981 STEPHEN FOSTER DRIVE, LARGO, FL, 33771
Active31 days on marketListed Aug 20, 2026MLS #TB8539249
About this home
981 STEPHEN FOSTER DRIVE
Welcome home to this well-maintained true 3-bedroom, 2-bathroom home featuring a desirable split-bedroom floor plan and a wonderful combination of comfortable living spaces and recent updates. From the moment you arrive, you will appreciate the fresh EXTERIOR PAINT COMPLETED in 2026, NEW ROOF installed in 2025, and new garage door, providing peace of mind and excellent curb appeal. The oversized 2-car garage offers plenty of room for vehicles, storage, bikes, beach gear and more. Inside, the thoughtfully designed floor plan offers plenty of space for both everyday living and entertaining. The inviting living room provides a comfortable gathering space and flows naturally toward the separate dining area. The kitchen features an eat-in area, offering the perfect spot for casual meals, morning coffee or everyday dining. Just beyond the dining room is the spacious family room, where a beautiful wood-burning fireplace creates a warm and inviting focal point for relaxing evenings, entertaining guests or cozy nights at home. The split-bedroom layout provides privacy and flexibility, with the primary suite positioned separately from the additional bedrooms. The three true bedrooms offer versatility for family, guests, a home office or hobby space. Two full bathrooms add convenience for both residents and visitors. Additional features include an AIR CONDITIONER REPLACED IN 2024, VINYL FENCING, an oversized 2-car garage, and a layout that provides excellent separation between living and sleeping areas. The fenced yard offers added privacy and space for outdoor enjoyment. Location is another major highlight! Enjoy being just minutes from the beautiful Gulf beaches while also benefiting from the fact that FLOOD INSURANCE IS NOT REQUIRED. The home is conveniently located near many major thoroughfares, making commuting and exploring the surrounding area easy. Largo Central Park and Eagle Lake Park are both conveniently nearby, offering beautiful outdoor spaces for walking, recreation, community events and enjoying the Florida lifestyle. With a newer roof, newer air conditioning, fresh exterior paint, new garage door, vinyl fencing, oversized garage, desirable split-bedroom floor plan and a fantastic location close to the beaches and parks, this home offers an excellent opportunity to enjoy comfortable Florida living with many of the big-ticket updates already completed. Come see all this wonderful home has to offer!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,753
Sqft
0.19 ac
Lot size
2
Garage
1962
Year built
One
Levels
$271
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.
$3,293 /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
$3,293/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
+5.3%
$/sqft vs Largo actives
$271 vs $222
Days on market
31 vs 54 typical
Where $271/sqft sits among the 400 Largo actives
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 Suburban Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Suburban Estates — neighborhood snapshot
Population
550
Median age
50
Median income
$83,853
Median home value
$345,278
Avg household
2
Households w/ children
39%
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)
216 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 116% above the LARGO 33771 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 981 STEPHEN FOSTER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$430,000
3000 ROBERTA STREET · same community
3 bd · 2 ba · 1,846 sqft · $233/sqft · 38 DOM
Sold · Aug ’26$145,000
1001 STARKEY ROAD UNIT 395
2 bd · 2 ba · 1,749 sqft · $83/sqft · 100 DOM
Sold · Aug ’26$155,000
1001 STARKEY ROAD UNIT 663
3 bd · 2 ba · 1,776 sqft · $87/sqft · 102 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 981 STEPHEN FOSTER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 981 STEPHEN FOSTER DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
981 STEPHEN FOSTER DRIVE FAQs
What would the monthly payment be for 981 STEPHEN FOSTER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,293/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 981 STEPHEN FOSTER DRIVE?+
The most recent tax bill on record (2025) was $1,528. 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 981 STEPHEN FOSTER DRIVE?+
The listing reports pets: Yes. 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 $474,900, this home is listed about 64% above the Largo median of $290,000. The market section on this page shows how the area is trending.
Which schools are assigned to 981 STEPHEN FOSTER DRIVE?+
Belcher Elementary School (elementary), Largo High School (high), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Melody Hunter. MLS #TB8539249.
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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