CENTURY 21 Edge
$140,000$150,0002 bd1 ba980 sqft$143 /sqft$1,303 /mo all-in ↓

12760 INDIAN ROCKS ROAD UNIT 107, LARGO, FL, 33774

Active27 days on marketListed Aug 24, 2026MLS #TB8541151

Priced 33% below the LARGO 33774 medianReduced $10KCondominiumNEW ATLANTIS CLUB CONDO

About this home

12760 INDIAN ROCKS ROAD UNIT 107

End-unit privacy, no neighbors above, and a screened balcony accessible from both the living room and primary bedroom distinguishes this 2-bedroom condo in the waterfront New Atlantis Club, just over a mile from Indian Rocks Beach. Offering 980 square feet, the interior has a comfortable, straightforward layout with generous room sizes and an open connection between the kitchen, dining area, and living room. A tiled foyer leads to the main living space, where the kitchen wraps around a broad Corian breakfast bar with seating, a double-basin sink, and plenty of counter space. Light cabinetry, recessed lighting and stainless-steel appliances complete the kitchen, while the open pass-through keeps it visually connected to the dining area beyond. The adjacent dining space has room for a full table and is positioned naturally between the kitchen and living room. At more than 20 feet long, the living room easily accommodates substantial seating and media furniture without feeling crowded. Luxury vinyl flooring runs underfoot, while a wide bank of windows brings in natural light. A door at the far end opens to the screened balcony, creating an outdoor extension of the living space with room for seating and a leafy view framed by mature trees. The primary bedroom measures approximately 14'9" x 11'3" and continues the connection to the outdoors with sliding glass doors opening directly to the balcony. Neutral carpet, a ceiling fan, an additional window and a built-in closet with sliding doors complete the room. Bedroom 2 measures approximately 10'5" x 11'3" and includes neutral carpet, a ceiling fan, windows on two walls and its own built-in closet. They shared bath features light cabinetry, a dark countertop, a large mirror and a tub/shower with tile surround and handheld showerhead. Additional features include: fully renovated in (2020), double-pane windows & sliding doors, a water heater (2023), refrigerator (2020) and microwave (2022). New Atlantis Club adds an impressive list of amenities to its Intracoastal setting, including two heated pools, a hot tub, a fitness center, a clubhouse, tennis courts, shuffleboard, kayak storage and launch, BBQ areas, and shared laundry facilities. The clubhouse includes gathering space, billiards, ping-pong, a community kitchen, a library, and a computer area. Private gated access to John R. Bonner Nature Park adds another way to enjoy the surrounding waterfront landscape. Indian Rocks Beach is just over a mile away, with Gulf beaches, restaurants, shopping, parks and other local destinations all within easy reach.

Facts & features

The home at a glance

2

Bedrooms

1

Bathrooms

980

Sqft

0 ac

Lot size

1972

Year built

One

Levels

$143

Per sqft

Trees/Woods view

Inside

FlooringCarpet · Luxury Vinyl · Tile
AppliancesDishwasher · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Elevator · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Thermostat
LaundryCommon Area
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMembrane
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods
FacesSouth
ParkingNone
ExteriorIrrigation System · Outdoor Grill · Playground · Sidewalk · Sliding Doors · Tennis Court(s)

Community & fees

Taxes (2025)$3,083/yr
PetsNo
CommunityClubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Gated Community - No Guard · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,303 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$824
FHA mortgage insurance (est.)$62
Property tax — 2025 actual bill$257
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $4,900
Interest rate6.00%
Loan term

Estimated payment

$1,303/mo

Principal & interest$824
FHA mortgage insurance (est.)$62
Property taxes (actual bill)$257
Est. insurance$160

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.

List $140K
$134KedgeAI estimate $208,874 · range $190K$280K$291K

vs edgeAI estimate

−33%

$/sqft vs NEW ATLANTIS CLUB CONDO

$143 vs $134

Days on market

27 vs 54 typical

Where $143/sqft sits among the 7 homes for sale in NEW ATLANTIS CLUB CONDO

4
0 · this home
2
0
0
1
$123–140$140–157$157–174$174–192$192–209$209+

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

Downtown Tampa36 min
Tampa Int’l Airport (TPA)36 min

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

ElementaryAnona Elementary School★★★★
MiddleSeminole Middle School★★★★★
HighLargo High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Largo market

Seller’s marketLeans seller3.3 months of inventoryBuyer’s market

$340K$326K

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 33% below the LARGO 33774 median. See the full Largo market guide →

Paper trail

This home's history

CurrentPrice reduced to $140,000 $10K
Aug 24, 2026Listed at $150,000 · 27 days on market since
1972Built · NEW ATLANTIS CLUB CONDO

Reality check

What actually sold near 12760 INDIAN ROCKS ROAD UNIT 107

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12760 INDIAN ROCKS ROAD UNIT 578Sold · Jun ’26

$120,000

12760 INDIAN ROCKS ROAD UNIT 578 · same community

2 bd · 1 ba · 987 sqft · $122/sqft · 29 DOM

50 GULF BOULEVARD UNIT 108Sold · Aug ’26

$500,000

50 GULF BOULEVARD UNIT 108

2 bd · 2 ba · 1,008 sqft · $496/sqft · 74 DOM

50 GULF BOULEVARD UNIT 207Sold · Jul ’26

$475,000

50 GULF BOULEVARD UNIT 207

2 bd · 2 ba · 1,008 sqft · $471/sqft · 251 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.

Colleen Brown

Your agent

Colleen Brown

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 12760 INDIAN ROCKS ROAD UNIT 107 — start here.

Andrew Acosta

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 107 — before you fall in love.

See it in person

Schedule a tour

Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12760 INDIAN ROCKS ROAD UNIT 107 FAQs

What would the monthly payment be for 12760 INDIAN ROCKS ROAD UNIT 107?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,303/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 12760 INDIAN ROCKS ROAD UNIT 107?+

The most recent tax bill on record (2025) was $3,083. 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 107?+

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 $140,000, this home is listed about 52% below the Largo median of $290,000. The market section on this page shows how the area is trending.

Which schools are assigned to 12760 INDIAN ROCKS ROAD UNIT 107?+

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

Four things that matter here

01Under the LARGO 33774 market on paper

$140,000 is 33% below the LARGO 33774 median of $207,500, and at $143/sqft it sits under the Largo average of $252.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Anona Elementary School, Seminole Middle School, Largo High School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $150,000, now $140,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Jodi Avery. MLS #TB8541151.

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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12760 INDIAN ROCKS ROAD UNIT 107, LARGO, FL — 2 Bed, 1 Bath — $140,000 | CENTURY 21 Edge