, 2025MLS #TB8350080
About this home
220 ROYAL PALM CIRCLE
Palm Hill is one of the most dynamic 55+ communities in Pinellas County. Three pools, two hot tubs, shuffleboard, tennis golf and much more are available for your pleasure! This nicely updated home is a 2-bedroom, 2 bath split plan that will be sold fully furnished for the buyer’s convenience. A monthly maintenance fee of $595.00 includes water, sewer, garbage, lawn, cable and internet. Now that’s the way to maximize your budget! Interior Features: Once inside you will notice the attractive revisions that have been made to the home. The kitchen has newer bright white cabinets and a brand-new backsplash with tranquil blue tones. The kitchen is also equipped with a garbage disposal in 2020, dishwasher in 2020, refrigerator in 2019 and the stove and built-in microwave are also updated. The front of the home has a lovely dining area and is open to the 11x14 living room. The guest bedroom is also located in the front of the home which is a plus when family comes to visit. A hall guest bath has a newer vanity and lighting as well as a shower and tub. The entire back of the home is the primary bedroom with adjoining bath added in 2018. This area is open for easy maneuvering if a wheelchair is a necessity. This unique floor plan has had quite a transformation. The bedroom is now the bath with walk-in shower. The 11x15 bedroom is an add on and has been raised to the same level as the bath. Behind a slider is an open area which is now a large walk-in closet. The seller opened this space for an exit to the exterior. This is a one-of-a-kind floor plan and should be seen to appreciate. The flooring consists of laminate and ceramic tile. Exterior Features: The exterior of this home flaunts numerous high-ticket replacements and enhancements, ensuring peace of mind and minimal maintenance for years to come. Beginning with vinyl siding, roof over, relaxing screened porch, brand new A/C unit in 2026, back patio, shed with stackable washer and dryer, handicap ramp and a brand-new water softener and filter in 2020. The roof over on the back extension was installed in 2018. Plenty of valuable features adorn this home. The asking price for the home and share is $160,000. Call anytime to schedule a private showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
792
Sqft
0 ac
Lot size
1975
Year built
One
Levels
$202
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.
$1,910 /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
$1,910/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
+63.7%
$/sqft vs PALM HILL MOBILE HOME PARK UNREC
$202 vs $119
Days on market
535 vs 52 typical
Where $202/sqft sits among the 19 homes for sale in PALM HILL MOBILE HOME PARK UNREC
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 Palm Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Palm Hill — neighborhood snapshot
Population
1,485
Median age
61
Median income
$56,382
Median home value
$129,997
Avg household
2
Households w/ children
82%
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 → $326K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
12 of 19
PALM HILL MOBILE HOME PARK UNREC have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the LARGO 33778 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 220 ROYAL PALM CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$49,000
21 FRANGIPANI CIRCLE · same community
2 bd · 2 ba · 785 sqft · $62/sqft · 15 DOM
Sold · Jan ’26$71,500
610 QUEEN PALM STREET · same community
2 bd · 2 ba · 864 sqft · $83/sqft · 368 DOM
Sold · Feb ’26$87,500
664 SUGAR PALM STREET · same community
2 bd · 2 ba · 888 sqft · $99/sqft · 56 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 220 ROYAL PALM CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 ROYAL PALM CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
220 ROYAL PALM CIRCLE FAQs
What would the monthly payment be for 220 ROYAL PALM CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,910/mo — principal and interest, the actual property-tax bill, the $595/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 220 ROYAL PALM CIRCLE?+
The association fee works out to $595 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 220 ROYAL PALM CIRCLE?+
The most recent tax bill on record (2024) was $1,706. 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 220 ROYAL PALM CIRCLE?+
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 $160,000, this home is listed about 47% below the Largo median of $299,999. The market section on this page shows how the area is trending.
Which schools are assigned to 220 ROYAL PALM CIRCLE?+
Largo Middle School (middle), Largo High School (high), Southern Oak Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the LARGO 33778 market on paper
$160,000 is 9% below the LARGO 33778 median of $174,950, and at $202/sqft it sits under the Largo average of $255.
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 $595/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
535 days on market against a Largo median of 52 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Largo Middle School, Largo High School, Southern Oak Elementary School — Southern Oak Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SELECT REAL ESTATE OF PINELLAS · Patricia Long. MLS #TB8350080.
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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